At a glance
From its website, read 2 Nov 2026City Federal Credit Union is a credit union based in Amarillo, Texas. Its website describes auto loans, home mortgages and personal loans. Where it lends: Home equity loans available only in Armstrong, Carson, Potter and Randall counties. Consumer loan APRs stated on its site range from 4.24% to 8.49%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | CITYFEDERALCU.com |
| Office (official list) | 901 S Lincoln St, Amarillo, TX 79101 |
What their website says about applying
If you are already a member, the quickest way to apply is to log into Online Banking and click on the Loan Application link
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: from 5.75% APR | APR as low as* 5.75% | source |
| Auto / vehicle loans | Rate: from 4.24% APR | APR as low as* 4.24% | source |
| Personal / consumer loans | Rate: from 8% APR | Rates as low as 8.00% APR* | source |
| Personal / consumer loans | Rate: from 8.49% APR | APR as low as* 8.49% | source |
| Auto / vehicle loans | Term: up to 7 yr | flexible repayment terms, up to 84 months, so you can drive a quality, reliable car | source |
| Personal / consumer loans | Term: up to 12 mo | 12-month term | source |
| Personal / consumer loans | Term: up to 5 yr | with a maximum loan term of 60 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral flexible or not always required
no collateral required to secure the loan
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Nov 2021 |
| RSSD ID | 807076 |
| Address | 901 S Lincoln St, Amarillo, TX 79101 Directions (Google Maps) |
| Website | CITYFEDERALCU.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Pages mention a merger with Magnolia FCU, and the auto refinance offer is tied to refinancing into Magnolia FCU, so terms may change. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | We offer competitive low rates and flexible repayment terms, up to 84 months, so you can drive a quality, reliable car while staying within your budget. | source |
| Home mortgages | — | We offer a fixed-term Home Equity Loan as well as a revolving Home Equity Line of Credit. | source |
| Personal / consumer loans | up to $30,000 | Loan amounts up to $30,000 are available, with a maximum loan term of 60 months (based on credit qualifying factors). | source |
Loan sizes
Loan amounts up to $30,000 are available, with a maximum loan term of 60 months (based on credit qualifying factors).
source
Service area
Home equity loans available only in Armstrong, Carson, Potter and Randall counties
Home Equity Loans are available in Armstrong, Carson, Potter and Randall County only.
source
Counties this matches: Armstrong County, TX, Carson County, TX, Potter County, TX, Randall County, TX
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Online
source
Pages read (7)
- https://www.cityfederalcu.com/
- https://www.cityfederalcu.com/loans/auto-loans/
- https://www.cityfederalcu.com/loans/loan-rates/
- https://www.cityfederalcu.com/loans/home-equity/
- https://www.cityfederalcu.com/loans/personal-loans/
- https://www.cityfederalcu.com/loans/specialty-vehicle-loans/
- https://www.cityfederalcu.com/loans/skip-a-pay/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.7 million in 1 award from the U.S. Treasury's CDFI Fund, 2022 (CDFI Equitable Recovery Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
Emergency Capital Investment Program (ECIP)
Treasury invested $8.5 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as CITY (charter 5665). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $84.3 million (as of 30 Jun 2026) |
|---|---|
| Members | 2,685 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
Texas (2 offices)
- Potter County (1): 901 S Lincoln St, Amarillo 79101
- Randall County (1): 8100 S Soncy Rd, Amarillo 79119 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by City Federal Credit Union (NCUA charter 5665, filed as “CITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $63.3 million, 5,761 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 21.0% from $80.1 million on 30 Jun 2025 |
| Members | 2,685 (as of 30 Jun 2026); 3,318 (as of 30 Jun 2025) |
| Loans per member | $23,576 (total loans divided by members, 30 Jun 2026) |
| Total assets | $84.3 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $2.6 million | 4.0% |
| Used vehicle loans | $9.9 million | 15.6% |
| First-lien home mortgages (1-4 family) | $4.9 million | 7.7% |
| Other real estate loans (junior liens, other) | $5.2 million | 8.1% |
| Commercial (business) loans | $4.4 million | 7.0% |
| Credit cards | $359,105 | 0.6% |
| Other unsecured loans | $27.5 million | 43.4% |
| Leases and other secured loans | $8.5 million | 13.5% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $84.3 million | Larger than 29% of the 14 other certified credit unions in Texas (median $191.6 million). |
| Loans as a share of assets | 75% | Median of the same 14 credit unions: 74%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $80.1 million → $63.3 million (-21%) | Median change of 14 other certified credit unions in Texas: +5%. Rank by loans held among these 15: 10 → 11. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Texas | 14 | larger than 29% |
| Loans held then vs now | certified credit unions in Texas reporting both dates | 14 | rank 10 → 11 of 15 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Amarillo and Texas
- Affordable Homes of South Texas, Inc.Loan fund · McAllen, TXHome repair / improvement loans, Home mortgagesVerified
- BORDERPLEX COMMUNITY CAPITAL, INCLoan fund · El Paso, TXCommercial real estate loans, Equipment loans, Microloans, Small-business loansVerified
- Border Federal Credit UnionCredit union · Del Rio, TXAuto / vehicle loans, Personal / consumer loansVerified
- Business Investment GrowthLoan fund · Austin, TXMicroloansVerified
- Business and Community Lenders (BCL) of TexasLoan fund · Austin, TXCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Entre Capital, LLCLoan fund · Richardson, TXEquipment loans, Microloans, Small-business loansVerified
Work at City Federal Credit Union? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.