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

Introduction

Welcome to Citizens Community Credit Union, where we believe in putting our members first. Located at 106 S Mill St, Lake Mills, IA 50450, our credit union has been a trusted partner for financial growth since 1940. With over 14,131 members and total assets reaching $222,911,807, we are committed to providing personalized financial services that meet your needs. At Citizens Community, we pride ourselves on our community impact and dedication to our members. Our current total deposits amount to $32,607,791, ensuring that your savings are safe and sound. We also offer a wide range of loan options totaling 15,943 loans and leases to help you achieve your goals, whether you're purchasing a vehicle or consolidating debt. Our leadership team is here to guide you every step of the way. Led by CEO Dan Scott and Board President Tim Doyle, we strive to foster a welcoming environment where everyone feels valued. Our dedicated team of 61 employees is always ready to assist you with any questions or concerns. While members can visit us at our branch location, official correspondence should be sent to the same address: 106 S Mill St, Lake Mills, IA 50450. For more information about our services or to become a member, feel free to call us at 641-592-0900 or explore our website at citizenscu.com. Join us today and experience the difference of banking with a community-focused credit union!

Branch History & Mission

Community Focus

At Citizens Community, we believe that supporting our local community goes hand in hand with providing excellent financial services. We actively engage in outreach efforts and partnerships that enhance the well-being of Lake Mills and its residents. Our commitment extends beyond just banking; it's about building relationships and fostering growth within the community. As we embrace modern technology with online banking options and mobile applications, we ensure that all members can access their finances securely and conveniently. We also maintain high standards for accessibility to guarantee everyone can benefit from our services. While members can visit us at 106 S Mill St for all their banking needs, official correspondence should be sent to the same address for your convenience.

Join Us!

If you are looking for a credit union that prioritizes you and your financial future, look no further than Citizens Community Credit Union. With operating hours from Monday through Friday from 7 AM to 3:30 PM, we're here when you need us most. Come experience the difference of being part of a member-focused organization. Join us today by visiting our website or calling us at 641-592-0900. Together, let's build a brighter financial future!

Our Journey

From our humble beginnings, Citizens Community has consistently focused on providing personalized services to meet the needs of our diverse membership. We have grown alongside the community, adapting to changes while holding true to our core values of integrity, respect, and service. Today, we proudly manage total assets exceeding $222 million, reflecting both our stability and our dedication to serving our members effectively. Our mission is clear: to offer accessible financial services that empower individuals and families in achieving their goals. Whether it's through checking and savings accounts, auto loans, or credit cards with rewards, we strive to make banking straightforward and beneficial for everyone.

Branch Location & Accessibility

Welcome to Citizens Community Credit Union, your friendly financial partner located right in the heart of Lake Mills, Iowa. You can find us at 106 S Mill St, just a stone's throw away from popular local spots like the Lake Mills Community School and the picturesque Lake Mills Park. This prime location makes it easy for you to drop by and access our wide range of services. While members can visit us at 106 S Mill St, official correspondence should be sent to the same address. Our branch is designed with your convenience in mind, featuring accessible entryways that meet ADA standards to ensure everyone can visit us comfortably. Parking is readily available nearby, making it hassle-free for you to stop in. We pride ourselves on our welcoming atmosphere and dedicated service. Our lobby hours are designed to fit your busy schedule; we're open Monday, Tuesday, Thursday, and Friday from 7 AM to 3:30 PM. Whether you're looking to open a new account or need assistance with loans, our friendly staff is here to help every step of the way. Though we currently do not offer ATM or drive-thru banking services at this location, we are committed to providing excellent personal banking options including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. For any questions or to get more information about our services, feel free to give us a call at 641-592-0900. We invite you to visit Citizens Community Credit Union today and experience banking that puts you first!

Member Eligibility

At Citizens Community, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is easier than you might think! If you're living, working, or worshiping in the area, or if you have family members who are already members, you're likely eligible to join us. We welcome individuals from all walks of life, ensuring that everyone can access our fantastic range of services designed to help you achieve your financial goals. To get started, simply visit us at our branch located at 106 S Mill St Lake Mills Ia 50450 or give us a call at (641) 592-0900 for more information. You can also check out the detailed eligibility criteria on our website at https://www.citizenscu.com/become-a-member/. Once you're ready to open an account, we make that process simple and straightforward just head over to https://www.citizenscu.com/consumer-loans/ for all the details you need. Join us today and experience the benefits of being part of Citizens Community!

Business Banking & Commercial Services

Financing Your Growth

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 That Make a Difference

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, making it easier for your customers to pay. Whether it's in-store purchases or online sales, we provide reliable solutions that save you time and enhance customer satisfaction. Located at 106 S Mill St Lake Mills Ia 50450, Lake Mills, IA, we're ready to partner with you. Call us at (641) 592-0900 to discover how our services can help your business thrive!

Comprehensive List Of Services

Additional Services

While you're here, don't forget about the ease of accessing cash through our ATM & Cash Withdrawal Services. Even if we don't have an ATM on-site, we're connected with networks that make accessing your funds easy and straightforward. At Citizens Community, we are committed to making banking accessible and beneficial for everyone in our community. We invite you to visit us at 106 S Mill St Lake Mills Ia 50450, call us at (641) 592-0900, or explore more about our services online at our website. Let us partner with you in achieving your financial goals!

Business Banking

For our local entrepreneurs, we offer robust Business Banking solutions including Merchant Services & Business Loans. This means whether you're starting a new venture or expanding an existing one, we have resources to help your business thrive.

Convenient Digital Banking

In today's fast-paced world, convenience is key. Our comprehensive Online & Mobile Banking services allow you to manage your accounts anytime, anywhere. Whether it's checking balances, transferring funds, or paying bills, all of this can be done quickly and securely from the comfort of your home or on the go.

Credit Options

Who doesn't love rewards? Our Credit Cards with Rewards not only give you purchasing power but also allow you to earn points on everyday purchases. You can use these rewards for travel, shopping, or even cash back!

Personal Banking Solutions

Our Personal Banking offerings include essential tools like Checking & Savings Accounts that help you manage your money effectively. With these accounts, you can easily track your spending and save for future goals. If you're considering buying a new car or need funds for an unexpected expense, our Auto Loans & Vehicle Financing can provide the flexibility you need with competitive rates. Homeownership dreams can also become a reality with our Mortgage Loans & Refinancing options. We guide you through the process and ensure you find the best solution tailored to your situation. For those times when life throws a curveball, our Personal Loans & Debt Consolidation services can offer relief and a clear path forward.

Digital & Online Banking

Convenient Online Access

With our 24/7 online banking services, you can check your balances, pay bills, and transfer funds at any time. Simply visit https://www.citizenscu.com/ to get started. Our user-friendly interface makes it easy for everyone whether you're tech-savvy or just getting used to online banking.

Mobile Application for Banking on the Go

For those who prefer managing their finances through their smartphones, our mobile application is available for download. With this handy tool, you can access all your banking needs right in your pocket. Check balances, make payments, or even send money to friends with our person-to-person transfer feature all from the palm of your hand!

Secure and Simple Transactions

Your security is a top priority for us. While we currently do not support electronic signature authorization or mobile payments, rest assured that every transaction you make through our platform is safeguarded with robust security measures. You can bank confidently knowing that your information is protected. At Citizens Community, we're committed to providing you with easy-to-use tools that help you manage your money effectively. Experience the convenience of digital banking today!

Stay In Control with E-Statements

Say goodbye to paper clutter! We offer e-statements that let you view your account statements digitally. It's an eco-friendly option that also helps you keep track of your finances easily and securely.

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 strive to create an environment where your financial health can thrive, backed by strong numbers that demonstrate our commitment to you. 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% showcases 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. Our robust $32,557,908 in undivided earnings allows us to reinvest in innovative banking tools and stronger lending options to serve our members better. With $13,129 in used auto loans and $164,908,691 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our impressive net income of $2,956,744 reflects our operational efficiency, 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 team. With total share accounts reaching 27,391, we show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $319,393. Rest assured that at Citizens Community Credit Union in Lake Mills, IA (106 S Mill St), your financial wellbeing is at the heart of what we do. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Citizens Community is your trusted partner. Visit us at 106 S Mill St Lake Mills Ia 50450 or call (641) 592-0900 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. Whether you're purchasing a brand-new model or a reliable used car, our financing options are here to assist you every step of the way.

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 understand that buying a home is a significant investment and are here to help you navigate through it with ease.

Personal Financing Solutions

For those looking to manage everyday expenses or consolidate debt, we also offer flexible terms on unsecured credit card loans. With a total of $272,828 in unsecured credit card loans helping members manage their finances effectively, our credit solutions can provide just what you need for unexpected costs or planned purchases. Additionally, our total credit lines amount to $32,950,000, giving you access to funds when you need them most. At Citizens Community Credit Union, we believe that finding the right loan should be straightforward and stress-free. If you're curious about refinancing options or eligibility requirements for any of our products, feel free to reach out. You can call us at 641-592-0900 for personalized assistance or visit us at our branch located at 106 S Mill St Lake Mills IA 50450. For more information on becoming a member or applying for a loan today, please visit our website at Citizens Community Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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CITIZENS COMMUNITY CREDIT UNION - Lake Mills, IA

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