Citizens Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.citizensfcu.com

432-267-6373

701 E FM 700
Big Spring, TX 79720

Citizens Federal Credit Union is headquartered in Big Spring and is the 103^rd largest credit union in the state of Texas. It is also the 1,249^th largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 33 employees and 10,579 members at 5 locations. Citizens Federal Credit Union 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 the Texas counties of Borden, Dawson, Ector, Glasscock, Howard, Lubbock, Lynn, Martin, Midland, Mitchell, Nolan, or Taylor. Immediate family members of any membership-eligible individual also qualify for membership.
See current membership details

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	10170
Year Chartered	1955
Employees	33
Primary Regulator

Profit Margin
Return on Assets - YTD	1.52%
Return on Equity - YTD	13.92%
Annual Interest Income	$2.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$209.5MM$199MM
Loans	Q1 2025vs Q1 2024	$126.8MM$111.8MM
Deposits	Q1 2025vs Q1 2024	$185.9MM$180.8MM
Equity Capital	Q1 2025vs Q1 2024	$22.8MM$17.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$508K$713K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$360K$223K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Checking

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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 Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.25%^*	$0	$25k	Direct Deposit Checking
OTHER TIERS: 0.10% → $25k+

Locations

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
Branch Office	104 Pine St Ste 106	Abilene, TX 79601

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