Citizens Credit Union Big Spring TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Citizens, your trusted credit union located at 701 E Fm 700, Big Spring, TX 79720. Since our establishment in 1955, we have been dedicated to serving our community with a commitment that goes beyond just banking. With over 10,452 members and total assets amounting to an impressive $219,209,321, we are proud to be a reliable financial partner for individuals and families alike. At Citizens, we understand that every member has unique financial needs. That's why we offer a wide range of services including personal banking, auto loans, mortgages, business loans, and more. Our goal is to help you achieve your financial aspirations while ensuring that your experience with us is as seamless as possible. With total deposits reaching $47,842,824 and a net worth of $23,693,276, we are well-equipped to support your financial journey. Our leadership team, headed by CEO Brandon Wooten and Board President Leslie Williams, embodies the values of trust and integrity. Together with our dedicated staff of 34 employees, we strive to provide exceptional service to each member who walks through our doors or connects with us online. While members can visit us at our branch address for all their banking needs, please note that official correspondence should be sent to our mailing address: P.O. Box 425, Big Spring, TX 79721. Join us today and experience the Citizens difference! Whether you're looking to open an account or apply for a loan, we're here to help. Call us at 432-267-6373 or visit our website at citizensfcu.com for more information on how we can assist you in reaching your financial goals.

Branch History & Mission

Commitment to Innovation

As times change, so do we. Citizens offers modern conveniences like online banking and mobile payments for easy access to your finances whenever you need it. Our drive-thru service is available for quick transactions during the week and on Saturdays too. We also prioritize accessibility; our facilities are ADA compliant ensuring that everyone can comfortably utilize our services.

Join Us!

We invite you to become part of the Citizens family! Experience firsthand how we can support your financial journey while also contributing positively to the community around us. If you're interested in joining or learning more about what we offer, please don't hesitate to reach out at 432-267-6373 or visit us at Citizens FCU. Together, let's build a brighter future!

Our Mission

At Citizens, we believe that everyone deserves access to financial resources that empower them. Our mission is simple yet powerful: to provide quality financial services while supporting our community's growth and well-being. We strive to help individuals and families achieve their financial goals through a range of products including checking and savings accounts, auto loans, mortgage options, and personal loans. In addition to traditional banking services, we are dedicated to fostering community spirit through outreach initiatives and partnerships with local organizations. We understand that by uplifting our community members, we uplift ourselves as well.

Branch Location & Accessibility

Get In Touch!

Have questions or ready to visit? Don't hesitate to give us a call at 432-267-6373. Our dedicated team is eager to assist you! Come by Citizens in Big Spring today; we look forward to welcoming you into our community!

Operating Hours

At Citizens, we value your time. That's why we're open Monday through Friday from 9 AM to 5 PM and on Saturday from 10 AM to 1 PM. Our drive-thru service extends a bit longer on weekdays until 5:30 PM, allowing you to complete quick transactions without leaving your vehicle.

Parking & Accessibility

We understand how important accessibility is for our members. Our branch offers ample parking space right outside the entrance, making it easy for you to pop in and out. Plus, we've ensured that our facility meets ADA standards, with ramps and other features to assist those who may need them.

Services Offered

We take pride in offering a wide range of services designed for both personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, there's something for everyone. You can also enjoy convenient ATM access and basic drive-thru banking for quick deposits or withdrawals.

Member Eligibility

Becoming a member of Citizens is like joining a caring family where your financial needs are prioritized. If you live, work, worship, or attend school in the Big Spring area, you're already on the path to membership! We welcome individuals from all walks of life and believe that everyone deserves access to quality financial services. By joining us at our branch located at 701 E Fm 700 Big Spring Tx 79720, you open the door to a world of benefits including competitive loan rates, personalized service, and community support. Ready to take the next step? The process is simple and straightforward! You can find all the eligibility details on our website at http://www.citizensfcu.com/banking/savings/become-a-member . Should you have any questions or need assistance, feel free to give us a call at (432) 267-6373. We're excited to help you start your journey with us! To open an account, just visit http://www.citizensfcu.com/borrowing/apply-for-a-loan for more information. Welcome aboard!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to turn your ideas into reality. Our commercial loan options can make that happen. We've funded over $1 in commercial loans for our members, helping businesses like yours scale and succeed. Each loan is crafted with your unique needs in mind, ensuring you get the right support at the right time.

Merchant Services

In today's fast-paced world, efficient payment processing can set your business apart. Our merchant services simplify transactions so you can focus on what you do best running your business. Picture a customer walking out satisfied after a seamless checkout experience; that's the power of our reliable services. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - With an outstanding commercial loan portfolio of $72,470, we continue to drive economic growth by financing new and expanding businesses. Visit us at 701 E Fm 700, Big Spring, TX 79720, or call us at 432-267-6373 to learn more about how we can partner in your success!

Comprehensive List Of Services

Business Banking Support

For our entrepreneurial members, we offer business banking services including merchant services and business loans. We know how hard it is to run a business, so we aim to provide reliable support that allows you to focus on what matters growing your business.

Convenient Access Points

We also recognize the importance of convenience in today's fast-paced world. With our ATM services available for quick cash withdrawals and basic transactions through drive-thru banking, we're committed to making banking accessible when you need it most. At Citizens, we strive not just to meet but exceed your expectations by offering comprehensive financial solutions tailored just for you. If you're interested in becoming a member or learning more about any of our services, don't hesitate to reach out! Give us a call at (432) 267-6373 or visit us online at Big Spring. Let us help you achieve your financial goals today!

Home Loans Made Easy

Purchasing a home is one of the most significant decisions you'll ever make. Our mortgage loans and refinancing options provide you with choices that help make this process smoother. From first-time homebuyers to those looking to refinance their current mortgage, our team is ready to guide you through every detail.

Personal Banking Solutions

We understand that managing money can be challenging. That's why our personal banking services include checking and savings accounts designed to fit your lifestyle. With convenient online and mobile banking options, you can access your accounts anytime, anywhere. Imagine being able to check your balance or transfer funds while waiting in line at the grocery store it's that simple!

Personal Loans & Credit Cards

Need a little extra cash for unexpected expenses? Our personal loans and debt consolidation options can help ease financial burdens. Plus, our credit cards come with rewards that give back as you spend. Whether it's for travel, groceries, or everyday purchases, using our credit card can turn spending into savings.

Vehicle Financing

If you're thinking about buying a new car or refinancing an existing loan, our auto loans and vehicle financing solutions are here for you. We offer competitive rates and flexible terms that make it easier to get behind the wheel without breaking the bank. Picture driving off in your dream car with payments that fit comfortably within your budget.

Digital & Online Banking

Key Features

Security is a top priority for us. That's why we offer electronic signature authorization, allowing you to sign documents securely from the comfort of your home. Additionally, e-statements are available for those who prefer going paperless saving trees while keeping your financial information safe and organized. For those on the go, our mobile application brings banking right to your fingertips. With mobile payments, you can easily make purchases or send money through person-to-person transfers perfect for splitting bills with friends or sending a quick gift. You'll appreciate how accessible and straightforward managing your finances can be with our services. Whether you're checking balances, setting up payments, or transferring funds, our digital banking options provide real-time account management that fits into your busy lifestyle. Experience the ease and security of online banking with Citizens today!

Financial Strength

Commitment to Growth

With $21,196,054 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 across various sectors with $2,596 in used auto loans and $124,607,837 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts: 16,243, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $170,298. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Citizens is your trusted partner. Visit us at 701 E Fm 700 Big Spring Tx 79720 or call (432) 267-6373 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $2,497,222 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 34 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $38,083,274 in share certificates and $14,594,554 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.

Strong Financial Health

With a net worth of $23,693,276, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,081 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $73,190,038 in used vehicle loans and $47,519,879 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, our team is ready to assist you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $72,470 provide the capital needed to grow and expand your business.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we offer mortgage loans for Junior Lien 1-4 Family Residential Properties totaling $0, making it easier for you to find a loan that fits your needs.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for new ones, our knowledgeable staff can guide you through the various choices available. We strive to make sure you find the best solution tailored specifically for your circumstances. Our commitment goes beyond just offering loans; we aim to empower you with financial solutions that fit your lifestyle. For more information about our loan offerings or to get started with an application, please call us at 432-267-6373 or visit our website at Citizens FCU. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. While our total in this category stands at $0, it's important to know that we're here to support your financial management effectively when you're ready.

Loan Aggregator

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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 to accurate sourcing ensures that users receive fair and transparent offers. Each loan option presented is backed by verified data from legitimate financial institutions, eliminating concerns about misleading information.

CITIZENS FEDERAL CREDIT UNION - Big Spring, TX