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Citizens Community Federal National Association Review

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Citizens Community Federal National Association Savings
0.25% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Citizens Community Federal National Association Bank first started operating in 2001 with headquarters in Altoona, Wisconsin. Citizens Community Federal National Association owns $943 million in assets along with $747 million in deposits, classifying it as a medium-size bank. Citizens Community Federal National Association lacks premium access to customer service, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. Overall, Citizens Community Federal National Association is a respectable bank that gets the job done, with a rating of 4.1 stars out of 5 from our team. Citizens Community Federal National Association offers a complete suite of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, the bank's most basic checking account does not have a monthly maintenance charge. Using a bank with no-fee checking, in addition to a high interest rate savings account is your best bet for accruing the highest income on your deposits while maintaining convenient access to your money.

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

With a savings rate of 0.25%, Citizens Community Federal National Association ranks poorly in comparison to the average U.S. bank. Its CD rates are 0.85% and 2.00% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account has a rate of 0.40%. Given Citizens Community Federal National Association's poor savings rate, you should consider taking a look at other banks for savings accounts.

How Citizens Community Federal National Association's Savings Rates Compare

Citizens Community Federal National Association Savings 0.25 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

On average, Citizens Community Federal National Association charges customers extremely low fees compared to other U.S. banks. With no monthly fee, Citizens Community Federal National Association's checking account is perfect for people who want a hassle-free checking account. Citizens Community Federal National Association unfortunately does not refund out-of-network ATM fees, which means you'll need to search for 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 bank locations in Michigan, Minnesota and Wisconsin. With mobile and web apps, Citizens Community Federal National Association makes account access easy, even on the go. Citizens Community Federal National Association's online and mobile banking platforms receive moderate marks from users. Out of 90 customer reviews across both iOS and Android platforms, the Citizens Community Federal National Association mobile app rates a 3.5 out of 5 (compared to the national average of 3.8). You can use Citizens Community Federal National Association's mobile app to control your accounts by monitoring account balances, transferring money and reaching customer service. Citizens Community Federal National Association receives a superb consumer satisfaction score due to relatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-sponsored 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 currently a medium-size bank and has $943 million in assets and deposits totaling $747 million. Its Texas Ratio is 12.47%, indicating a tiny 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 0.25% 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 Accounts 0.4% APY 0.4% APY $10000 $15000

Citizens Community Federal National Association Bank has several deposit products like 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 locations in the U.S.

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