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San Antonio Citizens Federal Credit Union

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San Antonio Citizens Federal Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

San Antonio Citizens Federal Credit Union's 30 YR Mortgage rates are at 6.88%. San Antonio Citizens Federal Credit Union's Personal Loan Rates are as low as 10.79%. San Antonio Citizens Federal Credit Union's Credit Card Rates are at 9.90%. 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 0.93%. Rates last updated and verified on 09/23/2026.

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.

Ranked #92 Healthiest Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.93%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

San Antonio Citizens Federal Credit Union
San Antonio

12542 Curley St
San Antonio, FL 33576

https://www.sacfcu.org

San Antonio Citizens Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
30 YR Mortgage	-	-	6.88%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.93%

San Antonio Citizens Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOC	-	-	6.75%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.93%

San Antonio Citizens Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.75%	36 months
Details As Low As; Lowest possible APR of 4.75% available for well-qualified borrowers. Actual rate and approval subject to creditworthiness, loan amount, and loan term. Promotional Loan offer available for a limited time for consumer loans on vehicles, including cars, trucks, SUVs, and vans. Model years 2020 or newer. Refinances must be from lenders other than SACFCU. Refinances must be for at least $15,000. Other terms and conditions may apply. Subject to credit approval and membership eligibility. You can bank with us if you live, work, worship, conduct business, or attend school in eastern Pasco or eastern Hernando Counties. Speak to a member of our team for full details of the offer. Consumer Lending Team: (352) 588-2732 ext. 1500. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.93%
NEW AUTO (2025-26, <10K miles)	-	-	5.15%	60 M
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.93%
USED AUTO (2017 or newer)	-	-	5.41%	60 M
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.93%
OFF-ROAD VEHICLE-2017 or newer Loan	-	-	8.64%	48 M
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.93%

San Antonio Citizens Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
BOAT Loan	-	7.91%	60 M
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.93%
RV Loan	-	7.91%	60 M
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.93%
GOLF CART - 2017 or newer Loan	-	8.62%	36 M
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.93%

San Antonio Citizens Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA CLASSIC	-	9.90%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.93%

San Antonio Citizens Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
PERSONAL Loan	10.79%	48 M
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.93%

San Antonio Citizens Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
OTHER COLLATERAL-2017 or newer Loan	-	-	8.64%	48 M
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.93%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

San Antonio Citizens Federal Credit Union’s Texas Ratio rose from 0.40% in Q2 2023 to 0.93% in Q1 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$402M	0.93%	5.0	A+
December 31, 2025	$393M	0.98%	5.0	A+
September 30, 2025	$395M	0.33%	5.0	A+
June 30, 2025	$389M	0.57%	5.0	A+
March 31, 2025	$394M	0.32%	5.0	A+
December 31, 2024	$382M	0.90%	5.0	A+
September 30, 2024	$376M	0.54%	5.0	A+
June 30, 2024	$365M	1.51%	5.0	A+
March 31, 2024	$367M	0.91%	5.0	A+
December 31, 2023	$349M	0.92%	5.0	A+
September 30, 2023	$353M	0.83%	5.0	A+
June 30, 2023	$358M	0.40%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 61

Part-Time Employees 0

Branch Locations 4

ATM Locations 4

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.93%

Return on Assets (ROA)

0.2767%

Return on Equity (ROE)

2.5879%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

401,548,178

Total Amount of Shares and Deposits

358,923,942

Total Shares and Deposits < 1 Year

333,883,338

Total Shares and Deposits 1 3 Years

19,982,194

Total Shares and Deposits > 3 Years

5,058,410

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

30,643,406

Total Uninsured Shares and Deposits > $250K (F+J)

30,643,406

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

328,280,536

Total Interest Expense (Sum of items 6 8)

1,034,510

Share Certificates

2,358

Number of Accounts for Share Drafts

14,843

IRA KEOGH Accounts

752

Number of Accounts for Regular Shares

22,247

All other shares

510

Money Market Shares

1,174

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)

40,983,476

Total Liabilities

364,366,990

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

San Antonio Citizens Federal Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/san-antonio-citizens-federal-credit-union-rates-review-10699">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #92 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

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Frequently Asked Questions About San Antonio Citizens Federal Credit Union

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.