Credit union · NCUA insured
San Antonio Citizens Federal Credit Union
A $401.5M credit union headquartered in San Antonio, FL, with 18,427 members and 4 branches in Florida. Best rates: CDs 3.60% and savings 1.31% APY.
San Antonio Citizens Federal Credit Union Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#23 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About San Antonio Citizens Federal Credit Union
Federally chartered in 1955 as a member-owned cooperative, San Antonio Citizens Federal Credit Union was founded to promote the financial success of community members.
As the longest-operating financial institution in Pasco County, it operates locations in San Antonio, Dade City, Zephyrhills, and Wesley Chapel.
- Headquarters
- 12542 Curley St, San Antonio, FL 33576
- NCUA charter
- 10699
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Open to anyone who lives, works, worships, or attends school in Pasco and Hernando Counties.
Employers and groups
- Open to all businesses located in Pasco and Hernando County, as well as businesses located outside the field of membership owned by persons eligible for membership.
Family and household
- Open to immediate family members of all current or eligible members.
Cost to join
- Requires opening a Savings account with as little as $5.00 by visiting one of four offices.
Branches
4 branches in Florida
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Florida
4 branches
- San AntonioMain office12542 Curley St, San Antonio, FL 33576Directions
- Dade City38149 Sprocket Way, Dade City, FL 33525Directions
- Wesley Chapel28909 State Road 54, Wesley Chapel, FL 33543Directions
- Zephyrhills7301 Gall Blvd, Zephyrhills, FL 33541Directions
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 | 11.02% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.28% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.14% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $50 | $76 | — |
- CapitalNet worth ratio11.02%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.28%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.14%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$50Peers’ 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 San Antonio Citizens 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.