Citizens Bank & Trust is an FDIC insured institution headquartered at
711 Gunter Ave, Guntersville, AL 35976.
It was founded in
2003 and has approximately $1 billion in assets. Customers can open an account at one of its 8 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.05% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.50% | $10,000 | Compare |
|
6 Mo CD
|
0.50% | $100,000 | Compare |
|
12 Mo CD
|
0.60% | $10,000 | Compare |
|
12 Mo CD
|
0.60% | $100,000 | Compare |
|
18 Mo CD
|
0.65% | $10,000 | Compare |
|
18 Mo CD
|
0.65% | $100,000 | Compare |
|
24 Mo CD
|
0.65% | $10,000 | Compare |
|
24 Mo CD
|
0.65% | $100,000 | Compare |
|
30 Mo CD
|
0.65% | $10,000 | Compare |
|
30 Mo CD
|
0.65% | $100,000 | Compare |
|
36 Mo CD
|
0.70% | $10,000 | Compare |
|
36 Mo CD
|
0.70% | $100,000 | Compare |
|
48 Mo CD
|
0.75% | $10,000 | Compare |
|
48 Mo CD
|
0.75% | $100,000 | Compare |
|
60 Mo CD
|
1.05% | $10,000 | Compare |
|
60 Mo CD
|
1.05% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.15% | $2,500 | Compare |
|
Money Market
|
0.15% | $10,000 | Compare |
|
Money Market
|
0.15% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.05% | $2,500 |
| #1 Non-bank HELOC in the US, A+ BBB Rating | $0 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Pentagon Federal Credit Union NMLS ID: 401822 |
0.000% |
$0
Fees & Points
$0 Total
0.000 Pts ($0) $0 Fees |
Reliant Home Funding, Inc. NMLS ID: 292473 |
5.993% |
$1,893
Fees & Points
$4,081 Total
0.652 Pts ($2,086) $1,995 Fees |
PenFed Credit Union NMLS ID: 401822 |
6.265% |
$1,945
Fees & Points
$4,795 Total
0.875 Pts ($2,800) $1,995 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 57483 |
| Date Established | 2003 |
| Assets | $ 1,088.72 million |
| Loans | $ 622.29 million |
| Deposits | $ 991.35 million |
| Capital | $ 73.26 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 79.43 million |
| Interest-bearing balances | $ 65.63 million |
| Total securities | $ 308.57 million |
| Federal funds sold and reverse repurchase | $ 4.39 million |
| Net loans and leases | $ 622.29 million |
| Loan loss allowance | $ 6.59 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 51.06 million |
| Total Assets | $ 1,015.46 million |
| LIABILITIES | |
| Total deposits | $ 991.35 million |
| Interest-bearing deposits | $ 792.42 million |
| Deposits held in domestic offices | $ 991.35 million |
| % insured (estimated)" | 69.84% |
| Federal funds purchased and repurchase agreements | $ 2.23 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 34.25 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 3.83 millionn |
| Total Liabilities | $ 1,015.46 million |
| Shareholders’ Equity | $ 73.26 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 48.85 million |
| Total Interest Expense | $ 21.29 million |
| Net interest income | $ 27.55 million |
| Provision for loan and lease losses | $ 0.14 million |
| Total non interest income | $ 5.67 million |
| Total non interest expense | $ 25.42 million |
| Pre-tax Net Operating Income | $ 4.92 million |
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