About

Citizens Federal Savings and Loan Association of Covington, KY has been a part of the community since 1886. We are one of the last mutual institutions remaining in Northern Kentucky.

You may ask- What does a mutual institution mean to me the customer?

As a mutual savings and loan each customer has a stake and ownership in our association. If you have any questions or concerns we handle them directly here we don’t have to address stockholders when daily decisions need to be made regarding your financial needs. We are looking out for your best interest and will always be here to safeguard your money and protect your financial interests.

We welcome the opportunity to serve your financial needs. Citizens Federal Savings and Loan offers competitive rates on deposit accounts and mortgage loans. Our courteous and knowledgeable staff will provide you with quality service for all your financial needs.

Our Staff Members

Our Board of Directors