Citizens Federal Savings and Loan Association
LOCATIONS
1
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HEALTH RATING
B+
View health report
CURRENT TOP RATE
2.10% APY
60 Month CD
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Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.10% | 5-year CD | 60 Month CD 2.40% - Goldman Sachs Bank USA 5 Year CD |
| 0.60% | 1-year CD | 12 Month CD |
| 0.50% | Savings | Passbook Savings |
Overview / Commentary
Citizens Federal Savings and Loan Association is headquartered in Covington and is the 145th largest bank in the state of Kentucky. It is also the 5,444th largest bank in the nation. It was established in 1886 and as of June of 2017, it had grown to 5 employees at 1 location. Citizens Federal Savings and Loan Association's money market rates are 14% higher than the national average, and it has a B+ health rating.
Health
B+
Data as of Q2 2017
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Citizens Federal Savings and Loan Association has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 27841 |
| Year Established | 1886 |
| Employees | 5 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.61% |
| Return on Equity - YTD | 2.27% |
| Annual Interest Income | $711.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2017vs Q2 2016 | $38.8MM$37.2MM |
| Loans | Q2 2017vs Q2 2016 | $21.5MM$20.1MM |
| Deposits | Q2 2017vs Q2 2016 | $24.1MM$22.7MM |
| Equity Capital | Q2 2017vs Q2 2016 | $10.3MM$10.3MM |
| Loan Loss Allowance | Q2 2017vs Q2 2016 | $286.00K$286.00K |
| Unbacked Noncurrent Loans | Q2 2017vs Q2 2016 | $0$0 |
| Real Estate Owned | Q2 2017vs Q2 2016 | $0$0 |
Rates
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Citizens Federal Savings and Loan Association Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.50% | $500 | - | Passbook Savings |
Citizens Federal Savings and Loan Association Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.50% | $2,500 | - | MMDA |
Citizens Federal Savings and Loan Association Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.50% | $100 | - | Classic Plus Checking | |
| 0.50% | $10k | - | Choice Checking | |
| 0.50% | $100 | - | Freedom Checking |
Citizens Federal Savings and Loan Association CD Rates
Citizens Federal Savings and Loan Association IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.95% | $500 | - | 30 Month IRA |
Locations
| Citizens Federal Savings and Loan Association Locations | ||
|---|---|---|
| Citizens Federal Savings and Loan Association | 433 Madison Ave | Covington, KY 41011 |