Citizens

Headquarters

P.o. Box 425
Big Spring, TX 79721
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.66% →
1-Year CD 0.35% 0.67% →
2-Year CD 0.40% 0.75% →
5-Year CD 0.65% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Citizens is an NCUA insured institution located in Big Spring, TX. It was founded in 1955 and has approximately $165.21 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 10170
Date Established 1955
Assets $165.21 million
Loans $43.23 million
Deposits $146.33 million
Capital $17.07 million
 

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.

Deposit Rates - April 14, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.15% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.20% $10,000 $14,999 Learn More
24 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.25% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More
60 Mo CD
0.65% $100,000 $199,999 Learn More

Loan Rates - April 14, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CITIZENS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Beeline Loans, Inc.
NMLS ID: 1799947
2.787% 2.750% 0.50 $1,208 $1,021 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.763% 2.750% 0.13 $422 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to CITIZENS
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Citizens branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Citizens Locations


Financial Details

Citizens Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Citizens U.S. Average
4.48% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Citizens had $579,032 in non-current loans and $205,048 in owned assets. To cover these potential losses it had $17,073,229 in net worth and $441,708 in loans loss reserves. That gives it a Texas Ratio of 4.48%.

Net Worth
Citizens U.S. Average
10.33% 12.67%

Citizens FCU has a net worth of 10.33% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Citizens

Branches and Savings

What is Citizens?

A federal credit union, registered with the NCUA under certificate #10170.
Learn more about credit unions here.

Is Citizens FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Citizens is insured by the NCUA.

Who can join Citizens?

Please see Field of Membership information above for information on who is eligible to join.

What are Citizens's share account and share certificate rates?

Citizens's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Citizens?

Citizens has total capital of $17.07 million. Full information on Citizens's financial position is located above.

Who owns Citizens?

Credit Unions are owned by their members.

Where are Citizens branches located?

See branch locations nearby.

Are Citizens ATMs Open 24/7?

Do Citizens ATMs accept cash deposits?

Can Citizens customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Citizens have a mobile app?

Does Citizens have mobile deposit?

Does Citizens have quick pay?

How can Citizens transfer money to other banks or credit unions?

Does Citizens report to credit bureaus?

Does Citizens use Chexsystems?

Does Citizens use Equifax?

What is Citizens's toll free phone number?

What is Citizens's ACH Routing Number?

What is Citizens's SWIFT code?

Where can I find Citizens's wire transfer form?

What is the Citizens address for deposits?

What Products Does Citizens Offer

Does Citizens offer mortgages?

Compare mortgage rates here.

Does Citizens offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens offer auto and RV loans?

Compare auto loan rates here.

Does Citizens offer student loans or personal loans?

Compare personal loan rates here.

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