Citizens Choice Credit Union Natchez MS | Affordable Auto Loans & Business Banking

Introduction

Welcome to Citizens Choice Federal Credit Union, where we prioritize your financial well-being and community growth! Located at 101 Saint Catherine St, Natchez, MS 39120, our credit union has been a trusted partner for members since 1966. With a total membership of 411 and assets totaling $947,979, we are committed to serving our community with personalized banking solutions. At Citizens Choice, we understand that each member has unique financial needs. Whether you're looking for auto loans, mortgage refinancing, or personal loans, our experienced team is here to help you navigate your options confidently. Our CEO, Patricia Smith, alongside Board President Charles Mock, leads our dedicated staff of 3 employees, ensuring that your experience with us is both friendly and professional. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 17879, Natchez, MS 39122. With total deposits amounting to $407,567 and net worth at $64,759, we take pride in maintaining strong financial health. We encourage you to reach out at 601-442-5888 if you have questions or need assistance. Join us today and experience the difference a community-focused credit union can make in your financial journey! Visit our website at citizenscfcu.org for more information on membership eligibility and services available.

Branch History & Mission

Welcome to Citizens Choice, a cornerstone of financial support in Natchez, MS. Established in 1966, our credit union has been dedicated to serving the community for over five decades. We began with a small group of individuals who shared a vision: to create a financial institution that prioritizes people over profits. Today, we proudly serve 411 members, offering personalized banking services and fostering a sense of belonging among our community. Our branch is conveniently located at 101 Saint Catherine St, Natchez, MS 39120. Surrounded by local landmarks, we are easily accessible for all your banking needs. While you can visit us at this location for face-to-face assistance, any official correspondence should be sent to our mailing address: PO Box 17879, Natchez, MS 39122. At Citizens Choice, our mission is straightforward yet powerful: we aim to provide quality financial services while supporting the growth and well-being of our members and the community. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we strive to empower you with the tools necessary to achieve your financial goals. As we have grown over the years, so too have our assets, which now total an impressive $947,979. This growth allows us to reinvest in our services and better serve you. Our commitment extends beyond just banking; we actively engage in community outreach programs that enhance the lives of those around us. We understand that convenience matters in today's fast-paced world. That's why we offer flexible operating hours: Monday and Wednesday from 1:30 p.m. to 5:00 p.m., and Tuesday and Thursday from 8:30 a.m. to 1:30 p.m. Although we do not currently offer ATM services or drive-thru banking, our team is always ready to assist you during lobby hours. Looking ahead, Citizens Choice is excited about embracing digital advancements that enhance member experience while ensuring compliance with ADA standards. We are committed to creating an inclusive environment where everyone feels welcome. Join us on this journey! Experience the benefits of being part of a credit union that truly cares about its members and their success. Visit us today or explore more about membership options at Citizens Choice. Together, let's build a brighter future for our community!

Branch Location & Accessibility

Accessibility Features

At Citizens Choice, we prioritize accessibility for all our members. Our branch is designed with ADA-compliant features, including ramps and spacious parking options. You can easily access our services without any hassle.

Call to Action

We invite you to come visit us at Citizens Choice! If you have any questions or need assistance before your visit, feel free to give us a call at 601-442-5888. Your financial wellness is our priority, and we look forward to welcoming you soon!

Operating Hours

We know that everyone's schedule is different, so we offer flexible operating hours to accommodate you. Our lobby hours are as follows: - Monday & Wednesday: 1:30 PM - 5:00 PM - Tuesday & Thursday: 8:30 AM - 1:30 PM Whether you prefer visiting us in the afternoon or during the morning hours, we're here to serve you.

Services Offered

At Citizens Choice, we provide a variety of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgages, we have something for everyone. If you're looking for business banking solutions or credit cards with rewards, we've got you covered as well! Although we do not currently offer ATM or drive-thru services, our team is ready and eager to assist you with all your banking inquiries directly at the branch.

Member Eligibility

At Citizens Choice, becoming a member means joining a community that cares about your financial well-being. If you're interested in membership, you'll be glad to know that eligibility is open to anyone who lives, works, or worships in the Natchez area. This welcoming approach ensures that more people can benefit from our personalized services and friendly support. To learn more about the specific criteria and how you can qualify, we encourage you to check out our detailed guidelines at https://www.citizenscfcu.org/membership.php. Opening an account with us is straightforward and designed to fit your needs. If you're ready to take the next step, feel free to give us a call at (601) 442-5888 for any questions or assistance during the process. We can't wait to welcome you to the Citizens Choice family at our location on 101 Saint Catherine St Natchez Ms 39120!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have not issued commercial loans to members or non-members, we are eager to foster future partnerships. Our aim is to provide accessible financing options that enable local businesses to thrive.

Merchant Services

In addition to loans, we offer merchant services designed to simplify payment processing for your business. Imagine having the ability to accept payments seamlessly whether it's in-store or online allowing you to focus on what truly matters: growing your business. Our services ensure that transactions are smooth and secure, empowering you to serve your customers better. We invite you to explore how Citizens Choice can support your business journey. Connect with us today at (601) 442-5888 for more information!

Comprehensive List Of Services

Business Solutions at Your Fingertips

If you own a business, we haven't forgotten about you! Our Business Banking services include merchant services and business loans designed to support your growth and success. From streamlining transactions to securing funds for expansion, we're invested in helping local businesses thrive.

Convenient Access Anytime

We recognize how important convenience is in today's fast-paced world. That's why we offer Online & Mobile Banking features that allow you to manage your accounts anytime and anywhere. Whether you're checking balances while on the go or transferring funds from home, banking with us is designed with your busy schedule in mind.

Financing Your Dreams

When it comes to making significant purchases, our Auto Loans & Vehicle Financing services stand out. Whether you're looking for a new car or refinancing your current loan, we provide competitive rates and personalized assistance to make the process as smooth as possible. Picture driving off in your new vehicle knowing you've made a wise financial choice. For those considering buying a home, our Mortgage Loans & Refinancing options offer flexible solutions tailored to your unique situation. We know that purchasing a home is one of the biggest decisions you'll ever make, and we're dedicated to guiding you through every stage of this important investment.

Get Started Today

No matter where you are in your financial journey, Citizens Choice Federal Credit Union is ready to assist you with all these services and more! If you have questions or need assistance, don't hesitate to call us at 601-442-5888. Visit us today at our branch in Natchez or explore more about what we offer on our website: Citizens Choice FCU. Let us partner with you for a brighter financial future!

Personal Banking Made Easy

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking options like checking and savings accounts designed to help you keep track of your money effortlessly. Imagine opening an account that fits perfectly with your lifestyle, allowing you to save for that dream vacation or simply manage daily expenses more effectively.

Support for Everyday Needs

Sometimes life throws unexpected expenses your way. With our Personal Loans & Debt Consolidation services, you can tackle those challenges head-on. Whether it's covering medical bills or consolidating existing debts into one manageable payment, we're here to help simplify your financial responsibilities. In addition, our Credit Cards with Rewards give you the chance to earn points on everyday purchases think about how those rewards could add up towards something special!

Digital & Online Banking

At Citizens Choice, we understand that managing your finances should be as convenient and secure as possible. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. Whether you're at home or on the go, you can access your account anytime, making banking easier than ever. While we currently do not have an online banking platform, our commitment to future innovations means we're always exploring ways to enhance your banking experience. Keep an eye on our website at https://www.citizenscfcu.org/ for updates on upcoming features like electronic signature authorization and e-statements, which will provide even more convenience in managing your finances. In today's fast-paced world, mobile payments and a dedicated mobile application can make transactions a breeze. Although these features are not available right now, we're looking towards the future to ensure you have access to the latest banking technology. Imagine being able to send money to friends instantly or manage all your accounts from a single app this is what we aim to offer! For those who need quick transfers, person-to-person payment options are also on our radar. We want you to feel confident knowing that your financial information is protected with top-notch security measures. At Citizens Choice, we prioritize accessibility and ease of use so you can focus on what matters most in life without worrying about banking hassles. Stay tuned for exciting updates and enhancements to our digital services that will help keep your finances organized and secure!

Financial Strength

At Citizens Choice, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, trust and reliability are paramount when it comes to managing your finances. That's why we're proud to share our financial strength with you. With a net worth of $64,759, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 683 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $0 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $175,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $30,457 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $10 in used auto loans and $407,162 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our performance insights reveal that while our net income currently stands at $0, we are committed to improving operational efficiency to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team. Total Share Accounts: 413, show a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Citizens Choice is your trusted partner. Visit us at 101 Saint Catherine St Natchez Ms 39120 or call 601-442-5888 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the most competitive rates in the market. We currently have $125,435 in used vehicle loans and $83,945 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team can guide you through the process smoothly.

Credit Lines and Unsecured Loans

For those looking for additional flexibility, we provide credit lines with a total amount available of $50,000. This can be useful for unexpected expenses or planned purchases. Additionally, while we currently do not offer unsecured credit card loans, our commitment is always to find the best solutions for our members' financial management.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and straightforward. Although we currently do not have any Junior Lien 1-4 Family Residential Property loans available, we encourage you to check back often as our offerings can change based on member demand.

Refinancing Options

If you're considering refinancing your existing loans, please reach out to us. We may have options that can lower your interest rates or adjust your payment terms to better fit your current financial situation. At Citizens Choice, we are dedicated to providing quality service and support throughout your borrowing journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams today!

Loan Aggregator

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means that every offer you see is fair and transparent, giving you confidence in your choices. The platform uses advanced technology to gather and present accurate loan information, so you can trust that you're comparing legitimate offers.

Key Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You won't have to worry about hidden fees or misleading terms. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every lender is treated equally, so you can focus on what matters most: getting the best deal. Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. You can compare different options instantly, saving you time and effort. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and reliable the platform is for finding competitive rates. Ready to take the next step? Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

CITIZENS CHOICE FEDERAL CREDIT UNION - Natchez, MS

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