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iAdvertiser Disclosure
Advertiser Disclosure
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 Centex Citizens Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
Centex Citizens Credit Union's 9-Month Share/IRA CD1 rates are at 3.65%, 12-Month Share/IRA CD rates are at 3.03%, 6-Month Share/IRA CD rates are at 2.52%, 18-Month Share/IRA CD rates are at 2.37%, 24-Month Share/IRA CD rates are at 2.26%. Centex Citizens Credit Union's savings rates are at 0.15%. Centex Citizens Credit Union's money market rates are at 0.30%. Centex Citizens Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Centex Citizens Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.76%. Rates were last updated on 03/25/2026. Centex Citizens 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 Centex Citizens Credit Union? Share your experience about Centex Citizens Credit Union by leaving a review below, or read customer reviews before you decide to use Centex Citizens Credit Union. Centex Citizens Credit Union
Centex Citizens Credit Union Main Office 1404 E Milam St
https://centexcitizenscu.com Mexia, TX 76667 2500 
Centex Citizens Credit Union CD Rates
Centex Citizens Credit Union Savings Rates
Centex Citizens Credit Union Money Market Rates
Centex Citizens Credit Union Checking Rates
Centex Citizens Credit Union Credit Card Rates
Centex Citizens Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Centex Citizens 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 Centex Citizens 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 Centex Citizens Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Centex Citizens Credit Union
Website
https://centexcitizenscu.com
Address
1404 E Milam St,
Mexia, TX 76667 2500
Phone
254-562-9296
Fax
254-562-6994
President
Richard Johnson
CEO
Tami Griffin
Full-Time Employees
34
Part-Time Employees
0
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.76%
Return on Assets (ROA)
0.8357%
Return on Equity (ROE)
4.8884%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
112,772,303
Total Amount of Shares and Deposits
92,722,962
Total Shares and Deposits < 1 Year
92,253,690
Total Shares and Deposits 1 3 Years
469,271
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,991,148
Total Uninsured Shares and Deposits > $250K (F+J)
5,991,148
Total Insured Shares and Deposits > $250K (item 17 less item K)
86,731,814
Total Interest Expense (Sum of items 6 8)
789,216
Share Certificates
589
Number of Accounts for Share Drafts
6,643
IRA KEOGH Accounts
185
Number of Accounts for Regular Shares
11,678
All other shares
160
Money Market Shares
65
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
16,774,863
Total Liabilities
94,086,876
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Centex Citizens Credit UnionIs Centex Citizens Credit Union a safe place to deposit money?Yes, Centex Citizens Credit Union is considered a safe financial institution. With a Texas Ratio of 0.76442486172677%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Centex Citizens Credit Union operate?Centex Citizens 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 Centex Citizens Credit Union?Yes, to access services at Centex Citizens 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, Centex Citizens 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, Centex Citizens Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Centex Citizens Credit Union offer online and mobile banking?Most modern institutions like Centex Citizens 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://centexcitizenscu.com. Current Centex Citizens Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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