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Advertiser Disclosure
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 Centex Citizens Credit Union Rates & Review October 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 and Verified: October 10, 2026
Centex Citizens Credit Union's top rates as of October 10, 2026 are 3.65% APY on its 9-Month Share/IRA CD, 0.20% APY on savings, 0.75% APY on money market accounts, 0.10% APY on checking, personal loans from 10.99% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Centex Citizens Credit Union CD rates include 12-Month Share/IRA CD at 3.03%, 6-Month Share/IRA CD at 2.52%, and 18-Month Share/IRA CD at 2.37%. 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 1.36%. Rates last updated and verified on 10/10/2026. 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  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Auto Loan Rates
Centex Citizens Credit Union RV, Boat and Powersport Loan Rates
Centex Citizens Credit Union Credit Card Rates
Centex Citizens Credit Union Personal Loan Rates
Centex Citizens Credit Union Other Rates
Financial Health HistoryCentex Citizens Credit Union’s Texas Ratio rose from 0.31% in Q3 2023 to 1.36% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
32
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+ (99/100)
Texas Ratio
1.36%
Return on Assets (ROA)
0.6128%
Return on Equity (ROE)
3.5712%
Non-Performing Loans Ratio (NPL)
0.44%
Total Assets
118,855,864
Total Amount of Shares and Deposits
97,700,209
Total Shares and Deposits < 1 Year
97,250,595
Total Shares and Deposits 1 3 Years
449,613
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,432,680
Total Uninsured Shares and Deposits > $250K (F+J)
5,432,680
Total Insured Shares and Deposits > $250K (item 17 less item K)
92,267,529
Total Interest Expense (Sum of items 6 8)
530,952
Share Certificates
523
Number of Accounts for Share Drafts
7,594
IRA KEOGH Accounts
188
Number of Accounts for Regular Shares
11,787
All other shares
156
Money Market Shares
65
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)
23,400,448
Total Liabilities
98,945,216
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Centex Citizens Credit Union
Frequently Asked Questions About Centex Citizens Credit UnionHow 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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