What are the current interest rates at Citizens Bank of Clovis?

Current rates for Citizens Bank of Clovis include: 12-Month CD: 2.90%, 24-Month CD: 2.53%, 36-Month CD: 2.63%, 48-Month CD: 2.53%, Savings: 1.01%

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Citizens Bank of Clovis Rates & Review October 2026

Q: How many branches does Citizens Bank of Clovis operate?

Citizens Bank of Clovis currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Bank of Clovis 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: October 15, 2026

Citizens Bank of Clovis's top rates as of October 15, 2026 are 2.90% APY on its 1 Year Certificate of Deposit, and 1.01% APY on savings, according to rates verified by MonitorBankRates. Other Citizens Bank of Clovis CD rates include 24-Month Certificate of Deposit at 2.79%, 6-Month Certificate of Deposit at 2.77%, and 30-Month Certificate of Deposit at 2.63%. MonitorBankRates evaluates the financial stability of Citizens Bank of Clovis with a 4.8 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.65%. Rates last updated and verified on 10/15/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

4.8

Exceptional Out of 5.0 Stars

Texas Ratio

8.65%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

The Citizens Bank of Clovis

421 Pile St
Clovis, NM 88101

https://www.cbcnm.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Citizens Bank of Clovis CD Rates

Product	Rate	APY	Term
1 Year Certificate of Deposit	2.90%	2.90%	1 Year
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit to open and minimum balance to obtain APY: $1,000.00 Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 2.90% APY · checked 3 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
24 Month Certificate of Deposit	2.75%	2.79%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit to open and minimum balance to obtain APY: $1,000.00 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 2.79% APY · checked 7 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
6 Month Certificate of Deposit	2.75%	2.77%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit to open and minimum balance to obtain APY: $1,000.00 Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 2.77% APY · checked 3 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
30 Month Certificate of Deposit	2.60%	2.63%	30 Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit to open and minimum balance to obtain APY: $1,000.00 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 7 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
36 Month Certificate of Deposit	2.60%	2.63%	36 Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit to open and minimum balance to obtain APY: $1,000.00 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 2.63% APY · checked 7 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
48 Month Certificate of Deposit	2.50%	2.53%	48 Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit to open and minimum balance to obtain APY: $1,000.00 Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 7 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
1 1/2 Year Certificate of Deposit	2.50%	2.53%	1 1/2 Year
Min Deposit $1,000 Min Balance $1,000 Details Compounded monthly; Minimum deposit to open and minimum balance to obtain APY: $1,000.00 Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 2.53% APY · checked 3 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
3 Month Certificate of Deposit	1.00%	1.01%	3 Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit to open and minimum balance to obtain APY: $1,000.00 Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 1.01% APY · checked 3 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
7-31 Day Certificate of Deposit	0.45%	0.45%	7-31 Day
Min Deposit $1,000 Min Balance $1,000 Details Minimum deposit to open and minimum balance to obtain APY: $1,000.00 Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 0.45% APY Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%

Citizens Bank of Clovis Savings Rates

Product	Rate	APY	View More
CBC Standard Savings Account	1.00%	1.01%
Min Deposit $150 Min Balance $150 Details Minimum deposit to open and minimum balance to obtain APY: $150.00 Last Updated 10/15/2026 Rate History No change since Sep 20, 2026 · 1.01% APY · checked 6 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%

Citizens Bank of Clovis Other Rates

Product	Rate	Points	APY/APR
IRA Account (Compounded Daily)	2.50%	-	2.53%
Min Deposit $50 Min Balance $50 Details Individual Retirement Account; Minimum deposit to open and minimum balance to obtain APY: $50.00 Last Updated 10/15/2026 Rate History No change since Sep 20, 2026 · 2.53% APY · checked 4 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
MMDA & IRA MMDA	1.75%	-	1.77%
Min Balance $2,500 Details Balance: $2,500 - $9,999; Daily Compounded Effective Rate Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 1.77% APY · checked 3 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
MMDA & IRA MMDA	1.75%	-	1.77%
Min Balance $10,000 Details Balance: $10,000 - $24,999; Daily Compounded Effective Rate Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 1.77% APY · checked 3 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
MMDA & IRA MMDA	1.75%	-	1.77%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Daily Compounded Effective Rate Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 1.77% APY · checked 3 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
MMDA & IRA MMDA	1.75%	-	1.77%
Min Balance $50,000 Details Balance: $50,000 - $74,999; Daily Compounded Effective Rate Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 1.77% APY · checked 3 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
MMDA & IRA MMDA	2.00%	-	2.02%
Min Balance $75,000 Details Balance: $75,000 - $99,999; Daily Compounded Effective Rate Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 2.02% APY · checked 3 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
MMDA & IRA MMDA	2.00%	-	2.02%
Min Balance $100,000 Details Balance: $100,000 - $250,000; Daily Compounded Effective Rate Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 2.02% APY · checked 3 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
MMDA & IRA MMDA	2.25%	-	2.28%
Min Balance $250,000 Details Balance: $250,000.00+; Daily Compounded Effective Rate Last Updated 10/15/2026 Rate History No change since Sep 14, 2026 · 2.28% APY · checked 4 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%
N.O.W. Account (Compounded Daily)	0.50%	-	0.50%
Min Deposit $500 Min Balance $500 Details Minimum deposit to open and minimum balance to obtain APY: $500.00 Last Updated 10/15/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 4 times Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 8.65%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Citizens Bank of Clovis’s Texas Ratio rose from 0.00% in Q3 2023 to 8.65% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 2.3 to 4.8 and its Health Grade from C to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$493M	8.65%	4.8	A
March 31, 2026	$503M	9.18%	4.9	A
December 31, 2025	$521M	9.19%	4.8	A
September 30, 2025	$499M	17.88%	4.6	B
June 30, 2025	$496M	20.60%	3.5	C
March 31, 2025	$501M	23.24%	3.2	C-
December 31, 2024	$517M	0.10%	3.7	B
September 30, 2024	$510M	0.49%	4.0	A-
June 30, 2024	$500M	0.00%	2.9	C+
March 31, 2024	$518M	0.00%	2.6	C
December 31, 2023	$500M	0.00%	3.0	C+
September 30, 2023	$478M	0.00%	2.3	C

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Bank of Clovis 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 Bank of Clovis 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 Bank of Clovis's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Citizens Bank of Clovis

Website https://www.cbcnm.bank

Address 421 Pile St, Clovis, NM 88101 · Curry

Bank Holding Company CBC INC

FDIC Certificate # 11491

Regulator FDIC

Established January 1, 1916

FDIC Insurance Date January 1, 1934

Domestic Offices 5

Total Branches 5

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.8 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

8.65%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.3788%

Return on Equity (ROE)

20.1300%

Non-Performing Loans Ratio (NPL)

0.02%

Total Assets

$493,107,000

Total Deposits

$439,935,000

Equity Capital

$33,693,000

Net Income

$3,486,000

Headquarters

Clovis

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Citizens Bank of Clovis earned the Verified Healthy badge

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Frequently Asked Questions About Citizens Bank of Clovis

How many branches does Citizens Bank of Clovis operate?

Citizens Bank of Clovis 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, Citizens Bank of Clovis 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 Bank of Clovis provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Bank of Clovis offer online and mobile banking?

Most modern institutions like Citizens Bank of Clovis 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.cbcnm.bank.