--- title: "Citizens Credit Union Rates & Who Can Join - Texas" description: "Citizens Credit Union is a credit union in Texas. Rate data is being verified. See who can join Citizens Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/citizens" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Citizens Credit Union Rates & Who Can Join - Texas No currently verified rates are available for this institution. We hide rates that fall outside the serving freshness window instead of presenting old figures as current. Citizens Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/citizens) , verified from [Citizens Credit Union's official website](https://www.citizensfcu.com/) Loading branch locator… ## About Citizens Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 10.7K Assets $205M Founded 1955 Locations reported 6 NCUA charter 10170 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Cosden** COSDEN FCU · BIG SPRING · TX · 79720-5714 About 3.0 miles away](https://rateapi.dev/credit-unions/texas/cosden) [**Complex Community** BIG SPRING · Big Spring · TX · 79720 About 3.3 miles away](https://rateapi.dev/credit-unions/texas/complex-community) [**Big Spring Education Employees** BIG SPRING EDUCATION EMPLOYEES FCU · BIG SPRING · TX · 79720 About 3.9 miles away](https://rateapi.dev/credit-unions/texas/big-spring-education-employees) [**Heritage Usa** Heritage USA Federal Credit Union · Midland · TX · 79706 About 26.1 miles away](https://rateapi.dev/credit-unions/texas/heritage-usa) [**MY Community** Big Spring St · Midland · TX · 79705 About 35.8 miles away](https://rateapi.dev/credit-unions/texas/my-community) [**MTCU** MTCU Big Spring Street Branch · Midland · TX · 79705-5313 About 35.9 miles away](https://rateapi.dev/credit-unions/texas/mtcu) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Citizens Credit Union Membership eligibility from Citizens Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Citizens Credit Union's website. Check the membership page below to confirm whether you qualify. - Location howard, lubbock, midland, taylor, borden, dawson, ector, glasscock, lynn, martin, mitchell, nolan — TX Verified from [Citizens Credit Union's membership page](https://www.citizensfcu.com/Banking/Savings#Become-a-Member) . Final membership determination is always made by the credit union. ## Membership rules for Citizens Credit Union Geography 12 counties · Family 2 74 published paths to membership, last verified August 27, 2026, quoted from Citizens Credit Union’s own published criteria. ### Geography 12 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Borden County, TX - Dawson County, TX - Ector County, TX - Glasscock County, TX - Howard County, TX - Lubbock County, TX - Lynn County, TX - Martin County, TX - Midland County, TX - Mitchell County, TX - Nolan County, TX - Taylor County, TX “NCUA call report 2026-03-31: TOM_CODE=66 (community charter); branch footprint: Howard County, TX; Lubbock County, TX; Midland County, TX; Taylor County, TX” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family members “as well as their immediate family members” > [source ↗](https://www.citizensfcu.com/Banking/Savings) - Family member (immediate family members) of a member - Family of someone eligible immediate family “The field of membership of Citizens Federal Credit Union is based on a common bond of people; this field of membership includes anyone that lives, works, worships, volunteers, or attends school in Borden, Dawson, Ector, Glasscock, Howard, Lubbock, Lynn, Martin, Midland, Mitchell, Nolan, and Taylor…” > [source ↗](https://www.citizensfcu.com/Banking/Savings#Become-a-Member) - Family member (immediate family) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Citizens Credit Union? Yes No ## Work at Citizens Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Citizens Credit Union ranks against Texas peers. - See which AI assistants fetched Citizens Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=citizens&state=texas&code=TX&name=Citizens%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Citizens Credit Union offer? Citizens Credit Union is a credit union in Texas. Rate data is currently being verified. ### How often are Citizens Credit Union rates updated? RateAPI verifies Citizens Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Citizens Credit Union's rate data? Rate data is collected directly from Citizens Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Citizens Credit Union? Citizens Credit Union publishes its membership criteria on its own website. RateAPI tracks 74 published membership paths covering 12 counties for Citizens Credit Union, each quoted from Citizens Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Citizens Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.citizensfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Citizens Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Citizens Credit Union curl "https://api.rateapi.dev/credit-unions/texas /citizens " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Citizens Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/citizens Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp