City CU (TX)

Overview / Commentary
7474 Ferguson Rd
Dallas, TX 75228-6543

City CU (TX) is headquartered in Dallas and is the 51st largest credit union in the state of Texas. It is also the 625th largest credit union in the nation. It was established in 1942 and as of December of 2021, it had grown to 106 employees and 35,647 members at 7 locations. City CU (TX) has an A health rating.

Field of Membership Restrictions

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

Reviews (4)

Close To Home, Open Saturdays Til 1

Posted by: |

Went to local branch yesterday and put a little money to work in a 5 year cd. Lots of activity in the drive through. Seems like they a good local presence.

A little dated in their capabilities: no electronic transfers, which was ok with me because they're 15 minutes away.


DO NOT BANK WITH THIS CU!!!!!!! They are one of a very FEW INSTITUTUIONS in the USA which charge an early withdrawal penalty on your RMD's which are required by IRS be withdrawn annually. Also, by virtue of closing an account in the middle of the month, they withheld the entire amount of ACCRUED INTEREST which amounted to well over $400.00 in my case. BETTER READ THE FINE PRINT IN THE DISCLOSURE BEFORE DEPOSITING ANY MONEY!!!!! They will screw you if given a chance.


Awful Service!!!

I have not gotten any previous letters, phone calls, notifications on my online account or anything before getting a letter that they’re going to close my account. I tried to call to get things straightened out and they asked for a card number. I never received a card, I have a car loan through the bank. I will never go through this bank for a loan ever again. I would not recommend anyone to go through them. They also make it a living hell to make loan payments online.


I’ve had this bank for 8 years... they continue and continue to over draft my account even if there is enough money to cover all my transactions... they post a “funds held” charge of $30 then overdraft any of my future transactions.. their lucky number is 3 they always seem to overdraft me 3 charges... so they charged me $90 in over draft fees and my account is $93 negative..... how am I negative only $93 if I overdrafted 3 times... they over draft you before you are negative cause that money to come out of your account. Their math doesn’t make sense and they can’t seem to explain to me how it happened. Stay away far far away. I wrote a review on their fb page and they totally disabled the review section... I wonder why


Health Grade Components

NCUA #67669
Year Chartered1942
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.48%
Annual Interest Income$19.9MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$597.6MM$548.5MM
LoansQ4 2021vs Q4 2020$331.5MM$322.9MM
DepositsQ4 2021vs Q4 2020$528.5MM$485.6MM
Equity CapitalQ4 2021vs Q4 2020$58.7MM$53.7MM
Loan Loss AllowanceQ4 2021vs Q4 2020$5.3MM$5.2MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$2.9MM$6.2MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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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

0.25%$100-Holiday Helper Account
0.25%$100-IRA Savings
0.25%$100-Roth IRA Savings
0.20%$100-Share Savings
0.20%$500-Business Savings
0.20%$100-Association Savings

City CU (TX) Money Market Rates

0.45%*$100k*-Money Market Account
OTHER TIERS: 0.30% $2.5k - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k
0.45%*$100k*-Business Money Market
OTHER TIERS: 0.30% $2.5k - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k

City CU (TX) Checking Account Rates

0.10%$2.5k-Regular Checking
0.10%$2.5k-Business Interest Checking

City CU (TX) CD Rates

1.40%$500-60 Month CD
1.40%$500-Business 60 Month CD
1.25%$500-48 Month CD
1.25%$500-Business 48 Month CD
1.10%$500-36 Month CD
1.10%$500-Business 36 Month CD
0.95%$500-24 Month CD
0.95%$500-Business 24 Month CD
0.80%$500-12 Month CD
0.80%$500-Business 12 Month CD
0.60%$500-6 Month CD

City CU (TX) IRA Rates

1.40%$250-60 Month IRA
1.25%$250-48 Month IRA
1.10%$250-36 Month IRA
0.95%$250-24 Month IRA
0.80%$250-12 Month IRA

City CU (TX) Locations
Branch Office1625 N Highway 77Waxahachie, TX 75165
Branch Office406 N Grand Ave Suite 101Gainesville, TX 76240
Branch Office3015 Frankford RdDallas, TX 75287
Branch Office506 E Highway 67Duncanville, TX 75137
Branch Office7474 Ferguson RdDallas, TX 75228
Branch Office401 W Wilson AveSherman, TX 75090
Corporate Office2626 Howell St Ste 965Dallas, TX 75204

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