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Citizens Federal Savings & Loan

 Welcome to Citizens Federal!  

      Checking Account Changes!

Effective October 1, 2016

Citizens Federal no longer requires a consumer customer to maintain a minimum balance in their NOW checking account. 

Which means
 a personally owned
checking account at
Citizens Federal
will not
charge a monthly service fee
regardless of the
balance in the account.

If you are interested in opening a personal checking account, please stop in our office and speak with one of our New Account Representatives.

Minimum balance required to open the account $20.00

Business checking accounts will continue to receive a monthly service charge.




ICBA and Citizens Federal Savings & Loan Offer Financial Tips to Help Prepare for a Natural Disaster  

In recognition of National Preparedness Month, the Independent Community Bankers of America® and Citizens Federal Savings & Loan would like to remind Americans about the importance of getting their financial affairs in order and offer tips to help them prepare before a natural disaster strikes.

"Having access to pertinent documents and emergency funds is critical in the days and weeks following a natural disaster," said ICBA Chairman Rebeca Romero Rainey, chairman and CEO of Centinel Bank of Taos, N.M. "Devising a strategy ahead of time can help alleviate victims from undue pressure during an incredibly stressful time. Doing so will also help minimize financial uncertainty, and limit the long-term impacts from damaged, destroyed or lost financial documents." 

ICBA and Citizens Federal Savings & Loan offer the following tips to help consumers prepare for a natural disaster:

  • Store important documents such as proof of identity, property ownership, insurance policies, bank and investment account information, and three years of tax returns in a bank safe-deposit box. Encase these items in plastic bags to prevent moisture.  
  • Prepare additional copies of critical documents such as birth certificates, adoption papers, marriage licenses and the deed to your home for safekeeping and inform a trustee, relative or attorney of their location.
  • Print out key contact information for executors, trustees and guardians and store it in a secure location, either in your safe-deposit box or with a close relative.
  • Inventory personal and household valuables (take photos, keep receipts) to help evaluate replacement costs.
  • Include surplus cash, preferably small bills, in your home emergency kit. The kit should also include a three-day supply of food and water, a first aid kit, can opener, radio, flashlights and batteries.
  • Create digital copies, which can serve as a supplement or backup to paper documents.  Scanned or electronic documents can be uploaded with secure online backup services.
  • Contact your insurance agent or visit the Federal Emergency Management Agency's website at www.fema.gov to determine if a flood insurance policy is right for you. 

"Your local community banker can also serve as a valuable resource in helping assess your financial preparedness in the event of a natural disaster," said Justin Dinovo, President of Citizens Federal Savings & Loan.  "Remember that your community bank is always with you-in good times and in bad." 

To find a community bank, visit www.banklocally.org

For more information and resources, including a copy of an Emergency Financial Preparedness Guide www.icba.org/files/PDFs/emergency_final.pdf  visit ICBA's Consumer Education and Resources webpage www.icba.org/consumer/index2.cfm

For additional information about Citizens Federal Savings & Loan, please continue to explore our website.

Small Enough To Know You
Large Enough To Serve You 

Since 1885



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