Citizens Community Credit Union Algona IA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Citizens Community Credit Union, your trusted financial partner since 1940! Located at 403 E Call St, Algona, IA 50511, we proudly serve our community with a wide range of banking solutions tailored to meet your needs. With a total membership of over 14,000 and assets exceeding $222 million, we are dedicated to providing exceptional service and support to all our members. At Citizens Community, we understand the importance of personalized banking. Our team, led by CEO Dan Scott and Board President Tim Doyle, is committed to building strong relationships within the community. Whether you're looking for auto loans, mortgage options, or personal banking services, our knowledgeable staff is here to help you every step of the way. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to our mailing address: 403 East Call, Algona, IA 50511. With a robust portfolio that includes over 15,900 loans and total deposits amounting to $32,607,791, we strive to create an environment where your financial goals are within reach. Join us in making a positive impact in Algona and beyond. With a net worth of $42,367,114 and cash in hand totaling $3,520,132, we are well-positioned to provide reliable financial services that you can trust. Feel free to reach out at (515) 295-7121 or explore our website at citizenscu.com for more information on how we can assist you today!

Branch History & Mission

At Citizens Community Credit Union, we take pride in our rich history and unwavering mission to serve the Algona community. Founded in 1940, our branch has grown alongside the members we serve, adapting to their needs while remaining committed to providing exceptional financial services. With a strong base of over 14,000 members and total assets amounting to an impressive $222,911,807, we have become a trusted partner for individuals and families in Algona, IA. Located at 403 E Call St, right in the heart of Algona, our branch is easily accessible for all your banking needs. Whether you're visiting us for personal banking services or seeking assistance with loans and financing, our dedicated team is here to help. For any official correspondence that may be necessary, please send it to our mailing address at 403 East Call, Algona, IA 50511. Our mission goes beyond just offering financial products; we are deeply committed to supporting our local community. We strive to empower our members by providing them with the tools they need to achieve their financial goals. This includes a range of services such as checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our drive-thru service makes transactions easy and convenient for those on the go. As technology advances, so do we. Our digital offerings include online banking and mobile applications designed for ease of use and accessibility. While we currently do not have ATM services at this location, we ensure that our online platforms are secure and user-friendly so that you can manage your finances from anywhere. Community support is also close to our hearts. We engage in various outreach efforts that aim to uplift our neighborhood through partnerships with local organizations and initiatives. At Citizens Community Credit Union, we believe that when our community thrives, we all benefit. Our operating hours are Monday through Friday from 9 AM to 5 PM. Feel free to reach out to us at 515-295-7121 with any questions or concerns you may have regarding your banking needs. Join us at Citizens Community Credit Union today! Experience firsthand how we can help you achieve your financial dreams while being part of a community-focused organization dedicated to making a difference right here in Algona. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Access and Features

At Citizens Community, we prioritize your comfort and accessibility. Our branch features ample parking and is equipped with ADA-compliant facilities to ensure everyone can easily visit us. If you prefer a quick stop, take advantage of our drive-thru banking service for deposits, withdrawals, and other simple transactions all from the convenience of your car.

Get in Touch

We invite you to stop by or give us a call at 515-295-7121 for any questions or assistance. Join our community today and experience the difference that personalized service can make!

Operating Hours

We are here for you Monday through Friday from 9 AM to 5 PM. This schedule allows you to manage your banking needs at a time that suits your busy lifestyle. Although we don't have ATM services on-site, our friendly staff is ready to assist you with all your banking inquiries. While members can visit us at 403 E Call St, official correspondence should be sent to our mailing address at 403 East Call, Algona, IA 50511.

Services Offered

At Citizens Community Credit Union, we offer various personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Whether you're looking to save for a dream vacation or finance a new vehicle, our knowledgeable team is here to help guide you through every step of the process.

Member Eligibility

Welcome to the Citizens Community community! Becoming a member is not just about opening an account; it's about joining a supportive family that values your financial well-being. At Citizens Community, we welcome anyone who lives, works, worships, or attends school in our local area. This means if you're part of our vibrant community here in Algona, you're already on your way to enjoying the many benefits we offer. Our members enjoy personalized service and a range of financial products designed to meet their unique needs. Getting started is simple! You can find detailed eligibility criteria at https://www.citizenscu.com/become-a-member/, which outlines how easy it is to join us. Once you know you qualify, visit us at our branch located at 403 E Call St Algona Ia 50511 or give us a call at (515) 295-7121 for more information on how to open your account and take advantage of all the great services we provide. We're excited to have you with us!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, efficient payment processing can set you apart. Our merchant services simplify transactions, allowing you to focus on what matters growing your business. Imagine serving customers faster with reliable payment options that keep them coming back. With our tools, you can accept payments seamlessly whether in-store or online. Visit us at 403 E Call St Algona Ia 50511 in Algona, IA or call us at (515) 295-7121 to learn how our business banking and commercial services can elevate your company today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Although we do not have ATMs on-site, our drive-thru banking offers basic services such as deposits and withdrawals for quick transactions without leaving your vehicle.

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options make the process straightforward. We provide competitive rates so you can drive away in the vehicle you want without breaking the bank.

Business Banking

For entrepreneurs, we offer specialized services through our business banking solutions, including merchant services and business loans. We understand the unique challenges of running a business and are dedicated to helping you succeed.

Credit Cards with Rewards

Maximize your spending with our credit cards that offer rewards! From cashback on everyday purchases to travel perks, our credit cards add value back into your wallet while giving you flexibility in how you spend.

Drive-Thru Banking

For members who prefer a more personal touch but still want convenience, our basic drive-thru banking service allows for simple transactions without stepping inside the branch. At Citizens Community Credit Union, we believe in making banking accessible and straightforward for everyone in Algona, IA. Explore these services today by visiting us at 403 E Call St or calling us at 515-295-7121! Experience the difference that personalized service can make in your financial journey.

Mortgage Loans & Refinancing

Buying a home is a big decision, and we're here to help with our mortgage loans and refinancing options. Our friendly team guides you through the steps, ensuring you understand every detail along the way. Whether you're purchasing your first home or looking to refinance an existing mortgage, we have solutions for you.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your finances anytime, anywhere. With features like online bill pay and account management at your fingertips, banking has never been easier.

Personal Banking

We understand that managing your finances is personal. That's why we offer tailored solutions such as checking and savings accounts that fit your lifestyle. Whether you're saving for a special occasion or need everyday access to funds, our accounts come with features designed for ease and convenience.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. For those moments, our personal loans and debt consolidation services provide the financial relief you need. We work with you to find a plan that helps alleviate stress while keeping your budget in check.

Digital & Online Banking

Key Features

You can enjoy the convenience of E-Statements, allowing you to view and download your bank statements electronically. This not only helps reduce paper clutter but also allows for easy access whenever you need it. Plus, our Person-to-Person Transfers make sending money to friends or family quick and hassle-free perfect for splitting bills or sharing gifts! For those on the go, our Mobile Application provides an extra layer of convenience. Whether you're waiting in line or relaxing at home, you'll have instant access to your accounts right at your fingertips. While we currently don't offer mobile payments, rest assured our platform remains focused on providing secure and efficient banking experiences.

Security You Can Trust

Security is a top priority for us at Citizens Community. Our online services are built with advanced security features to protect your personal information. Although we don't support electronic signature authorization at this time, our commitment to keeping your data safe remains strong. Enjoy the ease of online banking with Citizens Community where managing your finances is simple, secure, and always accessible!

Financial Strength

At Citizens Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With our strong financial foundation, you can trust that your money is in safe hands. With a net worth of $42,367,114, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 19.01% 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 $23,665,310 in share certificates and $6,683,760 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $32,557,908 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $13,129 in used auto loans and a total of $164,908,691 in loans and leases available to help you achieve what matters most. Our impressive net income of $2,956,744 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 50 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments) stand at $319,393, while our total share accounts number 27,391, showing 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 Community is your trusted partner. Visit us at 403 E Call St Algona IA 50511 or call 515-295-7121 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 offer some of the lowest rates in the industry, with over $143,494,679 in used vehicle loans and $6,793,588 in new vehicle loans already helping members get on the road. We cater to all types of borrowers whether you're interested in financing a brand-new model or a reliable used vehicle.

Credit Lines

Our total credit lines amount to $32,950,000, allowing members the flexibility they need for unexpected expenses or planned purchases. This service ensures you can access funds quickly without going through lengthy approval processes each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $51,121, ensuring that your journey toward owning a home is as smooth as possible.

Refinancing Options

If you're considering refinancing your existing loans for better rates or terms, we can guide you through your options and help streamline the process. For more information about our loan offerings or eligibility requirements, please reach out at (515) 295-7121 or visit us online at Citizens Community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what your financial needs may be, Citizens Community is here to support you every step of the way!

Unsecured Credit Cards

Managing finances can sometimes be challenging. That's why we provide flexible terms on unsecured credit card loans. With a total of $272,828 in loans helping members effectively manage their finances, you can have peace of mind knowing you have access to funds when you need them most.

Loan Aggregator

Ensuring Accurate Loan 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 commitment ensures that users receive fair and transparent offers tailored to their needs. With LendMesh, you can trust that the information presented is reliable and accurate.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions about their borrowing options. 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 the effectiveness of the platform in helping consumers save money. 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 COMMUNITY CREDIT UNION - Algona, IA

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