Become A Member
Why Choose Citizens Community Credit Union?
Citizens Community Credit Union has been serving its members since 1940. Our motto is “Everything we do, we do for you” and we mean it! Our profits are returned to our members in the form of more and better services and more favorable rates on savings and loans. Citizens has consistently been ranked in the top 10% of all financial institutions annually for safety and security by Bauer Financial, Inc., an independent rating company.
To become a member and use our services, complete a short membership card and deposit $25.00 in a savings account. Please stop in at any of our office locations to open your membership.
Why A Credit Union?
Like all credit unions, we are a not-for-profit, member-owned, financial cooperative, and use our cooperative model to provide our members/owners with better rates on loans and deposits, as well as lower fees and charges. All credit union earnings are reinvested back into our credit union and used to better serve our member/owners.
Credit unions differ from other banks in several ways:
|Credit Unions||Other Financial Institutions|
|Not-for-profit cooperatives||In business to make profit|
|Owned by members||Owned by outside stockholders|
|Volunteer board of directors||Paid board of directors|
These factors allow credit unions to offer lower loan rates, higher savings rates and fewer service fees.
Your Money is Safe.
The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions. The NCUA, like the FDIC, is backed with the full faith and credit of the U.S. Government, insures up to $250,000 of your account through Citizens Community Credit Union.
The NCUA insures member savings in federally insured credit unions, which account for approximately 98 percent of all credit unions. All federal credit unions and the vast majority of state-chartered credit unions are covered by NCUA insurance protection. Not one penny of insured savings has ever been lost by a member of a federally insured credit union.
Field of Membership
You may join Citizens Community Credit Union, if you live, work, or have a close relative who lives or works in one of the following counties in Iowa: Boone, Buena Vista, Calhoun, Carroll, Cerro Gordo, Cherokee, Clay, Crawford, Dickinson, Emmet, Franklin, Greene, Hamilton, Hancock, Hardin, Humboldt, Ida, Kossuth, Lyon, Monona, O’Brien, Osceola, Palo Alto, Plymouth, Pocahontas, Sac, Sioux, Story, Webster, Winnebago, Woodbury, Worth, Wright. To become a member and use our services, complete a short membership card and deposit $25.00 in a savings account. Please stop in at any of our office locations to open your membership.