Citizens Community Credit Union Fort Dodge IA | Best Auto Loans & Business Banking

Introduction

Welcome to Citizens Community Credit Union, where your financial well-being is our top priority! Located at 115 S 29th St, Fort Dodge, IA 50501, we have proudly served our community since 1940. With over 14,131 members and assets totaling $222,911,807, we are committed to providing personalized services that meet the diverse needs of our members. At Citizens Community, you can expect a range of financial solutions tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, we offer a variety of products designed to help you achieve your financial goals. Our dedicated team of 61 employees, led by CEO Dan Scott and Board President Tim Doyle, works tirelessly to ensure that your experience with us is exceptional. Whether you're looking to open a new account or need assistance with loans our doors are always open! While members can visit us at the branch address mentioned above, official correspondence should be sent to the same location. Feel free to reach out via phone at (515) 955-7787 or explore our website at citizenscu.com for more information. Join us in building a brighter financial future today!

Branch History & Mission

Citizens Community Credit Union has proudly served the Fort Dodge community since it opened its doors in 1940. Established with a vision to provide accessible financial services and foster a sense of belonging, we have grown alongside our members, evolving to meet their needs over the decades. Today, we are more than just a financial institution; we are a cornerstone of support for our community. Located at 115 S 29th St, Fort Dodge, IA 50501, our branch is conveniently situated near local landmarks that enhance your visit. Whether you're here to discuss loans or open an account, you'll find that our welcoming environment makes banking a pleasant experience. While members can visit us at this address, official correspondence should be sent to 115 South 29th Street, Fort Dodge, IA 50501 if needed. With over 14,131 members and total assets reaching $222,911,807, Citizens Community Credit Union stands as a testament to the trust placed in us by our community. Our mission is simple yet profound: we aim to empower our members through exceptional financial services while actively supporting local initiatives and programs that enrich lives in Fort Dodge and beyond. We believe that when our members succeed, so does our community. As we continue to adapt to the changing landscape of banking, we remain committed to incorporating digital advancements that enhance your experience with us. From online banking options to mobile applications, we strive to ensure that managing your finances is easy and efficient. Additionally, we pride ourselves on maintaining compliance with ADA standards to make our services accessible for everyone. Our dedication extends beyond mere transactions; we engage in numerous partnerships and outreach efforts that help strengthen our community ties. Through various initiatives, we support local events and organizations that uplift the people of Fort Dodge. At Citizens Community Credit Union, we're not just about banking; we're about building relationships and fostering a sense of community. We invite you to join us and discover how we can help you achieve your financial goals while making a positive impact in your neighborhood. Stop by today or give us a call at 515-955-7787 let's start this journey together!

Branch Location & Accessibility

Accessibility Features

At Citizens Community, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring that everyone can navigate comfortably. Ample parking is available right outside, so you won't have to worry about finding a spot.

Contact Us

If you have any questions before your visit or would like to learn more about how we can serve you better, don't hesitate to give us a call at 515-955-7787. We look forward to welcoming you into Citizens Community Credit Union soon!

Operating Hours

We understand that life can get busy, which is why our lobby hours are designed with your convenience in mind. We're open Monday through Friday from 10 AM to 8 PM and on Saturdays from 9 AM to 5 PM. Need assistance on Sunday? We're available from 10 AM to 3 PM too!

Services Offered

When you visit us, you can take advantage of a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we're equipped to assist with all your banking needs. Our friendly staff is always ready to help answer questions about personal loans or credit cards with rewards. While our branch does not currently offer ATM services or drive-thru banking, our dedicated team is here to support you inside the branch. If you're looking for shared services, we want you to know that we focus on providing personalized care directly at our location.

Member Eligibility

Becoming a member of Citizens Community is like stepping into a welcoming community where your financial needs are understood and prioritized. To join us at our cozy location at 115 S 29Th St Fort Dodge Ia 50501, you simply need to meet a few friendly eligibility criteria. Whether you're a resident of Webster County, working in the area, or have family members who are already part of our credit union, we invite you to explore the benefits of membership. At Citizens Community, we pride ourselves on offering personalized services and competitive rates that can help you thrive financially. If you're curious about the specifics, please check out our detailed eligibility information at https://www.citizenscu.com/become-a-member/. When you're ready to start your journey with us, opening an account is quick and easy! You can find all the necessary details on how to get started at https://www.citizenscu.com/consumer-loans/. If you have any questions, don't hesitate to reach out by calling us at (515) 955-7787. We're here for you!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Imagine having the financial support to take your business to the next level. 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 Designed for You

Beyond loans, we offer merchant services that simplify transactions and enhance customer experience. Picture this: your customers can pay effortlessly with various methods, making their shopping experience smooth and enjoyable. This not only boosts customer satisfaction but also helps you manage sales efficiently. Located at 115 S 29Th St Fort Dodge Ia 50501 in Fort Dodge, IA, we invite you to explore how our business banking solutions can empower your enterprise. For inquiries, call us at (515) 955-7787 or visit our website at Citizens Community Credit Union. Let's build a brighter future for your business together!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs on-site, rest assured that our cash withdrawal services are designed to ensure you have easy access to your money when you need it most. We invite you to visit us at 115 S 29Th St Fort Dodge Ia 50501, located in beautiful Fort Dodge, IA, or give us a call at (515) 955-7787. Our friendly team is eager to assist you with any questions or concerns regarding our services. You can also explore more about what we offer by visiting our website at Citizens Community Credit Union. Take control of your finances today with Citizens Community where community matters!

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our Auto Loans & Vehicle Financing options can help make that dream a reality. We work with you to find competitive rates and terms that suit your budget, so you can drive away feeling confident in your choice.

Business Banking

For entrepreneurs and business owners, our Business Banking services include Merchant Services and Business Loans. We know how vital it is for businesses to have access to financing and payment solutions that can keep operations running smoothly.

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards! Enjoy perks while making everyday purchases. With rewards points that can be redeemed for travel, merchandise, or cash back, this card makes spending a little more rewarding.

Mortgage Loans & Refinancing

When it comes to homeownership, we offer comprehensive Mortgage Loans & Refinancing solutions. Whether you're buying your first home or refinancing an existing mortgage, our knowledgeable staff will guide you through the process, ensuring you understand each step along the way.

Personal Banking

For individuals seeking reliable banking options, we provide Personal Banking services that include checking and savings accounts tailored to fit your lifestyle. Imagine being able to easily access your funds through our user-friendly Online & Mobile Banking platforms. With features like e-statements and person-to-person payment options, managing your finances has never been more convenient.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services provide flexible solutions for those moments when you need extra cash or want to simplify your payments into one manageable loan. We're here to help relieve some of the financial stress.

Digital & Online Banking

At Citizens Community, 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 lifestyle. Whether you're at home or on the go, you can easily access your accounts and perform transactions with just a few clicks or taps. One of the key features available is our online banking platform, which you can explore further at https://www.citizenscu.com/. This service allows you to check your account balances, transfer funds, and pay bills anytime, day or night. With 24/7 online banking, you have complete control over your finances, right at your fingertips. For those who prefer mobile convenience, our mobile application is here to help. You can manage your accounts from your smartphone, making it easy to stay on top of your finances wherever you are. While we currently do not offer mobile payments, our app provides essential features for managing transactions and keeping track of spending. Need to send money to friends or family? Our person-to-person transfers make it simple and quick to send funds directly from your account to theirs. It's a great way to share expenses or send gifts without the hassle of cash. We also offer e-statements, allowing you to receive your bank statements electronically. This means no more waiting for paper statements in the mail just easy access whenever you need them! Plus, by opting for e-statements, you're helping the environment by reducing paper waste. While we don't currently support electronic signature authorization for documents, we prioritize security across all our platforms to keep your information safe. With these digital tools, managing your finances is not only easier but also more efficient. At Citizens Community, we're committed to providing services that enhance your banking experience while ensuring that everything is secure and user-friendly. Explore all that we offer today!

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. We are committed to ensuring that your financial needs are met with confidence and care. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 members' financial goals with $13,129 in used auto loans and a total of $164,908,691 in loans and leases. Our operational efficiency is reflected in our net income of $2,956,744, enabling 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 we have a robust member base represented by a total of 27,391 share accounts. This illustrates the trust our members place in us to manage their finances securely. 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 115 S 29Th St Fort Dodge Ia 50501 or call 515-955-7787 to learn more about how we can help you achieve your financial goals.

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. Whether you're considering a new or used car, we make financing easy and accessible.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $272,828 in loans helping members manage their finances effectively. These cards provide a convenient way to handle day-to-day purchases while building your credit score.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $51,121, make buying or refinancing simple. We provide personalized service to help you navigate your options and find the right fit for your budget.

Other Loan Products

In addition to auto and mortgage loans, we have various other lending solutions tailored for different needs. Our total credit lines amount to $32,950,000, giving you flexibility when managing larger expenses. For those interested in refinancing options or checking eligibility for any of our products, we encourage you to reach out. Our team is here to assist you every step of the way. For more information on how we can help you meet your financial objectives or if you're ready to apply for a loan today, please contact us at (515) 955-7787 or visit us at our branch located at 115 S 29Th St Fort Dodge IA 50501. 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's work together to secure the financing that fits your life!

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CITIZENS COMMUNITY CREDIT UNION - Fort Dodge, IA

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