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Citizens Savings Bank Spillville, IA

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Citizens Savings Bank Spillville, IA Rates & Review May 2026

Item: Citizens Savings Bank Spillville, IA
Rating: 4313
Author: lLJV

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 9, 2026

You can compare Citizens Savings Bank Spillville, IA rates to other rates in our database, including 12-month CD rates currently at 4.04%, 6-month CD rates at 3.83% and 3-month CD rates at 0.05%. Savings rates are at 0.60% and money market rates are at 0.02%. Mortgage rates on 30-year fixed loans are around 5.66%. All these rates can be compared to Citizens Savings Bank Spillville, IA rates. MonitorBankRates evaluates the financial stability of Citizens Savings Bank Spillville, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.88%. Rates were last updated on 05/09/2026.

Citizens Savings Bank Spillville, IA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Savings Bank Spillville, IA? Share your experience about Citizens Savings Bank Spillville, IA by leaving a review below, or read customer reviews before you decide to use Citizens Savings Bank Spillville, IA.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.88%

Excellent Lower than avg

Citizens Savings Bank Spillville, IA

101 Church St
Spillville, IA 52168

https://www.bankingwithcsb.com

Current Rate Availability

We do not have Citizens Savings Bank Spillville, IA rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Savings Bank Spillville, IA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens Savings Bank Spillville, IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens Savings Bank Spillville, IA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Savings Bank Spillville, IA

FDIC Certificate # 12128

Address 101 Church St, Spillville, IA 52168 · Winneshiek

Website https://www.bankingwithcsb.com

Established 01/01/1908

FDIC Insurance Date 01/01/1934

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.88%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5126%

Return on Equity (ROE) 5.8900%

Non-Performing Loans (NPL) 0.17%

Total Assets $144,778,000

Total Deposits $123,621,000

Equity Capital $15,427,000

Net Income $632,000

Headquarters Spillville

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

lLJV

★★★★★

December 17, 2025

MWCO

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About Citizens Savings Bank Spillville, IA

Is Citizens Savings Bank Spillville, IA a safe place to deposit money?

Yes, Citizens Savings Bank Spillville, IA is considered a safe financial institution. With a Texas Ratio of 2.8787878787879%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Citizens Savings Bank Spillville, IA operate?

Citizens Savings Bank Spillville, IA currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens Savings Bank Spillville, IA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Savings Bank Spillville, IA provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Savings Bank Spillville, IA offer online and mobile banking?

Most modern institutions like Citizens Savings Bank Spillville, IA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankingwithcsb.com.