2.25% APY Checking Account!

Only 4 debit card transactions and a direct deposit

Open your 2.25% APY Checking Account

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Make at least 4 point-of-sale transactions monthly (excluding ATM withdrawals) and have a minimum direct deposit of $500 monthly. 2.25% paid on the first $25,000 on deposit, 0.10% over $25,000. A Minimum deposit of $25 is required upon opening.

Annual percentage yield (APY) is a percentage that reflects the amount of interest you earn on money in a bank account over one year.

FREE online bill pay FREE internet banking No monthly service charge $600 in overdraft protection And more.

Get the most out of your

Checking Account

Achieve a 2.25% APY with minimal effort

Enjoy convenience with our online banking and mobile app

Receive informative and helpful support from our friendly staff

Multiple Locations To Serve You!

  • 701 E FM 700, Big Spring
  • 2609 W Loop 250 N, Midland
  • 2110  W Wall St., Midland
  • 3007 50th St., Lubbock
  • 104 Pine St., Ste 106, Abilene
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Citizens Federal Credit Union

Founded in 1955 as Webb Air Force Base Federal Credit Union in Big Spring, Texas, transformed into a community credit union in 1978 after the base closed, adopting its current name. Today, it serves members across multiple West Texas counties, offering financial services as a not-for-profit credit union owned and controlled by its membership.

“I have had a lot of issues with other banks and this one has been great. No crazy fees and no hassles!”

— Kayla T.

Get your 2.25 APY Checking Account Today!