Credit union · NCUA insured
Citizens Choice Federal Credit Union
A $697.3K credit union headquartered in Natchez, MS, with 394 members and 1 branch in Mississippi.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Citizens Choice Federal Credit Union
Citizens Choice Federal Credit Union is a member-owned, not-for-profit financial cooperative based in Natchez, Mississippi, that opened its doors in 1966.
Designated as a Minority Depository and Low-Income Credit Union, it is dedicated to providing affordable credit and banking services while promoting community development.
- Headquarters
- 101 Saint Catherine St, Natchez, MS 39120
- NCUA charter
- 17715
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of AJFC Community Action Agency, Inc are eligible to join.
- Employees of MAPS – Mississippi Action for Progress, Inc are eligible to join.
- Employees of Merit Health – Natchez are eligible to join.
Military, government and schools
- Employees of Alcorn State University are eligible to join.
- Employees of the City of Natchez (including Police Department, Fire Department, City Hall, Public Works, Recreation Department, Senior Citizen Center, Natchez Transit, Natchez Housing Authority) are eligible to join.
- PERS employees/members are eligible to join.
1 more way to join
Military, government and schools
- Employees of Natchez Water Works are eligible to join.
Branches
1 branch in Mississippi
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Mississippi
1 branch
- Citizens Choice Federal Credit UnionMain office101 Saint Catherine St, Natchez, MS 39120Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Critically undercapitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | -0.68% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 5.66% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -9.73% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $49 | $59 | — |
- CapitalNet worth ratio-0.68%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late5.66%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-9.73%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$49Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Citizens Choice Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.