Citizens Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.25% | Reward Checking | 2.15% - National Average |
| 1.00% | 5-year CD | 3.10% - Barclays 60 Month Online CD |
| 0.30% | 1-year CD | 2.75% - Barclays 12 Month Online CD |
Citizens Federal Credit Union is headquartered in Big Spring and is the 102nd largest credit union in the state of Texas. It is also the 1,290th largest credit union in the nation. It was established in 1955 and as of December of 2018, it had grown to 35 employees and 7,305 members at 4 locations. Citizens Federal Credit Union's savings rates are 35% higher than the national average, and it has an A health rating.
Field of Membership Restrictions
Membership to Citizens Federal Credit Union is open to those who live, work, worship, volunteer, or attend school in Howard, Borden, Glasscock and Midland County, Texas as well as their immediate family members and business and other legal entities located therein.
See current membership details
Quite Possibly The Worst Banking & Customer Service EVER!
If the title doesn't speak for itself, then find out how much you like them. Their fees to start a outrageous, if you lose your debit card, make sure you have $15 to replace it. If you overdraft, expect a standard $35... At some banks you can call and they kindly remove overdrafts, at this bank. Not hardly! You have to pull teeth to get a charge removed, and they act as if they are doing some huge service to have it removed from your account. And their direct deposit is a joke. If your direct deposit goes in the night before your payday, you can expect to see the funds the day of your pay day. It may not seem an inconvenience to some, if my check is supposed to be in the bank at a certain time, I expect it there, but Citizens has someone that has to manually allow the deposits into the account.
I switched to citizens because I thought banking with a smaller bank would be nice, boy was I wrong!
The only reason they get any stars from me is because I'm required to give 1.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 10170 |
| Year Chartered | 1955 |
| Employees | 35 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.76% |
| Return on Equity - YTD | 8.13% |
| Annual Interest Income | $5.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $144.8MM$129.8MM |
| Loans | Q4 2018vs Q4 2017 | $31.0MM$24.3MM |
| Deposits | Q4 2018vs Q4 2017 | $130.6MM$116.8MM |
| Equity Capital | Q4 2018vs Q4 2017 | $13.4MM$12.7MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $353.00K$420.00K |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $265.00K$232.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not Citizens Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Citizens Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.70%* | $250k* | - | Investment | ||
| OTHER TIERS: 0.25% → $10k - $25k | 0.35% → $25k - $50k | 0.45% → $50k - $100k | 0.50% → $100k - $250k | |||||
| 0.60%* | $90k* | - | IRA | ||
| OTHER TIERS: 0.45% → $250 - $10k | 0.50% → $10k - $50k | 0.55% → $50k - $90k | |||||
| 0.60%* | $90k* | - | Roth IRA | ||
| OTHER TIERS: 0.45% → $250 - $10k | 0.50% → $10k - $50k | 0.55% → $50k - $90k | |||||
| 0.60%* | $90k* | - | HSA | ||
| OTHER TIERS: 0.45% → $250 - $10k | 0.50% → $10k - $50k | 0.55% → $50k - $90k | |||||
| 0.25%* | $5k* | - | Regular Shares | ||
| OTHER TIERS: 0.15% → $50 - $5k | |||||
Citizens Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.25% | $2.5k | - | Money Market |
Citizens Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.25%* | - | $25k | Direct Deposit Checking - Qualifying | ||
| OTHER TIERS: 0.25% → $25k+ | |||||
Citizens Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | $90k | - | 60 Month Jumbo CD | |
| 0.80% | $50k | - | 36 Month Mini-Jumbo CD | |
| 0.80% | $90k | - | 36 Month Jumbo CD | |
| 0.75% | $50k | - | 24 Month Mini-Jumbo CD | |
| 0.75% | $90k | - | 24 Month Jumbo CD | |
| 0.70% | $50k | - | 12 Month Mini-Jumbo CD | |
| 0.70% | $90k | - | 12 Month Jumbo CD | |
| 0.65% | $50k | - | 6 Month Mini-Jumbo CD | |
| 0.65% | $90k | - | 6 Month Jumbo CD | |
| 0.40% | $5k | - | 36 Month CD | |
| 0.35% | $5k | - | 24 Month CD | |
| 0.30% | $5k | - | 12 Month CD | |
| 0.25% | $5k | - | 6 Month CD |
| Citizens Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 701 E FM 700 | Big Spring, TX 79720 |
| Branch Office | 2110 W Wall St | Midland, TX 79701 |
| Branch Office | 2609 W Loop 250 N | Midland, TX 79705-3110 |
| Branch Office | 3007 50th St | Lubbock, TX 79413 |