Citizens Federal Credit Union

Overview / Commentary
701 E FM 700
Big Spring, TX 79720

Citizens Federal Credit Union is headquartered in Big Spring and is the 101st largest credit union in the state of Texas. It is also the 1,254th largest credit union in the nation. It was established in 1955 and as of September of 2019, it had grown to 36 employees and 7,585 members at 4 locations. Citizens Federal Credit Union's savings rates are 35% higher than the national average, and it boasts 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.
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Reviews (1)

Quite Possibly The Worst Banking & Customer Service EVER!

Posted by: |

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.


Health Grade Components

NCUA #10170
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD7.26%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$154.5MM$141.5MM
LoansQ3 2019vs Q3 2018$38.8MM$28.0MM
DepositsQ3 2019vs Q3 2018$137.5MM$128.7MM
Equity CapitalQ3 2019vs Q3 2018$16.4MM$11.9MM
Loan Loss AllowanceQ3 2019vs Q3 2018$415.00K$398.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$145.00K$107.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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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

OTHER TIERS: 0.25% $10k - $25k | 0.35% $25k - $50k | 0.45% $50k - $100k | 0.50% $100k - $250k
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
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

0.25%$2.5k-Money Market

Citizens Federal Credit Union Checking Account Rates

2.25%*-$25kDirect Deposit Checking - Qualifying
OTHER TIERS: 0.25% $25k+

Citizens Federal Credit Union CD Rates

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 Office701 E FM 700Big Spring, TX 79720
Branch Office2110 W Wall StMidland, TX 79701
Branch Office2609 W Loop 250 NMidland, TX 79705-3110
Branch Office3007 50th StLubbock, TX 79413

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