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Advertiser Disclosure
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 Citizens Choice Federal 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.
Read Full Bio →
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 13, 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 3.01%, 6-month share certificate rates at 2.86% and 3-month share certificate rates at 2.72%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.37%. 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 5.0 Star Rating and an A+ Overall Health Grade. Database rates last updated and verified on 10/13/2026. 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. Citizens Choice Federal Credit Union
Citizens Choice Federal Credit Union 101 Saint Catherine St
https://www.citizenschoicefcu.org/ Natchez, MS 39120  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. Current Rate AvailabilityWe're not currently displaying rates for Citizens Choice Federal Credit Union, but our database is updated constantly, so 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. Financial Health HistoryCitizens Choice Federal Credit Union’s Texas Ratio rose from 2.84% in Q3 2023 to 177.30% in Q1 2026, so its financial health has weakened over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 1.0 and its Health Grade from A+ to F. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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 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
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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
-4.8288%
Non-Performing Loans Ratio (NPL)
5.66%
Total Assets
678,620
Total Amount of Shares and Deposits
675,842
Total Shares and Deposits < 1 Year
675,842
Total Insured Shares and Deposits > $250K (item 17 less item K)
675,842
Total Interest Expense (Sum of items 6 8)
168
Number of Accounts for Regular Shares
394
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Critically Undercapitalized
Net Worth Classification if credit union is a new credit union
Uncapitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
219,448
Total Liabilities
683,228
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Citizens Choice Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Citizens Choice Federal Credit Union
Frequently Asked Questions About Citizens Choice Federal Credit UnionHow 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/. Compare to Other Credit Unions
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