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Our Story

Big Spring Branch

Our history begins in 1955, when Webb Air Force Base Federal Credit Union (that was our name then) first opened its doors. Webb Air Force Base Federal Credit Union was chartered to serve the employees and the family members of Webb Air Force Base here in Big Spring, Texas. After the base closed, our charter was converted into a community credit union. It was at that time, in 1978, that we changed our name to Citizens Federal Credit Union.

Midland Branch

Today, 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 counties in Texas, as well as their immediate family members, business and other legal entities located therein. Citizens Federal Credit Union is not a bank. We’re a progressive, full-service financial institution. We provide quality service as a not-for-profit financial cooperative, owned and democratically controlled by its membership. That means we’re owned and run by our members to benefit our members. And we are guided by an all-volunteer Board of Directors and volunteer committees.

Wall Branch

Over the years we have grown from $110.00 in total assets to over $100 million, and many of the ways we do business have changed as well. However, we still believe that friendly, personal service to our members is our number one priority. Our focus is on developing a long-term relationship with you by offering you great service and great products. And according to the feedback we are getting from our members, we do an outstanding job in serving our members.

50th Lubbock

With a great staff, strong management team, and visionary board of directors we are able to insure our future by offering great loan programs, no annual fee credit cards, no minimum balance checking accounts, high yield certificates, $250,000 in deposit insurance, and much more. You see, at Citizens Federal Credit Union, we all are working hard to live up to our commitment of service. Only credit union members may use these services and share in the benefits of Citizens Federal Credit Union.

In 2018, Citizens FCU received approval from the National Credit Union Administration (NCUA) to expand the field of membership to add seven additional Texas counties to its field of membership.