What are the current interest rates at Citizens Community Credit Union?

Current rates for Citizens Community Credit Union include: MMA: 1.00%

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Citizens Community Credit Union

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Citizens Community Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 3, 2026

Citizens Community Credit Union's money market rates are at 1.00%. Citizens Community Credit Union's Personal Loan Rates are at 10.90%. MonitorBankRates evaluates the financial stability of Citizens Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.59%. Rates last updated and verified on 09/03/2026.

Citizens Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Community Credit Union? Share your experience about Citizens Community Credit Union by leaving a review below, or read customer reviews before you decide to use Citizens Community Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.59%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Citizens Community Credit Union
Citizens Community Credit Union

2012 1st Ave S
Fort Dodge, IA 50501-6704

https://www.citizenscu.com

Citizens Community Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.05%	0.05%
Min Balance $0 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Kirby Kangaroo Club	0.05%	0.05%
Min Deposit $25 Min Balance $100 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Vacation Club	0.05%	0.05%
Min Balance $0 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Citizens Community Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	1.50%	1.50%
Min Balance $100,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Money Market Accounts	1.30%	1.30%
Min Balance $50,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Money Market Accounts	1.20%	1.20%
Min Balance $25,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Money Market Accounts	1.10%	1.10%
Min Balance $10,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Money Market Accounts	1.00%	1.00%
Min Balance $2,500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Citizens Community Credit Union Checking Rates

Product	Rate	APY	View More
REWARDchecking	-	4.01%
Min Balance $25,000 Details Qualifications Required: 10 debit or credit transactions posted; 1 direct deposit or automatic payment posted; Enrollment in eStatements; Qualifying balance up to $25,000.00; ATM surcharge refunds nationwide** Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Citizens Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Vehicle Loans	-	-	4.95%	Up to 24 months
Details As Low As Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Citizens Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans	10.90%	Up to 24 months
Details As low as Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Citizens Community Credit Union’s Texas Ratio stayed near 2.30% in Q2 2023 to 2.59% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$254M	2.59%	5.0	A+
December 31, 2025	$248M	2.29%	5.0	A+
September 30, 2025	$241M	2.47%	5.0	A+
June 30, 2025	$241M	2.75%	5.0	A+
March 31, 2025	$237M	2.60%	5.0	A+
December 31, 2024	$227M	3.10%	5.0	A+
September 30, 2024	$223M	3.71%	5.0	A+
June 30, 2024	$228M	4.01%	5.0	A+
March 31, 2024	$227M	3.09%	5.0	A+
December 31, 2023	$220M	3.64%	5.0	A+
September 30, 2023	$219M	3.31%	5.0	A+
June 30, 2023	$227M	2.30%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Citizens Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Citizens Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Citizens Community Credit Union

Website https://www.citizenscu.com

Address 2012 1st Ave S, Fort Dodge, IA 50501-6704

Phone 515-955-5524

Fax 515-955-8241

President Terry Allers

CEO Dan Scott

Full-Time Employees 51

Part-Time Employees 9

Branch Locations 8

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.59%

Return on Assets (ROA)

0.4344%

Return on Equity (ROE)

2.3181%

Non-Performing Loans Ratio (NPL)

0.77%

Total Assets

253,555,580

Total Amount of Shares and Deposits

203,363,198

Total Shares and Deposits < 1 Year

200,794,457

Total Shares and Deposits 1 3 Years

2,072,282

Total Shares and Deposits > 3 Years

496,457

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,666,880

Total Uninsured Shares and Deposits > $250K (F+J)

8,666,880

Total Insured Shares and Deposits > $250K (item 17 less item K)

194,696,318

Total Interest Expense (Sum of items 6 8)

685,296

Share Certificates

1,189

Number of Accounts for Share Drafts

9,258

IRA KEOGH Accounts

210

Number of Accounts for Regular Shares

16,569

All other shares

136

Money Market Shares

111

Net Income (unless the amount is already included in Undivided Earnings)

1,101,454

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

60,757,784

Total Liabilities

206,039,803

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Citizens Community Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Citizens Community Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Citizens Community Credit Union

Frequently Asked Questions About Citizens Community Credit Union

How many branches does Citizens Community Credit Union operate?

Citizens Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Citizens Community Credit Union?

Yes, to access services at Citizens Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Citizens Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Community Credit Union offer online and mobile banking?

Most modern institutions like Citizens Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.citizenscu.com.