CITIZENS COMMUNITY CREDIT UNION

Welcome to Citizens Community Credit Union, your trusted financial partner since 1940! Located at 1310 18Th St Ste A, Spirit Lake, IA 51360, we proudly serve over 14,131 members with a commitment to providing personalized banking solutions that meet your unique needs. With a total asset base of $222,911,807 and robust services including personal banking, auto loans, mortgages, and business banking, we are dedicated to fostering financial growth within our community. At Citizens Community Credit Union, our mission goes beyond just numbers; it's about building lasting relationships. Our experienced team of 61 employees, led by CEO Dan Scott and Board President Tim Doyle, is here to assist you every step of the way. Whether you're looking to open a checking account or secure a loan for your next vehicle, our friendly staff is ready to provide guidance tailored specifically for you. While members can visit us at our branch location, official correspondence should be sent to the same address: 1310 18th St Ste A, Spirit Lake, IA 51360-1150. With total deposits amounting to $32,607,791 and cash in hand of $3,520,132, we ensure that your funds are in safe hands. We also pride ourselves on offering competitive loan options with a total of 15,943 loans and leases facilitated for our members. Explore our website at citizenscu.com to discover all the ways we can support your financial journey. Our drive-thru service makes banking convenient for you open Monday through Friday from 8:30 AM to 5:00 PM and Saturdays from 9:00 AM to 12:00 PM. Ready to take the next step? Call us today at 712-336-1095 or visit us in person. At Citizens Community Credit Union, we're more than just a credit union; we're part of your community!

Citizens Community Credit Union has a proud history that dates back to 1940. Established in Spirit Lake, Iowa, our branch has grown alongside the community, evolving from humble beginnings into a trusted financial partner for many. Our main office is located at 1310 18th St Ste A, Spirit Lake, IA 51360, where we've served over 14,000 members and managed total assets of approximately $222.9 million. As we celebrate our long-standing commitment to the community, we also recognize the importance of adapting to meet the needs of our members. Over the years, we have introduced various services such as personal banking, auto loans, mortgages, and business banking options. This evolution reflects our mission: to provide accessible and affordable financial services while supporting local initiatives that strengthen our community. Our mission is simple yet impactful: to empower members by providing them with the tools they need to achieve their financial goals. We believe in putting people first offering not just products but also guidance and support tailored to individual needs. Whether you're looking for a new checking account or need assistance with a mortgage loan, we are here to help every step of the way. While members can visit us at our Spirit Lake location for all their banking needs during our lobby hours from Monday through Friday (8:30 AM - 5:00 PM) and Saturday mornings (9:00 AM - 12:00 PM), official correspondence should be sent to our mailing address at 1310 18th St Ste A, Spirit Lake, IA 51360-1150. In addition to traditional banking services, we pride ourselves on embracing technology to enhance member experience. Our online banking platform allows members to manage their accounts conveniently from home or on-the-go. We also offer mobile application access for easy transactions and account management. Community involvement is at the heart of what we do. Through partnerships with local organizations and active participation in events, we strive to give back and make a difference in Spirit Lake. From sponsoring youth sports teams to supporting local charities, our commitment extends beyond banking; it's about building a stronger community together. We invite you to join Citizens Community Credit Union and experience the benefits of membership firsthand. With dedicated service from knowledgeable staff and a range of financial products designed just for you, let us help you take control of your financial future today! For more information or to become a member, please visit our website.

Welcome to Citizens Community Credit Union, your friendly financial partner located right in the heart of Spirit Lake, Iowa! You can find us at 1310 18th St Ste A, a convenient spot close to local favorites such as the beautiful Spirit Lake and nearby parks. Our branch is designed with accessibility in mind, making it easy for everyone to visit us. We offer ample parking and ADA-compliant features, including ramps for those who may need extra assistance. While you're here, feel free to take advantage of our drive-thru banking services, available Monday through Friday from 8:30 AM to 5:00 PM, and on Saturdays from 9:00 AM to 12:00 PM. Whether you need to deposit checks or withdraw cash, our drive-thru makes banking quick and convenient without having to leave your vehicle. For those who prefer visiting the lobby, we're open during the same hours ready to assist you with everything from personal banking needs like checking and savings accounts to auto loans and mortgages. We pride ourselves on providing a range of services tailored just for you. If you need to reach out to us before your visit, don't hesitate to call at 712-336-1095. Our friendly team is always eager to help! We encourage you to stop by and experience our welcoming environment firsthand. Remember, while members can visit us at our branch address, official correspondence should be sent to our mailing address at 1310 18th St Ste A, Spirit Lake, IA 51360-1150. We're excited to serve you at Citizens Community Credit Union!

Becoming a member of Citizens Community is like joining a close-knit family where your financial well-being is our top priority. If you're looking to enjoy a range of personal banking services, you'll find that membership is open to anyone who lives, works, or worships in our community. We're here to support you with tailored financial solutions that fit your needs, whether it's saving for the future or financing your dream car. To start your journey with us, simply visit our branch at 1310 18Th St Ste A Spirit Lake Ia 51360, give us a call at (712) 336-1095, or explore the details on how to join through this link: https://www.citizenscu.com/become-a-member/ . It's easy and inclusive so don't hesitate to reach out! You can also check out the account opening process here: https://www.citizenscu.com/consumer-loans/ . We look forward to welcoming you into the Citizens Community family!

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 proud to share our strong financial standing, which reflects our commitment to providing reliable services that meet your needs. 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 is supported by $13,129 in used auto loans and $164,908,691 in total loans and leases designed to help you achieve your financial goals. Our operational efficiency is highlighted by our impressive 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): $319,393. Total Share and Deposit Accounts: 27,391, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. 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 1310 18Th St Ste A Spirit Lake IA 51360 or call 712-336-1095 to learn more about how we can help you achieve your financial goals.

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