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Citizens Community Federal National Association Review

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Citizens Community Federal National Association Savings
0.20% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Citizens Community Federal National Association Bank started in 2001 with its headquarters in Altoona, Wisconsin. Citizens Community Federal National Association handles $943 million in assets along with $747 million in deposits, ranking it as a medium-size bank. Citizens Community Federal National Association lacks premium access to support representatives, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. At a SmartAsset rating of 4.1 stars out of 5, Citizens Community Federal National Association should be solidly in contention for your choice of bank. Citizens Community Federal National Association has a full selection of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Citizens Community Federal National Association has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, the bank's standard checking does not have a monthly charge. Banks that offer free checking and a high savings APY are the best bet for getting the highest income from your deposits alongside easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

4.1/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.1
SmartAsset Average: 3.5

Citizens Community Federal National Association has a savings rate of 0.20%, which is fair compared to other U.S. banks. Its one-year and five-year term lengths CDs earn at a rate of 0.85% and 2.00%, respectively, while its highest-yielding money market account has an APY of 0.40%. Given Citizens Community Federal National Association's noncompetitive savings rate, you should think about choosing another bank to earn more on your deposits.

How Citizens Community Federal National Association's Savings Rates Compare

Citizens Community Federal National Association Savings 0.20 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

Citizens Community Federal National Association Bank generally has extremely low fees compared to other U.S. banks. Its checking account has no monthly fee, ranking it excellent for anyone looking for a simple account. Citizens Community Federal National Association does not refund out-of-network ATM charges, which means you'll have to locate a Citizens Community Federal National Association ATM or accept the ATM charge.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

3.7
SmartAsset Average: 3.7

Citizens Community Federal National Association Bank is a brick-and-mortar bank, with 21 total branches in Michigan, Minnesota and Wisconsin. It also offers access to mobile and web apps for an easy mobile-banking experience. Citizens Community Federal National Association's online and mobile banking services get moderate marks from customers. With 90 customer reviews across Apple and Android platforms, the Citizens Community Federal National Association mobile app is scored at 3.5 out of 5 (compared to the national average of 3.8). Citizens Community Federal National Association's mobile app lets you control your accounts by looking at account balances, transferring funds and accessing support representatives. Citizens Community Federal National Association receives a superb consumer satisfaction score based on relatively few consumer complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 3.5/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

4.4
SmartAsset Average: 4.8

Citizens Community Federal National Association is a medium-size bank owning assets totaling $943 million and $747 million in deposits. Citizens Community Federal National Association's Texas Ratio is 12.47%, denoting a small likelihood of failure. Additionally, Citizens Community Federal National Association is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

12.47%
High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Citizens Community Federal National Association to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.2% APY $1
Checking Account 0.1% APY $2500
Certificates of Deposit
  • 12 Month: 0.85% APY
  • 24 Month: 1.15% APY
  • 36 Month: 1.35% APY
  • 48 Month: 1.75% APY
  • 60 Month: 2.00% APY
$1000 for all terms
Money Market Account 0.4% APY $1

Citizens Community Federal National Association Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Citizens Community Federal National Association does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Citizens Community Federal National Association's CD rates are fair as compared against the national average.

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Find a Citizens Community Federal National Association Near Me

Citizens Community Federal National Association has 21 physical branches in the U.S.

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