Our Credit Union History         Centex Citizens received its original charter in 1954 as Mexia State School Credit Union to serve the employees of Mexia State School. It was virtually operated on a "back-pocket" system initially with a signature and handshake being all that was required for employees to make small loans. With each passing year, the membership and assets grew and soon a full time manager and other staff were added. The decade of the 1970's saw assets reach some $3.2 million and membership reach 2228. The banking deregulation of the 1980's allowed the credit union to expand its offerings to a full range of banking services and additional employee groups were brought into our field of membership. In 1992 a new community charter was granted to the credit union which allows us to serve essentially anyone who lives or works in Limestone County, as well as parts of Freestone, Hill and Navarro Counties. With this new charter came the new name, Centex Citizens Credit Union and the construction of the main branch located on Highway 171. In 2005, CCCU further expanded with an East Location located on Highway 84 in Mexia in front of the Wal-Mart. As of today, growth has expanded membership to over 6000 and assets to over $45,000,000.    Your Money is Safe with Us Our credit union primarily offers various types of consumer loans and residential real estate lending to the members. We have enjoyed superior financial performance in our lending over the years, which has enabled us to build a sound capital base. Currently, the credit union's capital to assets ratio is over double the industry standard.           Regulation and Supervision As a state chartered credit union, we are regulated by the Texas Credit Union Department. Member accounts are insured to $250,000 by the National Credit Union Administration (NCUA) who administers the federal insurance fund, NCUSIF, which covers most state chartered credit unions.         Our Mission The mission of this credit union is to enhance the financial well-being of its members by:       Adhering to the traditional concept of the credit union movement that values member ownership for member benefit,  Providing a variety of state-of-the-art financial services that meets member needs,  Providing these services at a cost to the member that represents exceptional value,  Helping members cope with financial problems and challenges through counseling and education programs in personal finance, and  Managing its affairs prudently so as to be able to accomplish all of the above continuously into the future.