How can I join Citco?
What does it cost to join Citco?
Why should I join a credit union?
Where are you located?
Does Citco have the same services as my bank?
Would my deposits with Citco be insured?
What do you offer to seniors?
What do you offer to students?
What do you offer to children under 13 years
old?
Do you offer business accounts?
Do you offer personal loans?
If I have a checking account, will I get my
canceled checks back?
Can I pay my bills with automatic checks at
Citco?
Where are your fee-free ATMs located?
What are your hours of operation?
What holidays is Citco closed?
How
can I join Citco?
To join Citco, you must fall within one of the following
groups:
- Citco serves the employees of:
- City of Sheridan
- County of Sheridan, including the Sheridan Memorial
Hospital
- Sheridan School Districts
- Sheridan College
- Holy Name School
- Thunder Child Treatment Center
- T&C Liquors
- Sheridan County YMCA
- Westview Health Care Center
- Fidelity Exploration and Production Company
- Citco also serves the members of:
- Survivors of Support (SOS) living within 25 miles
of Citco, and
- Friends of the Sheridan County Public Library
- Can my family join Citco?
Once you are a member of Citco, your family members may also
join as your relative.
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What does it cost to join Citco?
You must maintain a $5 membership share in your regular
share savings account for each account number.
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Why should I join a credit union?
Most people think that credit unions are the same thing as
any other financial institution. However, credit unions have
philosophies that set them apart.
For example, credit unions are member owned cooperatives.
They exist solely to provide their members with a safe, convenient
place to save, and to obtain loans at reasonable rates. Based
on this ownership/membership philosophy, you will receive
friendly, personal service at Citco.
Credit unions are not-for-profit. Earnings are returned to
our members in the form of lower rates on loans, higher returns
on savings, and better services at reduced or no cost.
Credit unions are volunteer driven. Our policys are set by
credit union members elected to boards and committees by all
credit union members.These board and committee members are
not paid. They volunteer to insure that Citco meets the wants
and needs of our members.
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Where are you located?
Citco is at 502 N Main which is the corner of First
Street and N Main in Sheridan, Wyoming.
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Does Citco have the same services
as my bank?
The basic services are the same. We offer savings
accounts, checking (draft) accounts, certificates of deposit,
ATM and Visa Debit cards, personal loans, second mortgage
loans, plus many perks such as direct deposit, electronic
clearing, money orders, and travelers checks.
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Would my deposits with Citco be insured?
Your funds on deposit with Citco would be insured up to $100,000
per individual and per ownership type of account through the
National Credit Union Administration, a US Government Agency.
For example, depending on how you “own” each account,
a family of two may be covered for deposits up to $600,000.
Brochures with a full explanation of how your funds are insured
are available in Citco’s lobby.
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What do you offer to seniors?
Citco currently offers all of our regular products
and services, plus no monthly fee checking to our members
age 55 and older.
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What do you offer to students?
Citco currently offers all of our regular products
and services, plus no monthly fee checking to our members
enrolled in college, and our members who are juniors or seniors
in high school.
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What do you offer to children under
13 years old?
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.
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Do you offer business accounts?
Citco can provide business savings or simple business
checking accounts to our members. These accounts must strictly
be for deposits and check writing. Citco does not offer business
loans.
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Do you offer personal loans?
Citco offers a number of personal loans, including:
- New & Used Auto Loans
- Signature or Unsecured Loans
- Share or Savings Secured Loans
- Recreational Loans
- Land Loans
- Mobile Home Loans
- Second Mortgages
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If I have a checking account, will
I get my canceled checks back?
In order to keep checking account costs low, Citco
does not return your canceled checks. You will receive a monthly
checking account statement which includes a separate page
listing all checks that cleared in numerical order. If you
do need a copy of a canceled check for any reason, we can
obtain a front and back copy of that check from the corporate
credit union that clears our checks.
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Can I pay my bills with automatic
checks at Citco?
Citco does provide “ACH services”. These ACH services
include automatic payments that you have set up to pay items
like your insurance, utilities, etc.
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Where are your fee-free ATMs located?
Citco has two fee-free ATMs 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.
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What are your hours of operation?
Citco’s drive-thru is open from 8:00 a.m. to
5:30 p.m. Monday through Friday, and from 9:00 a.m. to Noon
on Saturdays. Citco’s lobby is open from 9:00 a.m. to
5:00 p.m. Monday through Friday.
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What holidays is Citco closed?
Citco is closed on the following holidays:
- New Year’s Eve (close early at 12:00 p.m.) and New
Year’s Day
- Martin Luther King, Jr. Day
- Presidents’ Day
- Memorial Day
- Independence Day
- Labor Day
- Columbus Day
- Veterans’ Day
- Thanksgiving Day
- Christmas Eve (close early at 12:00 p.m.) and Christmas
Day
If any of these holidays falls on a Friday or a Monday, Citco
will also be closed the coinciding Saturday.
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