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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

Founded in 1932, First Citizens Community Bank has $1 billion in assets along with deposits totaling $1 billion, ranking the institution as a medium-size bank. First Citizens Community Bank, whose headquarters are in Mansfield, Pennsylvania, lacks premium access to customer service, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. SmartAsset has rated First Citizens Community Bank 4.1 stars out of 5, indicating that it is a respectable bank that you should consider. First Citizens Community Bank provides customers with a mixture of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, First Citizens Community Bank's most basic checking account does not carry a monthly fee. Locating a bank with no-fee checking, in addition to a high savings APY is the best bet for returning the most income on your deposits while maintaining convenient 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

2.8
SmartAsset Average: 3.5

First Citizens Community Bank features a savings rate of 0.05%, which is poor in comparison to the average U.S. bank. Its one-year and five-year term lengths CDs earn at a rate of 0.30% and 1.86%, respectively, while its highest-yielding money market account earns at a rate of 0.20%. Given First Citizens Community Bank's below average savings rate, you should consider taking a look at other banks for 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

First Citizens Community Bank generally has extremely low fees compared to the national average. Its checking account has no monthly fee, rating it excellent for anyone looking for a hassle-free account. First Citizens Community Bank unfortunately doesn't refund out-of-network ATM charges, meaning you will have to search for a First Citizens Community Bank ATM or eat the cost of withdrawal.

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 bank locations in New York and Pennsylvania. With mobile and web apps, First Citizens Community Bank makes account access straightforward, even on the go. First Citizens Community Bank receives relatively high praise from users for its online presence. The First Citizens Community Bank mobile app has an overall rating of 4.2 out of 5 (out of 28 customer reviews on Apple and Android) compared to the national average of 3.8. You can access First Citizens Community Bank's mobile app to manage your funds by checking account balances, transferring funds as well as reaching support representatives. First Citizens Community Bank gets a superb consumer satisfaction score due to relatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

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 ranks as a medium-size bank and manages assets totaling $1 billion and deposits totaling $1 billion. Its Texas Ratio is 8.21%, denoting that First Citizens Community Bank is in fine financial shape and improbable to fail. 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 $1
Certificates of Deposit
  • 12 Month: 0.30% 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 Account 0.2% APY $10000

First Citizens Community Bank has 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 in comparison to the average U.S. bank.

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Find a First Citizens Community Bank Near Me

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

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