Credit union · NCUA insured
Citizens Community Credit Union
A $253.6M credit union headquartered in Fort Dodge, IA, with 13,995 members and 8 branches in Iowa. Best rates: CDs 4.00% and savings 1.10% APY.
Citizens Community Credit Union Carrot Score
84
Carrot Score
Higher than 64% of U.S. banks and credit unions
#1 of 5 in Fort Dodge, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Citizens Community Credit Union
Founded in 1940 and headquartered in Fort Dodge, Iowa, Citizens Community Credit Union is a member-owned financial cooperative.
Originally created for Tobin Packing Company employees, it transitioned to a community charter in 1981 and now operates eight offices across north central and northwest Iowa.
- Headquarters
- 2012 1st Ave S, Fort Dodge, IA 50501-6704
- NCUA charter
- 66592
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in one of 33 specified Iowa counties are eligible for membership.
Employers and groups
- Members of 499 Iowa Cooperatives and members of the Iowa Independent Automotive Dealers Association are eligible for membership.
Family and household
- Individuals who have a close relative who lives or works in one of the 33 specified Iowa counties are eligible for membership.
Cost to join
- Membership requires a $25 membership share deposit in a savings account.
Branches
8 branches in Iowa
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Iowa
8 branches
Fort Dodge area · 2
- Citizens Community Credit UnionMain office2012 1st Ave S, Fort Dodge, IA 50501Directions
- Citizens Community Credit Union115 S 29th St, Fort Dodge, IA 50501Directions
Algona area · 1
- Citizens Community Credit Union403 E Call St, Algona, IA 50511Directions
Belmond area · 1
- Citizens Community Credit Union247 E Main St Ste B, Belmond, IA 50421Directions
Estherville area · 1
- Citizens Community Credit Union2 N 2nd St, Estherville, IA 51334Directions
Lake Mills area · 1
- Citizens Community Credit Union106 S Mill St, Lake Mills, IA 50450Directions
Spirit Lake area · 1
- Citizens Community Credit Union1310 18th St Ste A, Spirit Lake, IA 51360Directions
Storm Lake area · 1
- Citizens Community Credit Union609 Flindt Dr, Storm Lake, IA 50588Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 19.14% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.73% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.70% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $81 | $76 | — |
- CapitalNet worth ratio19.14%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.73%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.70%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$81Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.