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 San Antonio Citizens Federal Credit Union Rates & Review April 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: March 28, 2026
San Antonio Citizens Federal Credit Union's IRA CD - 60 MONTH rates are at 3.85%, CD - 60 MONTH rates are at 3.85%, IRA CD - 48 MONTH rates are at 3.75%, CD - 48 MONTH rates are at 3.75%, IRA CD - 36 MONTH rates are at 3.65%. San Antonio Citizens Federal Credit Union's savings rates are at 0.10%. San Antonio Citizens Federal Credit Union's money market rates are at 0.75%. San Antonio Citizens Federal Credit Union's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of San Antonio Citizens Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.35%. Rates were last updated on 03/28/2026. San Antonio Citizens 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 San Antonio Citizens Federal Credit Union? Share your experience about San Antonio Citizens Federal Credit Union by leaving a review below, or read customer reviews before you decide to use San Antonio Citizens Federal Credit Union. San Antonio Citizens Federal Credit Union
San Antonio 12542 Curley St
https://www.sacfcu.org San Antonio, FL 33576 
San Antonio Citizens Federal Credit Union CD Rates
San Antonio Citizens Federal Credit Union Savings Rates
San Antonio Citizens Federal Credit Union Money Market Rates
San Antonio Citizens Federal Credit Union Checking Rates
San Antonio Citizens Federal Credit Union Mortgage Rates
San Antonio Citizens Federal Credit Union Home Equity & HELOC
San Antonio Citizens Federal Credit Union Auto Loan Rates
San Antonio Citizens Federal Credit Union Credit Card Rates
San Antonio Citizens Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for San Antonio Citizens 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 San Antonio Citizens 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 San Antonio Citizens Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
San Antonio Citizens Federal Credit Union
Website
https://www.sacfcu.org
Address
12542 Curley St,
San Antonio, FL 33576
Phone
352-588-2732
Fax
352-588-2810
President
John Vogel
CEO
Steven Shaffner
Full-Time Employees
58
Part-Time Employees
0
Branch Locations
4
ATM Locations
4
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
0.35%
Return on Assets (ROA)
0.9863%
Return on Equity (ROE)
9.3906%
Non-Performing Loans Ratio (NPL)
0.09%
Total Assets
394,529,653
Total Amount of Shares and Deposits
352,837,767
Total Shares and Deposits < 1 Year
328,440,436
Total Shares and Deposits 1 3 Years
19,009,752
Total Shares and Deposits > 3 Years
5,387,579
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
29,640,771
Total Uninsured Shares and Deposits > $250K (F+J)
29,640,771
Total Insured Shares and Deposits > $250K (item 17 less item K)
323,196,996
Total Interest Expense (Sum of items 6 8)
3,169,249
Share Certificates
2,337
Number of Accounts for Share Drafts
14,991
IRA KEOGH Accounts
760
Number of Accounts for Regular Shares
22,679
All other shares
519
Money Market Shares
1,105
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
45,759,232
Total Liabilities
358,158,897
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About San Antonio Citizens Federal Credit UnionIs San Antonio Citizens Federal Credit Union a safe place to deposit money?Yes, San Antonio Citizens Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.34545442961285%, 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 San Antonio Citizens Federal Credit Union operate?San Antonio Citizens 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 San Antonio Citizens Federal Credit Union?Yes, to access services at San Antonio Citizens 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, San Antonio Citizens 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, San Antonio Citizens Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does San Antonio Citizens Federal Credit Union offer online and mobile banking?Most modern institutions like San Antonio Citizens 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.sacfcu.org. Current San Antonio Citizens Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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