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

Introduction

Welcome to Citizens Equity First at the Gilroy Member Center, your trusted partner in financial well-being since 1937. Located at 681 Leavesley Rd, Gilroy, CA 95020, we are proud to serve our growing community of over 402,000 members with a commitment to personalized service and financial empowerment. At Citizens Equity First, our mission goes beyond just banking; we strive to make a positive impact on the lives of our members. With total assets of $7,768,682,749 and total deposits amounting to $357,663,736, we ensure that your money is secure while providing you with various services tailored to meet your needs. From auto loans and mortgages to personal loans and business banking solutions, we offer a range of products designed to help you achieve your financial goals. Our CEO, Matthew Mamer, along with Board President Joseph Needham, leads a dedicated team of 1,022 employees who are passionate about serving you. We understand that each member has unique needs; that's why we prioritize building lasting relationships based on trust and transparency. While you're welcome to visit us at our branch for any inquiries or services, please note that official correspondence should be sent to the same address: 681 Leavesley Rd, Gilroy, CA 95020. Whether you're looking for assistance with online banking or need guidance on loan options, we're here for you. We invite you to explore what sets us apart from other financial institutions. Join us today and experience the difference that a member-focused credit union can make! For more information or to get started on your journey toward better financial health, give us a call at 669-265-6721 or visit our website at www.cefcu.com.

Branch History & Mission

At Citizens Equity First, we take pride in our rich history and the meaningful impact we've had on our community since our founding in 1937. Established in the vibrant city of Gilroy, California, our branch has grown alongside our members, adapting to their needs while maintaining a commitment to exceptional service. Located at 681 Leavesley Rd, we are easily accessible for anyone looking to improve their financial journey. Over the years, we have welcomed over 402,409 members, each one contributing to the strong community that makes us who we are today. Our total assets now stand at an impressive $7,768,682,749, reflecting our stability and ability to provide robust financial services. Our mission is simple yet powerful: to empower individuals and families by providing accessible financial solutions while fostering a supportive environment that encourages growth and success. Citizens Equity First is not just about banking; it's about building relationships. We believe in investing back into our community through various outreach programs and partnerships that uplift those around us. Whether it's supporting local events or offering educational resources on financial literacy, we are dedicated to making a difference beyond traditional banking services. Our operating hours are designed with your convenience in mind: Monday through Tuesday and Thursday from 9:00 AM to 5:00 PM, Wednesday from 10:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM. And if you're ever in need of cash outside these hours, you can find an ATM available right here at our branch. While members can visit us at 681 Leavesley Rd, official correspondence should be sent to 681 Leavesley Rd, Ste. C110. Our team is always ready to assist you with everything from personal banking needs like checking and savings accounts to loans for your next vehicle or home. As we look toward the future, our commitment remains steadfast. We aim not only to provide excellent financial products but also to create an inclusive space where every member feels valued and heard. Join us at Citizens Equity First and experience firsthand how we can help you achieve your financial goals while being part of something greater a thriving community focused on support and empowerment. For more information about becoming a member or learning about our services, visit us online at cefcu.com. Your journey starts here!

Branch Location & Accessibility

Convenient Access and Parking

At Citizens Equity First, we understand the importance of accessibility. Our branch is equipped with features that accommodate all members, including ramps for those who may need them. We also provide ample parking space so you can stop by without any hassle.

Operating Hours Tailored to You

We are here to serve you with flexible operating hours. Our lobby is open Monday, Tuesday, and Thursday from 9:00 a.m. to 5:00 p.m., Wednesday from 10:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 2:00 p.m. We aim to make it easy for you to manage your finances at times that suit your schedule.

Services That Fit Your Lifestyle

Our branch offers a variety of personal banking services tailored just for you. From checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards, we have something for everyone. Need cash? Enjoy the convenience of our ATM on-site for quick withdrawals and balance checks.

We're Here for You

If you have any questions or need assistance, don't hesitate to reach out! You can call us at 669-265-6721 during our operating hours. We look forward to welcoming you at Citizens Equity First in Gilroy your community-focused credit union dedicated to helping you achieve your financial goals!

Member Eligibility

At Citizens Equity First, we believe that becoming a member means joining a welcoming community that supports your financial journey. If you're looking to become part of our family at 681 Leavesley Rd, Gilroy, CA 95020, you'll be pleased to know that membership is accessible to many! Generally, anyone who lives, works, or worships in Santa Clara County can apply. Additionally, if you have a family member who is already a member, you can easily join too! We encourage you to check out the detailed eligibility criteria at this link for the most current information. Joining is straightforward once you confirm your eligibility, you can start the account opening process online or by visiting us in person. Our friendly team is here to help every step of the way. If you have questions or need assistance, don't hesitate to give us a call at (669) 265-6721. We're excited to welcome you into our community and help you achieve your financial goals!

Business Banking & Commercial Services

Commercial Loans that Fuel Growth

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 that Simplify Transactions

In today's fast-paced environment, having reliable merchant services is essential. Our solutions make it easy for you to accept payments efficiently, whether online or in-store. This means you can focus on what matters most growing your business while we handle the transactions smoothly. Reach out to us at (669) 265-6721 to learn more about how Citizens Equity First can partner with you on your journey toward success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're considering purchasing a new car or refinancing your current vehicle, our auto loans can help you get behind the wheel without breaking the bank. We understand that buying a car is a significant investment, and we strive to provide competitive rates tailored to fit your budget.

Business Banking Services

For entrepreneurs and small business owners, we provide specialized business banking services including merchant services and business loans. We aim to support local businesses in their growth endeavors by offering flexible financing solutions.

Convenient Access Options

We know that convenience matters in today's busy world. That's why we have an ATM available for quick cash withdrawals and balance checks whenever you need them. Plus, our digital features such as mobile payments ensure that managing your finances is just a tap away. In addition to these services, our friendly team is always ready to assist you with any questions or concerns you may have about managing your finances effectively. We invite you to visit us at Citizens Equity First in Gilroy or call us at 669-265-6721 during our operating hours: Monday through Tuesday from 9 AM to 5 PM, Wednesday from 10 AM to 5 PM, Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. Let us partner with you on your financial journey your goals are within reach!

Credit Cards with Rewards

Our credit cards come with rewards that allow you to earn points on everyday purchases. Whether it's groceries or gas, every dollar spent can bring you closer to exciting rewards or cashback opportunities.

Mortgage Loans & Refinancing

Homeownership is a dream for many, and at Citizens Equity First, we offer comprehensive mortgage loans and refinancing options to turn that dream into reality. Our experienced staff can guide you through the process, making it as stress-free as possible.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, we offer personal banking options that make managing your money straightforward and convenient. Imagine having the ability to deposit checks from your phone or easily transfer funds online. With our online and mobile banking services, accessing your accounts has never been easier.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. With our personal loans, you can cover those costs efficiently. If you're juggling multiple debts, consider our debt consolidation options to simplify your payments into one manageable monthly bill.

Digital & Online Banking

Convenient Online Services

With our online banking platform available at https://www.cefcu.com/, you can check your account balances, transfer funds, and pay bills from the comfort of your couch or while waiting in line. Our user-friendly interface makes navigating through your accounts a breeze. Plus, you'll have access to e-statements, allowing you to view your financial information anytime without the clutter of paper statements.

Mobile Banking On-the-Go

For those who prefer mobile access, our mobile application puts banking right at your fingertips. You can make payments easily through our mobile payments feature or manage your accounts while commuting. With 24/7 online banking services, you'll never miss a beat when it comes to your finances.

Real-Time Management

If you ever need to send money to friends or family quickly, our person-to-person transfer service allows for instant transactions though note that this feature isn't currently available at Citizens Equity First. Regardless, we ensure that all of our services are designed for real-time management of your accounts so that you're always in control. In summary, with the digital and online banking options at Citizens Equity First, you're equipped with everything needed for modern banking all securely wrapped in an easy-to-use package. Experience the convenience today!

Secure Transactions

Your security is our top priority. We offer electronic signature authorization for document signing, providing a safe way to complete transactions without needing to visit a branch. This feature not only speeds up the process but also keeps your personal information protected.

Financial Strength

At Citizens Equity First, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing a safe and reliable banking experience, ensuring your money is secure with us. Our strong financial foundation is evidenced by our impressive net worth of $941,559,727. This significant figure allows us to offer better rates, lower fees, and enhanced member services. Additionally, our net worth ratio of 1210 showcases our solid capital base, ensuring that we can continue providing loans and competitive savings rates even during uncertain economic times. 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 growth opportunities for your finances. Unlike traditional banks, we prioritize our members; with non-member deposits at $457,598, we focus our resources on benefiting you through better loan rates and exclusive perks. With $927,309,606 in undivided earnings, we continually 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 an impressive $5,989,870,538 in total loans and leases. Although our net income currently stands at $0, this reflects a strategic approach towards operational efficiency aimed at enhancing member services. We take pride in having 1,016 full-time employees and 6 part-time employees, ensuring that our branches are always ready to assist you with a knowledgeable team. The strength of Citizens Equity First is further illustrated by our robust member base 776,575 total share accounts demonstrate the trust placed in us by our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Citizens Equity First is your trusted partner. Visit us at 681 Leavesley Rd Gilroy Ca 95020 or call 669-265-6721 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

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. We provide flexible financing options tailored to fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $684,214,774 provide the capital needed to grow and expand. We are dedicated to supporting local businesses and helping them thrive in our community.

Mortgage Options

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 offer competitive rates and straightforward terms to help you secure the home you've always wanted.

Refinancing and Eligibility Options

If you're considering refinancing existing debt or exploring eligibility options for any of our loan products, we're here to assist you every step of the way. Our team can provide personalized guidance based on your specific situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you have any questions or would like to discuss how we can help you meet your financial needs, please feel free to reach out to us at 669-265-6721 or visit us at 681 Leavesley Rd Gilroy Ca 95020. Let's work together toward a brighter financial future!

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 option is perfect for those who want to build credit or cover unexpected expenses without using collateral.

Loan Aggregator

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