Our Services

We are pleased to provide customer service with a smile PLUS the following credit union products and services to our Members:

REGULAR
SHAREDRAFTS
INTEREST BEARING
SHAREDRAFTS
MONEY MARKET
SHAREDRAFTS
  • $3.00/month service charge (Free if balance remains over $500)
  • No monthly fee for those 55 years and older
  • Debit card available at no charge
  • 2 no fee Money Orders per month ($1.00 per additional money order)
  • Automatic transfer from share account to cover drafts ($5.00 per transfer)
  • First 25 checks FREE with your new sharedraft account
  • No charge per check
  • Reasonably priced checks (all checks are duplicates)
  • Free Internet Banking & E-Statements
  • Free Online Bill Pay
  • 0.20% APY dividend paid monthly
  • $250 minimum balance- $5.00 service charge if balance falls below minimum (dividend is paid regardless)
  • First 25 checks FREE with you new sharedraft account
  • Debit card available at no charge
  • 2 no fee Money Orders per month ($1.00 per additional money order)
  • Automatic transfer from share account to cover drafts ($5.00 fee per transfer)
  • No charge per check
  • Reasonably priced checks (all checks are duplicates)
  • Free Internet Banking & E-Statements
  • Free Online Bill Pay
  • $1000 minimum daily balance - $10 monthly fee if balance falls below the minimum at any time during the month
  • Pays tiered interest rates:
    $0- 9,999            0.25% APY
    $10,000- 24,999 0.50% APY
    $25,000- 74,000 0.75% APY
    $75,000 & up      1.00% APY
  • Unlimited Check writing, withdrawals, and transactions
  • First 25 checks FREE with your sharedraft account
  • Debit card available at no charge
  • 2 no fee Money Orders per month ($1.00 per additional money order)
  • Automatic transfer from share account to cover drafts ($5.00 fee per transfer)
  • No charge per check
  • Reasonably priced checks (all checks are duplicates)
  • Free Internet Banking & E-Statements
  • Free Online Bill Pay

Free Checking For Our Members 55 And Older
Citco currently offers all of our regular products and services, plus no monthly fee checking to our members age 55 and older.

Some Web Sites For Our Double Nickel Members:


Free Checking For Students
 Citco currently offers a no monthly fee checking to our members who are full time students. Students must be 18 years of age to open a checking account without a parent or guardian.

ATM & Visa Debit Cards
Citco offers both an ATM card for savings account holders, and a Visa Debit (also known as the Visa Check Card) for draft or checking account holders.

ATM cards give you access to the cash in your account at ATM machines.

Visa Debit or check cards give you access to cash in your account at ATM machines, plus your Visa Debit card can be used like a debit card or a credit card at any merchant that accepts Visa. Unlike a regular credit card, you will not pay interest on your Visa Debit card transactions because the funds for your purchase are deducted from your checking account just like you wrote a check to the merchant. The Visa Debit card is perfect for travel, or for those embarassing moments when you are in the check-out lane and realize you are out of checks!

Citco has two fee-free ATMs for our members in Sheridan. One is located on Citco premises at 502 N. Main Street and available 24 Hours a day. The other is located inside Holly Ponds service station at 910 Long Drive, across from the fairgrounds. Also fee access to any ATM nationwide that displays the Money Pass logo.

  Frugal Freddie Savings Club

Citco has the Frugal Freddie Savings Club for our members under 13 years old. This savings club has a monthly newsletter that includes fun things to do, as well as, educational information on the benefits of saving. Our mascot is Freddie the basset hound.

  Some Fun Links for Freddie's Friends:


This credit union is federally insured by the National Credit Union Administration.
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