Citizens Community

2012 1st Ave S, Fort Dodge, IA 50501

NCUA Insured3.7 (165 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1940

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Fort Dodge, IA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1940

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

2012 1st Ave S

Fort Dodge, IA 50501

Google Maps 🗺Waze

(515) 955-5524

Service Area

This credit union is located in Fort Dodge and serves members in the IA area. Currently serving 13,972 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.95%

Used Auto Loan

4.95%

Personal Loan

10.90%

Credit Card APR

10.50%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IA

Lowest rates currently reported by credit unions in IA (NCUA Q4 2025).

Telco Triad Community— New Auto Loan

Sioux City, IA

1.99%

Waterloo Firemen'S— Used Auto Loan

Waterloo, IA

2.75%

Financial Plus— Personal Loan

West Des Moines, IA

7.91%

Affinity— Credit Card APR

Des Moines, IA

8.19%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(8 total)

Member Reviews

3.7

165 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Rick Brant

3 months ago

If you plan to pay off your auto loan early, do not get a loan through this bank. For the last 3 months I made a principal only payment in addition to my regular payment. Each time it was processed, interest was taken out, even though I clearly stated on my check 'principal only'. All 3 times I had to call in and get it fixed. The supervisor that called me today had excuses and ended up hanging up on me. I finally just paid off the vehicle and am taking my business to another loan organization.

Amber Schwanz

8 months ago

I bought a car and had everything in place they accepted my loan offer signed papers drove off the lot. To be called by ford to tell me they went back on there word an that I was over what they claimed they accepted! Which i wasn't! Hands down the worst expirence!!! Thanks to fort dodge ford for working with me to get a different loan with a reliable bank. I would not recommend them to any of my friends or family.

John Rowen

7 months ago

This isn't just for one branch it's for both . I have been with Citizens community credit union. For 3 years now and I feel that the staff . Are rude and disrespectful to me. And it's to the point I don't even want to go into. Citizens community credit union now . I will be switching banks the first chance I get.

Conner C

9 months ago

Count your days you incompetent fools. Be lucky you don’t have a social media team let alone anyone who picks up the phone to run a professional business. After all these years I’ve had a car loan thru you guys, my name is spelled WRONG EVERY PIECE OF MAIL I RECEIVE. Can you guys not read a 6 letter name and type it correctly? I’ve moved and if I can’t get a new license cuz my the name is spelt wrong on my mail for verification.. I swear to GOD 😒 regardless.. learn how to spell. It’s not OR.. it’s ER. Edit: when are you gonna send the title information to my new address so I can get my plates changed? It’s been 3 weeks since I called. This is pathetic

Enano P

12 months ago

Got a car loan from them through a used car dealership. I wanted to make additional payments toward the principal through the phone but they do not allow that, it has to be in person. It’s such an inconvenience because I live 2 hours away. So I decided to pay off the loan. Couldn’t pay it off online either, has to be in person. Up to 2 weeks to process with a cashiers check. I’ve never had this kind of experience with other loans from other banks in the past.