Citizens and Farmers Bank

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.cffc.com

804-843-2708

415 14Th St.
West Point, VA 23181

Citizens and Farmers Bank is headquartered in WEST POINT and is the 12^th largest bank in the state of Virginia. It is also the 480^th largest bank in the nation. It was established in 1927 and as of March of 2025, it had grown to 563 employees at 31 locations. Citizens and Farmers Bank's CD rates are 3X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	10363
Year Established	1927
Employees	563
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.94%
Return on Equity - YTD	9.28%
Annual Interest Income	$36.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$2.59B$2.45B
Loans	Q1 2025vs Q1 2024	$1.93B$1.8B
Deposits	Q1 2025vs Q1 2024	$2.23B$2.1B
Equity Capital	Q1 2025vs Q1 2024	$266.5MM$243.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$40MM$40.2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.3MM$1.6MM
Real Estate Owned	Q1 2025vs Q1 2024	$1.3MM$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Citizens and Farmers Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.85%	$1k	-	7 Month CD Special
3.85%	$1k	-	Business 7 Month CD Special
3.75%	$1k	-	13 Month CD Special
3.10%	$5k	-	12 Month Investor CD Special
3.10%	$5k	-	Business 12 Month Investor CD Special
3.00%	$1k	-	37 Month CD Special

Citizens and Farmers Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.75%	$1k	-	13 Month IRA Special
3.00%	$1k	-	37 Month IRA Special

Locations

Availability

Richmond Area

Richmond Area bank & credit union details

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