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Citizens Choice Federal Credit Union

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Citizens Choice Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Choice Federal 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: August 30, 2026

Citizens Choice Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Citizens Choice Federal Credit Union, and you can see how they compare in the Citizens Choice Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Citizens Choice Federal Credit Union with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 57.85%. Database rates last updated and verified on 08/30/2026.

Citizens Choice Federal 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 Choice Federal Credit Union? Share your experience about Citizens Choice Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Citizens Choice Federal Credit Union.

Overall Health & Safety Grade

High Risk Health Score: 31/100

MonitorBankRates Rating

1.0

Weak Out of 5.0 Stars

Texas Ratio

57.85%

Weak Higher than avg

Citizens Choice Federal Credit Union
Citizens Choice Federal Credit Union

101 Saint Catherine St
Natchez, MS 39120

https://www.citizenschoicefcu.org/

Current Rate Availability

We're not currently displaying rates for Citizens Choice Federal Credit Union, but our database is updated constantly — check back soon for the latest offers.

Are you with Citizens Choice Federal Credit Union? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Citizens Choice Federal 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 Choice Federal 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 Choice Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Citizens Choice Federal Credit Union

Website https://www.citizenschoicefcu.org/

Address 101 Saint Catherine St, Natchez, MS 39120

Phone 601-442-5888

Fax 601-442-5857

President Charles Mock

CEO Patricia Smith

Full-Time Employees 0

Part-Time Employees 2

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

1.0 / 5.0 ★

Overall Health & Safety Grade

F (31/100)

Texas Ratio

57.85%

Return on Assets (ROA)

-2.4688%

Return on Equity (ROE)

-55.3377%

Non-Performing Loans Ratio (NPL)

5.73%

Total Assets

769,332

Total Amount of Shares and Deposits

677,782

Total Shares and Deposits < 1 Year

677,782

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

677,782

Total Interest Expense (Sum of items 6 8)

4,306

Number of Accounts for Regular Shares

399

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

Undercapitalized

Net Worth Classification if credit union is a new credit union

Moderately Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

269,563

Total Liabilities

735,010

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Citizens Choice Federal Credit Union

How many branches does Citizens Choice Federal Credit Union operate?

Citizens Choice Federal 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 Choice Federal Credit Union?

Yes, to access services at Citizens Choice Federal 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 Choice Federal 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 Choice Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Choice Federal Credit Union offer online and mobile banking?

Most modern institutions like Citizens Choice Federal 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.citizenschoicefcu.org/.