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First Citizens Community Bank Review

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First Citizens Community Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Started in 1932, First Citizens Community Bank has $1 billion in assets and $1 billion in deposits, classifying the institution as a medium-size bank. First Citizens Community Bank, whose headquarters are in Mansfield, Pennsylvania, 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 in-person service, in addition to its online and mobile apps. Overall, First Citizens Community Bank is a respectable bank that gets the job done, with a rating of 4.1 stars out of 5 from the SmartAsset experts. First Citizens Community Bank has a complete suite of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. First Citizens Community Bank has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, First Citizens Community Bank's ordinary checking account does not have a monthly fee. Finding an institution with free checking as well as a high interest rate savings account is the best option for getting the most income from your deposits alongside easy 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

2.8
SmartAsset Average: 3.5

First Citizens Community Bank has a savings rate of 0.05%, which is poor compared to the national average. First Citizens Community Bank's CD rates are 0.35% and 1.86% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at an APY of 0.25%. Given its noncompetitive savings rate, you should think about looking elsewhere to open savings accounts.

How First Citizens Community Bank's Savings Rates Compare

First Citizens Community Bank Savings 0.05 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

On average, First Citizens Community Bank charges its customers extremely low fees in comparison to the average U.S. bank. With no monthly fee, First Citizens Community Bank is ideal for people who want a basic banking experience. First Citizens Community Bank unfortunately doesn't reimburse out-of-network ATM fees, meaning you will need to locate a First Citizens Community Bank ATM or eat 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

4.1
SmartAsset Average: 3.7

First Citizens Community Bank is a brick-and-mortar bank, with 28 total branches in New York and Pennsylvania. It also offers access to mobile and web apps for a straightforward mobile-banking experience. First Citizens Community Bank receives relatively high marks from customers for its mobile platform. Out of 28 customer reviews across iOS and Android platforms, the First Citizens Community Bank mobile app has an overall rating of 4.2 out of 5 (compared to the national average of 3.8). First Citizens Community Bank's mobile app allows you to control your funds by monitoring account balances, sending and receiving money as well as reaching support representatives. First Citizens Community Bank receives an exceptional consumer satisfaction rating due to comparatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 4.2/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

4.6
SmartAsset Average: 4.8

First Citizens Community Bank is a medium-size bank with assets totaling $1 billion as well as deposits totaling $1 billion. First Citizens Community Bank's Texas Ratio is 8.21%, suggesting a tiny likelihood of failure. Additionally, First Citizens Community Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

8.21%
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 First Citizens Community Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $200
Checking Account 0.05% APY $1000
Certificates of Deposit
  • 12 Month: 0.35% APY
  • 24 Month: 0.75% APY
  • 36 Month: 1.41% APY
  • 48 Month: 1.76% APY
  • 60 Month: 1.86% APY
$10000 for all terms
Money Market Accounts 0.25% APY 0.25% APY $10000 $15000

First Citizens Community Bank offers several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. First Citizens Community Bank does not have the best savings rate, which means you should think about other options 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. First Citizens Community Bank's CD rates are fair compared to other U.S. banks.

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Find a First Citizens Community Bank Near Me

First Citizens Community Bank has 28 branches in the U.S.

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