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Who We Are

Citizens Community Federal is a federally chartered national bank based in Altoona, Wisconsin. With over $550 million in assets, Citizens Community Federal is a full-service financial institution providing deposit and loan products to our customers from multiple branch locations in Wisconsin, Minnesota, and Michigan.


The one constant with Citizens Community Federal is change. Originally established in 1938 as a credit union serving local co-op members, a number of changes have made Citizens Community Federal the bank it is today. In addition to our Bank's structural changes over the years, the changing economic environment, as well as financial services competition, have presented many challenges. Through rising and falling interest rates, new and expanded loan and depository products, traditional and in-store locations, and increasing regulatory and compliance demands, our Bank has met these challenges.

Since 2010, Citizens Community Federal has continued to expand with greater web-based technologies and a community-based focus. At Citizens Community Federal we are not afraid of change - we welcome it! Change has been a critical component of our development as a community bank and has helped us to become the viable financial institution we are today and will be for years to come.

Accounts & Services

Citizens Community Federal offers a wide range of accounts and services to meet your personal financial goals and needs. In short, we offer the freedom to simply bank.

We're committed to finding new and innovative ways to serve you better. Our Freedom Rewards Checking account pays you high interest on checking, plus gives you refunds on nationwide ATM fees. Link it to a Freedom Rewards Saver account and get your rewards and ATM fee refunds transferred instantly — for automatic savings. Online banking & bill pay lets you manage your accounts anywhere, around the clock. And now you can even do your banking from your smartphone by downloading our mobile banking app. Our StartFresh Checking account gives customers who don't qualify for traditional checking a chance to build their credit. Plus, we have several different checking, money market and savings accounts to accommodate balances of all sizes. And because local businesses are the backbone of our community, we offer various loans and lines of credit to best support them.

While other banks may claim the royal treatment, we deliver more than a promise — we deliver a personal commitment to helping you find solutions for all the important moments in your life, whether it's buying your first home or preparing for retirement.

Profitable Growth

In 2005, Citizens Community Federal acquired Community Plus Savings Bank, resulting in the expansion into the Michigan market. Beginning in 2008 and through 2009, Citizens Community Federal expanded its branch network to include 19 locations throughout Wisconsin and Minnesota.

Today, Citizens Community Federal is a stronger financial institution thanks to the efforts of our Board and team members to solidify our policies, procedures and controls. These efforts have allowed us to concentrate on profitable growth.

We firmly believe profitable growth is a critical component for assuring our customers that Citizens Community Federal will remain a strong and responsive financial institution. Going forward, we will continue to differentiate ourselves from our competitors through convenience, personalized customer service, and as always, the "Freedom to Simply Bank.™"