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City CU (TX)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
Bonus Amount
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.citycu.org
214-515-0100
7474 Ferguson Rd
Dallas, TX 75228-6543

City CU (TX) is headquartered in Dallas and is the 53rd largest credit union in the state of Texas. It is also the 645th largest credit union in the nation. It was established in 1942 and as of March of 2025, it had grown to 103 employees and 35,150 members at 5 locations. City CU (TX)'s CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

City CU offers membership to individuals who live, work, worship, or attend school in the Texas counties of Collin, Cooke, Dallas, Denton, Ellis, Grayson, Hunt, Johnson, Kaufman, Parker, Rockwall, Tarrant, or Wise. Employees and members of more than 180 Select Employer Groups also qualify for membership.
See current membership details

Reviews (2)

Do Not Trust These People

Posted by: |

The other negative reviews here are all true. I have experienced the same problems, and more.

This is NOT a trustworthy bank. They seem to always be looking for a reason to gouge the customer or find a "gotcha".

I could write paragraphs about all the stunts they've pulled, but it would be TLDR, and neither you nor I have the time.

BOTTOM LINE: I have two other banks, no problems. What does that tell you?

2

Not Trustworthy

Posted by: |

One minute this credit union tells you that you can open an account with them via email, then when you take the time to travel to the branch they then tell you that you are not eligible to open an account with them.

If I could give zero stars I would. Do yourself a huge favor and stay far far away from this credit union.

Also while in the branch, another customer came in to report fraud on their account so I don't know how secure their systems and apps really are.

2


Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #67669
Year Chartered1942
Employees103
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD3.02%
Annual Interest Income$7.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$643.9MM$680.5MM
LoansQ1 2025vs Q1 2024$357.4MM$383.8MM
DepositsQ1 2025vs Q1 2024$562.9MM$602.7MM
Equity CapitalQ1 2025vs Q1 2024$72.5MM$68.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$6.3MM$6.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$5.7MM$5.6MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
APY APY = Annual Percentage Yield Rates as of 6/21/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/21/2025
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
Bonus Amount
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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Always verify rates and promotions with the bank or credit union. We are not City CU (TX); 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.

City CU (TX) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Holiday Helper Account
0.20%$100-Share Savings
0.20%$500-Business Savings
0.20%$100-Association Savings

City CU (TX) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$100k*-Money Market Account
OTHER TIERS: 1.45% → $2.5k - $25k | 1.55% → $25k - $50k | 1.65% → $50k - $100k
1.75%*$100k*-Business Money Market
OTHER TIERS: 1.45% → $2.5k - $25k | 1.55% → $25k - $50k | 1.65% → $50k - $100k

City CU (TX) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2.5k-Regular Checking
0.10%$2.5k-Business Interest Checking

City CU (TX) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$1k-6 Month CD
4.00%$1k-12 Month CD
4.00%$1k-Business 12 Month CD
3.70%$1k-24 Month CD
3.70%$1k-Business 24 Month CD
3.65%$1k-36 Month CD
3.65%$1k-Business 36 Month CD
3.50%$1k-60 Month CD
3.50%$1k-Business 60 Month CD
3.45%$1k-48 Month CD
3.45%$1k-Business 48 Month CD

City CU (TX) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-12 Month IRA
3.70%$1k-24 Month IRA
3.65%$1k-36 Month IRA
3.50%$1k-60 Month IRA
3.45%$1k-48 Month IRA
0.50%$250-IRA Savings
0.50%$250-Roth IRA Savings
Locations


City CU (TX) Locations
Branch Office1625 N Highway 77Waxahachie, TX 75165
Branch Office406 N Grand Ave Suite 101Gainesville, TX 76240
Branch Office506 E Highway 67Duncanville, TX 75137
Branch Office7474 Ferguson RdDallas, TX 75228
Branch Office401 W Wilson AveSherman, TX 75090

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