Citizens Federal Credit Union

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A short history of Citizens FCU

Since its inception in 1955 the Citizens Federal Credit Union has been serving its members in the Big Spring, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by James Weaver, the Citizens FCU has grown its membership to over 6,929 with assets of more than $127,886,215. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (432) 267-6373 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Big Spring, TX.

General Information For Citizens FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 10170
Address P.O. Box 425 
City Big Spring 
State Texas 
Zip-Code 79721
Phone Number (432) 267-6373
Fax Number (432) 268-6120
Email Address: none
CEO/President James Weaver
Members 6,929 
Full-Time Employees 34 
Part-Time Employees
Number of Branch Offices
Total Assets 127,886,215 

Compare Citizens Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Big Spring Education Employees CU BIG SPRING EDUCATION EMPLOYEES FCU 1110 S BENTON ST 79721 (432) 263-8393 No 0.87
Cosden CU COSDEN FCU 400 E MARCY DR 79720 (432) 264-2600 No 1.33
The Electric Utilities CU The Electric Utilities Credit Union 2002 Birdwell Ln 79720 (432) 263-3442 No 1.95

Citizens Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Citizens Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 3.24 3.24 10.00 N/A
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 173 119 489 N/A
Rank Among All Texas Credit Unions N/A 63 47 140 N/A

Citizens Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 2.25 0.25 0.25 0.50 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 14 95 105 263 227
Rank Among All Texas Credit Unions 4 34 22 88 59
Citizens Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 12.0001,0183,387,713
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.2402073,952,089
Used Vehicle Loans 3.2401,22216,649,989
Total 1st Mortgage Real Estate Loans/Lines of Credit 10.00017,837
Total Other Real Estate Loans/Lines of Credit 0.00000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 9.00033308,928
TOTAL LOANS & LEASES 2,48124,306,556

Citizens Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 17,83700
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 17,83700


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Citizens Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans No
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes