Citizens Credit Union Lubbock TX | Affordable Auto Loans & Business Banking

Introduction

Welcome to Citizens, your trusted partner in financial success located at 3007 50Th St, Lubbock, TX 79413. Since our establishment in 1955, we have been dedicated to serving our community with personalized banking solutions. With over 10,452 members and total assets reaching an impressive $219,209,321, we pride ourselves on being a reliable choice for individuals and families alike. At Citizens, we understand that financial needs vary from person to person. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards tailored just for you. Our commitment is reflected in our total deposits of $47,842,824 and a robust net worth of $23,693,276 indicators of our stability and dedication to member satisfaction. Our team of 34 employees, led by CEO Brandon Wooten and Board President Leslie Williams, is here to assist you every step of the way. Whether you are looking for advice on loans or need help managing your savings, our friendly staff is ready to provide guidance tailored to your unique situation. While members can visit us at our branch address for face-to-face service, official correspondence should be sent to the same location: 3007 50th St, Lubbock, TX 79413. We invite you to reach out to us at 432-686-1200 during our operating hours from 9:00 AM to 5:00 PM Monday through Friday. Join us today at Citizens and experience the difference of a community-focused credit union. Visit our website at citizensfcu.com for more information or apply for a loan directly here. Your financial journey starts with us!

Branch History & Mission

A Legacy of Community Support

Since our inception, Citizens has focused on meeting the needs of our members while fostering strong community ties. We pride ourselves on being more than just a credit union; we are an integral part of the Lubbock community. Our mission is simple yet profound: to empower individuals and families by offering accessible financial solutions that enhance their quality of life. Whether it's through personal banking services like checking and savings accounts or loans for vehicles and homes, we strive to make financial wellness attainable for everyone. As we celebrate our long-standing history, we also embrace modern advancements that benefit our members. Our branch features drive-thru banking for quick transactions and online services that allow members to manage their finances effortlessly from anywhere. We ensure all our facilities are ADA compliant so that everyone feels welcome.

Commitment to Innovation and Growth

With total assets exceeding $219 million, Citizens is well-equipped to support both individual aspirations and broader community initiatives. We understand the importance of evolving with technology; thus, we offer various digital banking options including mobile payments and online banking. These innovations help us serve you better while maintaining the personal touch that defines us. While members can visit us at 3007 50th St for all their banking needs, official correspondence should be sent to the same address. Our dedicated team is here during operating hours from 9:00 AM to 5:00 PM Monday through Friday to assist with any inquiries or services you may need.

Join Us!

As we look forward to continuing our legacy of service in Lubbock and beyond, we invite you to join the Citizens family. Experience firsthand how we can support your financial journey and contribute positively to your community. Together, let's build a brighter future! For more information or to become a member, please reach out at 432-686-1200 or visit us online at Citizens FCU.

Branch Location & Accessibility

Accessibility Features

At Citizens, we prioritize accessibility. Our branch is designed to welcome everyone, including those who require ADA-compliant features such as ramps and designated parking. You'll find ample parking available right outside our doors, making your visit as hassle-free as possible.

Get in Touch

If you have any questions or need assistance before visiting us, feel free to call us at 432-686-1200. We look forward to welcoming you into our branch and helping you achieve your financial goals! Come see how Citizens can make a difference in your banking experience today!

Operating Hours and Services

We are open from 9:00 AM to 5:00 PM, Monday through Friday. This schedule allows you plenty of time during the week to come in and discuss your banking needs with our friendly staff. Our team is ready to assist with a range of services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. For those who prefer quick transactions, we offer basic drive-thru banking for deposits, withdrawals, and simple transactions without leaving your vehicle.

Member Eligibility

Becoming a member of Citizens is like joining a warm, welcoming family that prioritizes your financial well-being. If you're looking to experience the benefits of being part of our community, you'll be pleased to know that membership is open to anyone who lives, works, or attends school in our local area. Our goal is to provide accessible financial services that empower you on your journey. To learn more about the specific eligibility requirements and ensure you're ready to join us, feel free to check out this link: http://www.citizensfcu.com/banking/savings/become-a-member . Once you confirm your eligibility, opening an account at Citizens is straightforward and hassle-free! You can begin your application process online or visit us at our branch located at 3007 50Th St Lubbock Tx 79413. Our friendly staff is here to assist you every step of the way. If you have any questions or need guidance, don't hesitate to give us a call at (432) 686-1200. We can't wait for you to start enjoying all the fantastic benefits that come with being a member of Citizens!

Business Banking & Commercial Services

Financing Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $72,470, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we provide essential merchant services that help streamline your operations. Imagine a bustling cafe; with our point-of-sale systems, managing transactions becomes a breeze. You can focus on serving customers while we handle the payments securely and efficiently. Visit us at 3007 50Th St Lubbock Tx 79413 or call us at (432) 686-1200 to learn more about how our business banking solutions can empower your enterprise today!

Comprehensive List Of Services

Business Banking Options

If you're a business owner, Citizens offers specialized banking solutions just for you. Our business banking services include merchant services that can help streamline your payment processes and business loans designed to fuel your growth. We know how important it is for businesses to have reliable financial support, so we aim to be your trusted partner in achieving success.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can manage your accounts from anywhere with just a few taps on your smartphone or clicks on your computer. Need to make a deposit or transfer money? It's all possible without stepping foot in the branch! Plus, our mobile payments feature makes transactions easier than ever before.

Drive-Thru Services

Sometimes you need quick service without leaving your car. Our basic drive-thru banking allows for simple transactions like deposits and withdrawals right from your vehicle. Whether you're in a rush or just prefer the convenience of drive-thru service, we've got you covered!

Get Started Today!

At Citizens, we take pride in supporting our members with exceptional service and valuable financial products tailored to their unique needs. If you're ready to explore any of these offerings or have questions about how we can assist you better, don't hesitate to contact us at 432-686-1200 or visit us at 3007 50Th St Lubbock Tx 79413 during our operating hours from 9:00 AM - 5:00 PM, Monday through Friday. Join our community today and experience the difference! For more details on becoming a member or opening an account, check out our website at citizensfcu.com.

Personal Banking Solutions

Our personal banking services are crafted to help you manage your daily finances effectively. From checking and savings accounts that make it easy to save for what matters most, to auto loans and vehicle financing options that help you get on the road, we strive to meet all your personal banking needs. If you're considering buying a home, our mortgage loans and refinancing services offer competitive rates and flexible terms, making homeownership within reach. For those moments when life throws unexpected expenses your way, our personal loans and debt consolidation options provide quick access to cash with manageable repayment plans. Plus, enjoy the perks of our credit cards that come with rewards because spending should feel rewarding.

Digital & Online Banking

Accessibility and Support

We aim to make your banking experience as straightforward as possible. Our 24/7 online banking services ensure you can manage your accounts whenever it suits you. Whether it's checking your balance or making payments with mobile payment features, everything is designed with ease of use in mind. At Citizens, we're committed to providing the tools you need to stay on top of your financial health. Join us today and experience how simple banking can be!

Key Features

Our services include person-to-person transfers, so sending money to friends or family is quick and hassle-free. Plus, if you're looking to go paperless, we offer e-statements that keep your financial records organized and secure without the clutter. Security is a top priority for us. With electronic signature authorization available, signing documents online is not only easy but also safe. You can trust that your information is protected as you conduct transactions from anywhere.

Financial Strength

Commitment to Growth

With a total of 16,243 share accounts, we show a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $170,298, further demonstrating our commitment to facilitating your financial journey. 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 3007 50Th St or call us at 432-686-1200 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our impressive net income of $2,497,222 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products tailored to meet our members' needs. We also take pride in having 34 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Member Benefits

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 is robust as well; with $2,596 in used auto loans and a total of $124,607,837 in loans and leases available for our members' various needs.

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 10.81% 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. We provide flexible terms and competitive rates that make financing your next vehicle easy and affordable.

Business Loans

For business owners looking for financial support, our outstanding commercial loans totaling $72,470 provide the capital needed to grow and expand your business. We understand how vital access to funding is for small businesses and are dedicated to supporting local entrepreneurs.

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we also provide credit lines totaling $33,227,218. These lines of credit can help you cover unexpected expenses or make larger purchases without the need for a traditional loan structure. We also offer unsecured credit card loans; however, currently there are no outstanding amounts for this type of loan. This means that while we focus on providing personal loans that help manage day-to-day finances effectively, there are no unsecured credit card loans available at this time.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we offer various mortgage products tailored to meet your needs. While we currently do not have any Junior Lien Family Property Loans available, we are committed to assisting you in exploring other home financing options.

Refinancing Options

If you're considering refinancing your current loan or exploring eligibility options for one of our products, don't hesitate to reach out. Our knowledgeable staff can guide you through the process and help you find the best solution tailored to your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Citizens in Lubbock, TX, we're dedicated to offering reliable loan products that suit your unique needs. Visit us today or explore more about our offerings online!

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers come exclusively from recognized financial institutions. This focus on verified sources enhances transparency for users seeking reliable options. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide users with unbiased results that reflect the best possible rates available in the market. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions. This feature helps individuals make informed decisions tailored to their specific needs. 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!" Such testimonials highlight the effectiveness of this platform in assisting borrowers in finding optimal loan solutions. 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.

Ensuring Accurate 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 ensures that users receive fair and transparent offers. By gathering information from legitimate financial institutions, LendMesh guarantees that all listed loans are credible and trustworthy.

CITIZENS FEDERAL CREDIT UNION