Services

Regular Share (Savings) Account
Pays dividends monthly on the daily balance. The initial minimum deposit to open a share account is $50.00. This account is the account of membership, and no other services are available without first opening a Share Account.
Share Draft (Checking) Account
Personal checking accounts are FREE, no monthly service fees, no minimum balance requirement and no per check charges. Business Accounts can avoid monthly service fees and per check charges by maintaining a daily balance of $500. Business Accounts that fall below $500 on any day during a month are subject to a $3 monthly fee and a 25¢ per check charge for that entire month. On either type of account an initial deposit of $100.00 is required to open, Debit/ATM cards are issued for free and checks are available for purchase. Checks are stored, and the member gets a descriptive statement each month showing the dates, amounts, and check numbers that cleared. If a member needs a copy of a cancelled check, check images are available free for 90 days in It's Me 247. See Fee Schedule for charges associated with this type of account.
Money Market Account
This is a "limited transaction account" that pays dividends monthly on the daily balance.  This account is limited to no more than six (6) preauthorized, automatic withdrawals or transfers per calendar month.  Over those numbers, please see  Fee Schedule for charges that may apply.  Initial opening deposit and minimum daily balance to earn dividends is $1000.00.
Share Certificates
The Credit Union offers share certificate accounts. The minimum balance is $1,000.00. Dividends are paid monthly. There is a penalty for early withdrawal.
IRA
The Credit Union offers IRA accounts that pay dividends monthly. Members can also put their IRA funds into IRA share certificate accounts, if they desire.
Loans
The Credit Union makes loans of all types to its members. The rates are usually lower than most other institutions, and the Credit Union always attempts to provide quick, efficient response to loan requests. In addition to all types of consumer loans, the Credit Union can also offer long-term residential mortgage loans through Credit Union affiliated mortgage companies. Federally Insured Student Loans are also available.
CU*Talk Telephone Banking
  1. Using your touch tone phone, call 1-866-267-4730, available in spanish (espanol).
  2. You will then be asked to enter your member number.  Then press the # key.
  3. Next, you will be prompted to punch in your Personal Identification Number (PIN).  Enter your PIN and press the # key. 
  4. From this point on , the CU*Talk procedure will vary depending on the transactions you wish to complete. CU*Talk will guide you through each step.
  5. When you have finished your last transaction, simply hang up the phone.

If you have any questions about CU*Talk, please contact us, we'll be happy to help.

VISA
The Credit Union issues a VISA credit card for those members who apply and qualify.
Other Services
  • U.S. Savings Bonds
  • Drive-Thru
  • Wiring Services
  • Direct Deposits
  • Money Orders
  • ATM/Debit Card
  • Night Depository
  • Traveler's Cheques
  • Official Checks
  • VISA Gift Cards

Ask an employee for further information about fees and terms applicable to the advertised accounts.

San Antonio Citizens Federal Credit Union serves persons who reside or work in Eastern Pasco and Eastern Hernando Counties in Florida.

    Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA a U.S. Government Agency.
Equal Housing LenderEqual Housing Lender
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