Featured Savings Rates
Featured Accounts

Citizens Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.25%Reward CheckingDirect Deposit Checking
1.00%5-year CD60 Month Jumbo CD
0.30%1-year CD12 Month CD

Overview / Commentary
432-267-6373
701 E FM 700
Big Spring, TX 79720

Citizens Federal Credit Union is headquartered in Big Spring and is the 105th largest credit union in the state of Texas. It is also the 1,359th largest credit union in the nation. It was established in 1955 and as of March of 2017, it had grown to 32 employees and 7,035 members at 3 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 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

Reviews (1)

Quite Possibly The Worst Banking & Customer Service EVER!

Posted by: Wlbrown | Aug 12, 2015

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

Health Grade Components

Overall
NCUA #10170
Year Chartered1955
Employees32
Primary Regulator
Profit Margin
Return on Assets - YTD-0.16%
Return on Equity - YTD-1.62%
Annual Interest Income$883.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$131.7MM$126.0MM
LoansQ1 2017vs Q1 2016$22.6MM$27.6MM
DepositsQ1 2017vs Q1 2016$118.6MM$111.3MM
Equity CapitalQ1 2017vs Q1 2016$12.6MM$14.2MM
Loan Loss AllowanceQ1 2017vs Q1 2016$509.00K$475.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$298.00K$849.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$0
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$2,500-Money Market

Citizens Federal Credit Union Checking Account Rates

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

Citizens Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW 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
Locations


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