☰

Home›
Banks›
The Citizens Bank Morehead, KY

iAdvertiser Disclosure

The Citizens Bank Morehead, KY Rates & Review August 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

The Citizens Bank Morehead, KY rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not The Citizens Bank Morehead, KY, and you can see how they compare in the The Citizens Bank Morehead, KY rate tables below. MonitorBankRates evaluates the financial stability of The Citizens Bank Morehead, KY with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.71%. Database rates last updated and verified on 08/30/2026.

The Citizens Bank Morehead, KY 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 The Citizens Bank Morehead, KY? Share your experience about The Citizens Bank Morehead, KY by leaving a review below, or read customer reviews before you decide to use The Citizens Bank Morehead, KY.

Verified Strong Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.71%

Excellent Lower than avg

The Citizens Bank

114 W Main St
Morehead, KY 40351

https://www.tcbanytime.com

Current Rate Availability

We're not currently displaying rates for The Citizens Bank Morehead, KY, but our database is updated constantly — check back soon for the latest offers.

Are you with The Citizens Bank Morehead, KY? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for The Citizens Bank Morehead, KY 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 The Citizens Bank Morehead, KY 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 The Citizens Bank Morehead, KY's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The Citizens Bank Morehead, KY

Bank Holding Company CITIZENS BCORP MOREHEAD INC

Address 114 W Main St, Morehead, KY 40351 · Rowan

Website https://www.tcbanytime.com

FDIC Certificate # 10520

Established 09/28/1928

FDIC Insurance Date 01/01/1934

Domestic Offices 5

Total Branches 5

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

2.71%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1571%

Return on Equity (ROE) 20.3600%

Non-Performing Loans (NPL) 0.13%

Total Assets $231,958,000

Total Deposits $176,530,000

Equity Capital $18,059,000

Net Income $4,435,000

Headquarters Morehead

Total Branches and Offices 5

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

The Citizens Bank Morehead, KY earned the Verified Strong badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/banks/the-citizens-bank-morehead-ky-rates-review-10520">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-b-2026.svg"
       alt="MonitorBankRates Verified Strong Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for The Citizens Bank Morehead, KY yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for The Citizens Bank Morehead, KY

Frequently Asked Questions About The Citizens Bank Morehead, KY

How many branches does The Citizens Bank Morehead, KY operate?

The Citizens Bank Morehead, KY currently maintains approximately 5 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, The Citizens Bank Morehead, KY 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, The Citizens Bank Morehead, KY provides members with tools to manage their accounts and build a solid financial history.

Does The Citizens Bank Morehead, KY offer online and mobile banking?

Most modern institutions like The Citizens Bank Morehead, KY 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.tcbanytime.com.