Citizens Equity First Credit Union Fremont CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Citizens Equity First, your trusted financial partner located at 44047 Osgood Rd, Fremont, CA 94539. Since our establishment in 1937, we have been dedicated to serving our community with a commitment to excellence and a member-first approach. With over 402,409 members, we pride ourselves on being a cornerstone of financial support in the Fremont area. At Citizens Equity First, we understand that financial decisions can be daunting. That's why we're here to help you navigate through them with ease. Our total assets of $7,768,682,749 showcase our stability and reliability as a credit union. With total deposits amounting to $357,663,736, we provide secure savings options that empower our members' financial futures. Our team is led by CEO Matthew Mamer and Board President Joseph Needham, who are deeply committed to enhancing your banking experience. With a staff of 1,022 employees, we're equipped to offer personalized services tailored to your needs. From auto loans and mortgages to everyday banking solutions, our offerings are designed with you in mind. While you can visit us at our branch for all your banking needs, official correspondence should be directed to the same address: 44047 Osgood Rd, Fremont, CA 94539. If you have any questions or need assistance, feel free to call us at (408) 545-1492. Join us today and experience the difference at Citizens Equity First. Explore our website at cefcu.com or stop by for a warm welcome from our dedicated team!

Branch History & Mission

Join Us

We invite you to experience the difference at Citizens Equity First. Whether you're looking for a new checking account or seeking advice on your next loan, our friendly team is here to assist you every step of the way. Discover how we can help you achieve your financial goals join us today! For more information or assistance, feel free to call us at 408-545-1492 or visit our website at cefcu.com.

Our Evolution

From humble beginnings, Citizens Equity First has evolved into a trusted financial partner for many in the Fremont area. Our journey has been marked by significant milestones that reflect our dedication to enhancing the lives of our members through accessible financial services. We understand that each member's journey is unique; therefore, we strive to offer personalized solutions tailored to individual needs. As technology has advanced, so have we. Our digital banking initiatives provide members with easy access to their accounts through online and mobile banking platforms. Features like electronic signatures and e-statements demonstrate our commitment to modern convenience while ensuring that all services remain ADA compliant for inclusivity.

Our Mission

At Citizens Equity First, our mission is clear: to deliver exceptional financial services while fostering a supportive community environment. We believe that when individuals thrive financially, the entire community benefits. This belief drives us to provide a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. We are deeply committed to giving back. Through various partnerships and outreach programs within Fremont and surrounding areas, we aim to uplift those in need and promote overall economic well-being. While members can visit us at 44047 Osgood Rd for all their banking needs during our operating hours Monday through Thursday from 10:00 a.m. to 6:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 10:00 a.m. to 3:00 p.m. official correspondence should be sent to our mailing address at 44047 Osgood Rd, STE 230, Fremont, CA 94539.

Branch Location & Accessibility

Accessibility and Features

At Citizens Equity First, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, ensuring that everyone can visit us comfortably. There's ample parking available, so you won't have to worry about finding a spot when you arrive. While we currently do not offer drive-thru banking services, we encourage you to step inside and experience our welcoming atmosphere. For those who prefer digital banking, we are proud to offer an ATM on-site for quick cash withdrawals and balance checks. You can also take advantage of our comprehensive online and mobile banking services from the comfort of your home or on-the-go.

Get in Touch

We invite you to stop by our Osgood Member Center or give us a call at 408-545-1492 for any questions or assistance. Our dedicated team is here to help you navigate your financial journey with personalized service. Come see how we can support your goals today!

Operating Hours

We know that life gets busy! That's why our doors are open Monday through Thursday from 10:00 a.m. to 6:00 p.m., Fridays from 9:00 a.m. to 6:00 p.m., and Saturdays from 10:00 a.m. to 3:00 p.m. We aim to provide flexible hours that fit into your schedule.

Services Offered

Citizens Equity First offers a wide range of financial services tailored to meet your needs from personal checking and savings accounts to auto loans and mortgages. If you're looking for business solutions, we provide merchant services and business loans as well.

Member Eligibility

Becoming a member of Citizens Equity First feels like joining a close-knit community where your financial well-being is the top priority. If you're interested in becoming part of our family, you'll be happy to know that eligibility is quite straightforward! We welcome individuals who live, work, or worship in certain areas or have family members already part of our credit union. This means whether you're just starting out or looking to grow your financial journey, there's a place for you here. You can find all the detailed criteria and updates about membership on our website at https://www.cefcu.com/personal/learn/membership-benefits.html, which makes it easy to check if you qualify. Opening an account with us is just as simple! Whether you prefer to start online or visit us in person at our branch located at 44047 Osgood Rd Fremont Ca 94539, we are here to help every step of the way. Our friendly team is ready to assist you with any questions you may have. Feel free to reach out at (408) 545-1492 during our operating hours. Join us today and discover the many benefits of being a member at Citizens Equity First!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,879 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $684,214,774, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine making transactions easier for your customers while streamlining your operations. Our merchant services help you accept payments effortlessly, whether online or in-person. This means quicker checkouts and satisfied customers who appreciate smooth service. With us by your side, you can focus on what truly matters: growing your business. Located at 44047 Osgood Rd Fremont Ca 94539, Fremont, CA, we invite you to visit us or call (408) 545-1492 to explore how our business banking solutions can work for you!

Comprehensive List Of Services

Business Banking

For small business owners, we provide specialized services under our Business Banking umbrella. From merchant services that streamline transactions to business loans tailored for growth, we understand what it takes to help businesses thrive.

Convenient Access

We know convenience matters. That's why we offer ATM & Cash Withdrawal Services, allowing you to access your cash easily whenever you need it. With basic ATM access for withdrawals and balance checks, managing your money has never been simpler. At Citizens Equity First, we believe that banking should be accessible and supportive. Our friendly staff is here to assist you whether you prefer visiting us in person or using our digital banking features. If you're ready to explore how we can serve you better or if you have questions about our services, don't hesitate to reach out at 408-545-1492. Join us today at Citizens Equity First where your financial well-being is our priority! For more information about membership benefits or how to open an account, please visit our website. We look forward to serving you!

Credit Cards

Don't forget about our Credit Cards with Rewards program! Whether you want cashback on everyday purchases or travel rewards for that dream vacation, we've got options that add value to your spending.

Loans and Financing

If you're considering purchasing a new vehicle or need a reliable way to finance other personal goals, we offer Auto Loans & Vehicle Financing that fit various budgets and situations. Picture yourself driving off in a new car without breaking the bank! Additionally, our Mortgage Loans & Refinancing options can help you secure your dream home or make adjustments to your current mortgage for better terms. For those needing extra cash for unexpected expenses or debt consolidation, our Personal Loans are designed with you in mind. You can simplify your finances by consolidating multiple debts into one manageable payment.

Personal Banking

For those looking to manage their day-to-day finances, our Personal Banking services include checking and savings accounts that make it easy to keep track of your money. Imagine easily accessing your funds anytime through our robust Online & Mobile Banking platforms. You can check balances, transfer funds, and pay bills from the comfort of your home or on the go.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. No more waiting in line; everything you need is just a few clicks away! Our mobile application further enhances this convenience, allowing you to manage your account right from your smartphone. Plus, with mobile payments available, you can make purchases easily and securely without needing cash or cards. Security is always a priority for us. We utilize electronic signature authorization for a safe and straightforward way to handle documents online. You can also opt for e-statements, which not only help you stay organized but also reduce paper waste. While person-to-person transfers are currently not offered, we believe our other features provide ample opportunities for efficient money management. Whether you're making a quick transfer or reviewing your monthly statements, everything is designed to be as hassle-free as possible. At Citizens Equity First, we're committed to providing accessible and reliable banking solutions that cater to your needs. Experience the ease of modern banking today!

Financial Strength

Commitment to Growth

With $927,309,606 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $85,043 in used auto loans and a total of $5,989,870,538 in loans and leases.

Member-Centric Savings

Members' savings are secured through $1,784,103,145 in share certificates and $1,320,323,090 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $457,598, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our current operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1,016 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Solid Financial Foundation

With a net worth of $941,559,727, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1210 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Member Base

Total Share Accounts stand at 776,575, showing a strong and growing member base that trusts us with their finances. The funds available for lending and investments amount to $8,426,764 in net shares. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Citizens Equity First is your trusted partner. Visit us at 44047 Osgood Rd Fremont Ca 94539 or call 408-545-1492 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,509,535,444 in used vehicle loans and $713,341,413 in new vehicle loans already helping members get on the road. Whether you need financing for a brand-new model or a reliable used car, we have flexible options tailored for you.

Credit Lines

For those looking for added flexibility in managing cash flow or unexpected expenses, our total credit lines amounting to $2,762,497,585 provide a safety net when you need it most. If you're considering refinancing any existing loans or exploring eligibility options for our various products, we're here to help guide you through the process and answer any questions. You can reach us at (408) 545-1492 or visit us at our branch located at 44047 Osgood Rd Fremont Ca 94539. Let us assist you in finding the right loan solution tailored just for you!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $180,125,149, make buying or refinancing simple. We work with you to find solutions that fit your budget and timeline.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $142,483,010 in loans helping members manage their finances effectively. This can be an excellent option if you need quick access to funds without collateral.

Loan Aggregator

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