Citizens Equity First Credit Union San Jose CA | Best Auto Loans & Business Banking

Introduction

Welcome to Citizens Equity First, your trusted partner in financial well-being, located at 670 Lincoln Ave, San Jose, CA 95126. Since our establishment in 1937, we have dedicated ourselves to serving our community with integrity and care. With a robust membership of over 402,409 individuals, we are proud to be a cornerstone in the lives of many families and businesses. At Citizens Equity First, we believe that financial services should be accessible and supportive. That's why we offer a diverse range of products designed to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options. Our total assets now stand at an impressive $7,768,682,749, reflecting our commitment to financial stability and growth for our members. While you can visit us at our branch for personalized assistance, all official correspondence should be sent to the same address: 670 Lincoln Ave, San Jose, CA 95126-3704. We also encourage you to explore our online resources at cefcu.com where you can easily manage your accounts from anywhere. Led by CEO Matthew Mamer and Board President Joseph Needham, our team of over 1,022 employees is here to help you every step of the way. Whether you need guidance on managing your finances or exploring loan options like our total loans exceeding 220,826 we're committed to ensuring that your experience is smooth and satisfying. As a member-focused credit union, we have achieved remarkable milestones including total deposits of $357,663,736 and a net worth of $941,559,727. These figures not only showcase our strong financial health but also signify our ability to reinvest in the services that benefit you most. We invite you to reach out with any questions or visit us 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. (Pacific). Call us today at 408-545-1411 and discover how we can support your financial journey together!

Branch History & Mission

Commitment to Accessibility

We understand that convenience matters in today's fast-paced world. That's why we provide multiple ways for our members to access their accounts. With ATM availability at our branch and advanced digital banking options like online banking and mobile payments, managing your finances has never been easier. While visiting us at 670 Lincoln Ave is encouraged for all your banking needs, official correspondence can be sent to the same address as well as inquiries directed through our phone number at 408-545-1411. As part of our commitment to inclusivity, we ensure that all facilities comply with ADA standards so everyone can bank comfortably.

Join Us Today!

As we continue on this journey together, we invite you to become a part of the Citizens Equity First family. Experience firsthand how our services can help you achieve your financial dreams while making a positive impact in your community. Visit us today or learn more about membership benefits on our website at cefcu.com. Together, let's build a brighter financial future!

Our Evolution

Since our inception, we have grown significantly, now serving over 402,000 members and managing total assets of approximately $7.77 billion. This growth reflects our dedication to providing exceptional financial services that empower individuals and families. Our journey has seen us adapt to the changing landscape of banking while staying true to our core values of trust, integrity, and community involvement. Our branch address places us in a vibrant area near local landmarks, making it convenient for members to visit us. Whether you are stopping by for personal banking services or exploring loan options, our dedicated team is here to assist you every step of the way.

Our Mission

At Citizens Equity First, our mission is straightforward yet profound: we aim to enhance the financial well-being of our members while fostering a spirit of community. We offer a range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and credit cards with rewards all designed to meet your financial goals. We believe that banking should be more than just transactions; it should also be about building relationships and supporting our community. Through various outreach programs and partnerships with local organizations, we actively contribute to the well-being of San Jose.

Branch Location & Accessibility

Call to Action

Ready to experience banking made easy? Come visit us at the Citizens Equity First branch on Lincoln Avenue or give us a call at 408-545-1411. We're excited to welcome you and help you achieve your financial goals!

Operating Hours

Our dedicated team is ready to assist you during our lobby 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. (Pacific). We strive to accommodate your schedule so you can take care of your financial needs when it's most convenient for you.

Parking & Accessibility

We know that convenience matters, which is why we have ample parking available for our members. Our branch is designed with accessibility in mind; it features ADA-compliant ramps and entrances, ensuring everyone can visit us comfortably.

Services Offered

At Citizens Equity First, we offer a wide range of services tailored to fit your lifestyle whether you're looking for checking and savings accounts, auto loans, mortgage financing, or credit cards with rewards. Our branch also provides ATM services for quick cash withdrawals and balance checks.

Member Eligibility

At Citizens Equity First, we're excited to welcome you into our supportive community! Becoming a member is more than just opening an account; it's about joining a family that prioritizes your financial well-being. To be eligible for membership, you simply need to live, work, or worship in certain areas or be related to someone who does. We strive to keep the process straightforward and inclusive because everyone deserves access to great financial services. You can find all the detailed eligibility criteria at this link so you can see just how easy it is to get started. Once you're ready to take the next step, opening your account with us is a breeze! Whether you're looking for checking accounts, auto loans, or credit cards with rewards, we have options tailored just for you. If you have any questions or need assistance, feel free to give us a call at (408) 545-1411. Our friendly team at our branch located at 670 Lincoln Ave San Jose Ca 95126 is here to help!

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 being able to accept payments seamlessly while focusing on what you do best running your business. Our merchant services provide just that. With easy-to-use payment processing solutions, you can enhance customer experiences and keep your cash flow steady. Whether it's through card transactions or digital payments, we equip you with the tools necessary to handle transactions efficiently. Explore how Citizens Equity First at 670 Lincoln Ave San Jose Ca 95126, San Jose, CA can help elevate your business. Contact us today at (408) 545-1411 to learn more!

Comprehensive List Of Services

Accessibility

We understand that everyone has unique banking needs. Whether you're visiting us in person or using our digital platforms, we strive to make your experience straightforward and efficient. Have questions? Feel free to reach out at 408-545-1411, and our friendly staff will be happy to assist you. At Citizens Equity First in San Jose, CA, we're committed to providing financial solutions that empower our members. Explore all our services today by visiting us online at cefcu.com. Your financial journey begins here!

Business Banking

At Citizens Equity First, we also cater to local businesses with comprehensive banking solutions. Our merchant services streamline payment processes, allowing business owners to focus on what they do best. Additionally, we provide various business loans that empower entrepreneurs to grow their ventures.

Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to access your accounts anytime, anywhere. You can easily manage transactions, check balances, and pay bills right from your smartphone or computer. Our ATM services ensure that cash withdrawals are just a few taps away, with basic access available for balance checks as well.

Personal Banking

Our personal banking services make it easy for you to manage your money. We offer checking and savings accounts tailored to fit your lifestyle. Need a new car? Our auto loans and vehicle financing options provide competitive rates to help you get on the road without breaking the bank. If homeownership is your goal, explore our mortgage loans and refinancing options, designed to simplify the process and meet your specific needs. For those moments when life throws unexpected expenses your way, our personal loans and debt consolidation services can help ease financial stress. Plus, with our credit cards featuring rewards, you can earn benefits while making everyday purchases.

Digital & Online Banking

Key Features

Our online banking services provide 24/7 access, allowing you to check balances, transfer funds, and pay bills anytime you need to. You can rest assured knowing that your personal information is protected with advanced security measures. Plus, our electronic signature authorization means you can complete transactions without the hassle of paperwork. If you prefer to manage your finances on the go, our mobile application offers all the features of online banking right in your pocket. With mobile payments enabled, making purchases or transferring money is as simple as a few taps on your smartphone. Although we currently don't support person-to-person transfers, our robust set of tools covers most of your banking needs.

Stay Organized

You can also take advantage of e-statements, which allow you to view your account statements digitally. This not only keeps your records organized but also helps reduce paper clutter at home. Our platform ensures everything is accessible whenever you need it. In today's fast-paced world, having access to reliable digital banking services is essential. At Citizens Equity First, we strive to provide an experience that combines convenience with security, helping you manage your financial life with ease. Join us today and discover how simple banking can be!

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 available.

Member Trust

Total Share Accounts stand at 776,575, showcasing a strong and growing member base that trusts us with their finances. Net Shares (funds available for lending and investments) amount to $8,426,764. 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 670 Lincoln Ave San Jose Ca 95126 or call 408-545-1411 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.

Operational Efficiency

Our financial performance is reflected in our operational efficiency with a net income of $0, which enables 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.

Secure Savings Options

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.

Strong Financial Health

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 12.10% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have provided $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're purchasing a new or used vehicle, our competitive rates and terms make it easier than ever to drive away with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $180,125,149. We strive to make buying or refinancing simple for our members. With tailored mortgage solutions and expert guidance throughout the process, we are here to support you every step of the way.

Refinancing Options

If you're considering refinancing any existing loans or credit lines, we provide options that could help reduce your monthly payments or lower your interest rates. Our team is ready to discuss eligibility and find solutions that work best for you. For business owners looking for capital to grow and expand their ventures, our outstanding commercial loans totaling $684,214,774 are also available. To learn more about our loan offerings or to check your eligibility for any product mentioned above, feel free to reach out at (408) 545-1411 or visit us at 670 Lincoln Ave San Jose Ca 95126. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Citizens Equity First, we're committed to providing quality service and lending solutions that empower our members toward financial success!

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, our credit cards come with various benefits designed to fit your lifestyle. Whether you need help consolidating debt or making everyday purchases easier, we've got you covered.

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