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Citco Federal Credit Union Rates and Review January 2026

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Citco Federal Credit Union12-month CD rates can be found at 3.25%, 6-month CD rates at 4.05% and 3-month CD rates at 0.90%. Savings rates are at 0.17% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 5.57%. Credit Card rates are at 13.74%. Personal Loan rates are at 10.25%. All these rates, and more, can be found in our database of rates which you can compare to Citco Federal Credit Union rates.

Compare Citco Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Citco Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

Citco 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 CD rates or other rates available. Have you opened an account or have any experiences at Citco Federal Credit Union? Share your experience about Citco Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Citco Federal Credit Union.

Overall, Citco Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

Citco Federal Credit Union
Main
502 N Main St
Sheridan, WY 82801
Member NCUA
MonitorBankRates' Rating
5/5
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CD & Savings Rate Comparison

Bank
Product
APY
Min Dep
12-Month CD
4.06%
$1,000
18-Month CD
3.85%
$500
Money Market
3.82%
$2,500
18-Month CD
3.60%
$500
18-Month CD
3.45%
$100
24-Month CD (IntraFi®)
3.40%
$10,000
24-Month CD
3.29%
$1,000
6-Month CD
3.28%
$500
30-Month CD
3.27%
$1,000
12-Month CD
3.25%
$500
36-Month CD
3.15%
$1,000
36-Month CD
3.09%
$1,000
48-Month CD
3.04%
$1,500
24-Month CD (Jumbo)
3.03%
$95,000
18-Month CD
3.00%
$2,500
18-Month CD
2.83%
$500
12-Month CD
2.78%
$1,000
24-Month CD
2.75%
$1,000
36-Month CD
2.53%
$1,000
48-Month CD
2.53%
$1,000
24-Month CD
2.50%
$1,000
12-Month CD
2.50%
$200
36-Month CD
1.76%
$1,000
30-Month CD
1.60%
$1,000
48-Month CD
1.50%
$10,000
36-Month CD
1.25%
$500
Money Market
1.20%
$2,500
60-Month CD
1.05%
$1,000
Momentum Money Market
1.00%
$25,000
12-Month CD
0.90%
$1,000
60-Month CD
0.90%
$500
12-Month CD
0.75%
$500
48-Month CD
0.50%
$500
Money Market
0.25%
$2,500
12-Month CD
0.20%
$500
3-Month CD
0.20%
$2,500
Savings
0.15%
$10
Savings
0.15%
$50
Performance Money Market
0.10%
$10,000
12-Month CD
0.10%
$1,000
3-Month CD
0.10%
$1,000
Checking (relationship plus)
0.05%
$5,000
Regular Savings
0.05%
$10
Passbook Savings
0.05%
$10
Passbook Savings
0.02%
$0
Savings
0.02%
$100
First Plus Checking
0.01%
$1
36-Month CD
0.00%
$0
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender
Product
Rate
APR
Points
6.300%
6.498%
0.000
5.500%
5.597%
0.000
5.000%
5.128%
0.250
5.625%
5.760%
0.375
20-Year Fixed
5.875%
5.961%
0.125
5.625%
5.691%
0.000
5.500%
5.737%
0.000
3/5 Conforming ARM
4.875%
5.661%
0.250
20-Year Fixed
5.750%
5.887%
0.000
5.875%
6.184%
0.000
15-Year Fixed
5.125%
5.174%
0.000
6.125%
6.320%
0.000
30-Year Fixed
5.875%
5.935%
0.000
30-Year Fixed Jumbo
6.125%
6.160%
0.000
5.875%
5.992%
1.000
6.000%
6.085%
0.000
5.625%
6.037%
0.000
15-Year Fixed Bi-weekly
5.375%
5.508%
0.000
4.675%
4.867%
0.000
30-Year Fixed
6.000%
6.218%
0.000
20 Year Fixed
5.500%
5.659%
0.000
5.750%
5.970%
0.250
15-Year Fixed
5.750%
5.977%
0.000
5.500%
5.581%
0.000
5.375%
5.565%
1.000
30 Year Fixed Jumbo
6.250%
6.282%
0.000
20 Year Fixed
6.500%
6.628%
0.000
15 Year Fixed Jumbo
5.250%
5.290%
0.000
7/1 ARM (Jumbo)
6.125%
6.231%
0.000
15-Year Fixed
5.500%
5.591%
0.000
15-Year Fixed
5.125%
5.389%
1.000
5.875%
6.010%
0.000
30 Year Fixed (Jumbo)
6.125%
6.176%
0.000
6.250%
6.281%
0.000
6.000%
6.239%
0.000
30-Year Fixed (Power Rate)
6.000%
6.162%
0.000
30-Year Fixed (Jumbo)
6.000%
6.010%
0.000
30-Year Fixed
6.125%
6.219%
0.000
5.500%
5.724%
0.000
15 Year Fixed
5.250%
5.306%
0.000
30-Year Fixed
6.500%
6.512%
0.000
5.990%
5.199%
0.000
15-Year Fixed
5.875%
6.120%
0.000
5.750%
5.801%
0.000
5.125%
5.331%
1.000
6.000%
6.148%
0.000
20-Year Fixed
5.750%
5.840%
0.000
30-Year Fixed
5.750%
5.886%
0.000
5.125%
5.173%
0.000
5.750%
5.827%
0.000
View 50 More

Credit Card Rate Comparison

Institution
Product
APR
Notes
GM Extended Family™ Mastercard®
20.240% - 29.990%
0% Intro purchase APR for first 9 months
VISA® Gold
11.960%
Member Rate Advantage VISA
13.040% - 19.040%
No balance transfer fees or annual fees.
14.740%
9.990%
GM Business™ Mastercard®
19.240% - 29.240%
0% Intro purchase APR for first 12 months
16.490% - 17.990%
Visa Signature® Rewards
17.750%
Platinum Card Visa
18.240% - 29.240%
Platinum: 0% introductory APR for the first 18 billing cycles. After that, 18.24% to 29.24% based on your creditworthiness when you open your account.
Rewards Platinum VISA
12.500%
Credit Limit - $500 - $50,000
Acme Visa Credit Card
9.990% - 18.000%
680 and above rate = 9.90% with Score Card points or 8.80% with No points. 640-679 rate = 10.80%. 600-639 rate = 12.84%. 599 and below rate = 18.00%.
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
12.240% - 18.000%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Max Rewards Visa Credit Card
15.250%
Platinum Secured Visa
8.750%
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
Secure Card Visa
29.240%
A card that\'s perfect for anyone who wants to improve or establish their credit.
VISA Platinum without Rewards
7.900%
Visa Platinum Preferred Student
17.990%
Visa Business Rewards Card
15.240%
Academic VISA® Classic
15.400%
School Employee Mastercard
11.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
Platinum Visa
12.400% - 21.400%
The right choice if you carry a monthly balance & want to pay the lowest rate.
Academic VISA® Platinum
10.900%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Institution
Product
APR
Loan Amt
Loan Term Months
8.990% - 17.990%
$0
10.990%
$500
36
9.900%
$0
13.700%
$2,500 - $5,000
36 - 36
Personal Loan
13.000% - 13.200%
$1,500 - $15,000
24 - 24
Unsecured/Personal Loans
8.990%
$0
9.990%
$0
1 - 60
14.700%
$8,000
60 - 60
9.200% - 17.950%
$0 - $15,000
60 - 60
Personal Line of Credit
9.000%
$0
60
8.490%
$0
36 - 36
Unsecured Signature Loan
10.250%
$0
37 - 60
10.000%
$0
60
12.500%
$0
60 - 60
Next Step Loan
10.500%
$0
Overdraft Protection Loan
11.500% - 17.900%
$0 - $5,000
Preferred Personal Loan
10.000%
$0
60
Personal Loans
10.000%
$0
1 - 36
8.890%
$0
Signature Personal Loan
12.150% - 18.000%
$0
49 - 60P
Technology Loan
9.750%
$0
36
Personal Signature Loan
11.000%
$0
96
Gold Star Loan
14.200%
$0
48
Line of Credit Variable
16.740%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Citco Federal Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: Citco Federal Credit Union
Full Time Employees: 4
Part Time Employees: 0
President: Marilyn Pettit
CEO: Tracy Thorpe
Branch Locations: 1
ATM Locations: 1
Corporate Office Address:
502 N Main St
Sheridan, WY 82801
Phone Number: 307-674-7449
Fax Number: 307-674-5375

Financials

Total Assets:
27,473,962
Total Amount of Shares and Deposits:
24,830,240
Total Shares and Deposits < 1 Year:
24,187,517
Total Shares and Deposits 1 3 Years:
642,724
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,090,803
Total Uninsured Shares and Deposits > $250K (F+J):
1,090,803
Total Insured Shares and Deposits > $250K (item 17 less item K):
23,739,437
Total Interest Expense (Sum of items 6 8):
235,566
Share Certificates:
275
Number of Accounts for Share Drafts:
978
Number of Accounts for Regular Shares:
2,146
All other shares:
234
Non Member Deposits:
6
Money Market Shares:
29
Net Income (unless the amount is already included in Undivided Earnings):
248,637
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
4,027,321
Total Liabilities:
24,884,151
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Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Citco Federal Credit Union

Is a member application needed to join Citco Federal Credit Union?

Yes, to access services at Citco Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Citco Federal Credit Union provides a range of mortgage and home equity products.

Is Citco Federal Credit Union a safe place to deposit money?

Yes, Citco Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Citco Federal Credit Union offer online and mobile banking?

Most modern institutions like Citco Federal Credit Union provide digital access including online balance checks and transfers.

Current Citco Federal Credit Union Rates

ProductAPY

Rates subject to change.

Compare to other Credit Unions