Citizens Equity First Credit Union San Jose CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Citizens Equity First, your trusted partner in financial services right here in sunny San Jose, CA! Located at 171 Branham Ln Ste 12, our branch has been serving the community since 1937, building a legacy of reliability and commitment. With a membership base of over 402,000 individuals, we are proud to offer personalized solutions tailored to meet your unique financial needs. At Citizens Equity First, we understand the importance of community and strive to create a positive impact through our diverse range of services. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or credit cards with rewards, we've got you covered. Our total assets exceed an impressive $7.77 billion, demonstrating our stability and ability to support our members' financial goals. Our leadership team is dedicated to providing exceptional service; under the guidance of CEO Matthew Mamer and Board President Joseph Needham, we work hard to foster a welcoming atmosphere where you feel valued. With 1022 employees on hand, we ensure that there's always someone ready to assist you. While members can visit us at our branch address, official correspondence should be sent to our mailing address: 171 Branham Ln Ste 12, San Jose, CA 95136-2339. We invite you to explore all that we have to offer by visiting our website at cefcu.com or calling us at 408-545-1460. Join us today and experience the Citizens Equity First difference where your financial success is our top priority!

Branch History & Mission

Citizens Equity First, located at 171 Branham Ln Ste 12 in San Jose, CA, has a rich history that dates back to its establishment in 1937. Over the years, this branch has grown from a small financial institution into a trusted resource for over 402,000 members. With total assets exceeding $7.7 billion, we have become a vital part of the community, helping families and individuals achieve their financial goals. Our mission is simple yet powerful: to provide exceptional financial services while fostering a supportive environment for our members. We believe in empowering individuals through education and accessible banking solutions. Whether it's offering personal banking services like checking and savings accounts or helping you finance your dream car with our competitive auto loans, we are committed to making banking easier and more rewarding for everyone. At Citizens Equity First, we understand the importance of convenience and accessibility. Our branch operates Monday through Friday from 10:00 a.m. to 6:00 p.m., and Saturday from 10:00 a.m. to 3:00 p.m., ensuring that our members can visit us at times that suit their schedules. We also offer ATM access for quick cash withdrawals and balance checks. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 171 Branham Ln Ste 12, San Jose, CA 95136-2339. Our commitment extends beyond just banking; we actively engage in community outreach efforts that make a real difference in people's lives. Through partnerships with local organizations and initiatives aimed at supporting education and financial literacy, we strive to uplift those around us. As technology continues to advance, we embrace digital solutions that enhance your banking experience. From online banking to mobile payments, we ensure that you have the tools you need at your fingertips. Join us today at Citizens Equity First! Experience the benefits of membership where your financial well-being is our priority. Together, let's build a stronger community one member at a time. For more information or to open an account, please visit our website or call us at 408-545-1460.

Branch Location & Accessibility

Branch Accessibility

Our location is designed with accessibility in mind, featuring ADA-compliant entrances and parking options that cater to all members. If you're driving, you'll find plenty of parking available right outside our doors. For those who prefer public transport, various bus lines service the area, making it easy for everyone to stop by. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 171 Branham Ln Ste 12, San Jose, CA 95136-2339.

Call to Action

Ready to experience personalized banking? Visit us today at the Branham Member Center or give us a call at (408) 545-1460 for any inquiries. We look forward to welcoming you into our community!

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours to fit your busy schedule. Our lobby is open 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. We're here when you need us!

Services Offered

At Citizens Equity First, we pride ourselves on offering a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards our friendly staff is ready to help you find the right solutions. Plus, enjoy the convenience of ATM access for quick cash withdrawals and balance checks whenever you need them.

Member Eligibility

Becoming a member of Citizens Equity First feels like joining a warm, welcoming family where your financial well-being is the priority. If you're looking to be part of our community, you'll be pleased to know that membership is open to anyone who lives or works in the areas we serve. This includes residents of San Jose and nearby regions who are seeking a supportive partner for their financial journey. We pride ourselves on offering a range of benefits designed to help you thrive, from low-interest loans to personalized banking services. Getting started is simple! You can learn more about the eligibility requirements by visiting our website at https://www.cefcu.com/personal/learn/membership-benefits.html. And when you're ready to open an account, just head over to https://www.cefcu.com/apply-for-a-loan.html, or give us a call at (408) 545-1460 for assistance. We can't wait to welcome you to Citizens Equity First at 171 Branham Ln Ste 12 San Jose Ca 95136!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to our loan offerings, we provide merchant services that simplify payment processing and help you manage transactions efficiently. Imagine a busy day at your café; with our reliable point-of-sale systems, you can quickly serve customers while keeping track of sales seamlessly. This not only enhances customer satisfaction but also boosts your bottom line. Located at 171 Branham Ln Ste 12 San Jose Ca 95136 in San Jose, CA, we invite you to explore how our business banking services can empower your enterprise. Reach out today at (408) 545-1460 and let's build a brighter future together!

Tailored 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.

Comprehensive List Of Services

Borrowing Made Easy

Life can throw unexpected expenses your way, which is why we also provide personal loans and debt consolidation services. Whether you're planning a big purchase or need help managing existing debt, we're here to assist you every step of the way. Additionally, our credit cards with rewards make everyday spending rewarding, giving you points or cash back on purchases that matter most.

Business Banking Services

For our business members, we offer comprehensive solutions including merchant services and business loans. If you're an entrepreneur looking to expand or need cash flow support, our team can guide you through tailored options that suit your business goals.

Convenient Access Anytime

We understand that convenience matters. That's why we provide access to ATMs for quick cash withdrawals and balance checks. Plus, our online and mobile banking platforms allow you to manage your accounts right from your smartphone or computer no more waiting in line! If you have any questions about our services or need assistance, feel free to reach out at (408) 545-1460. Our friendly team is ready to help you navigate your financial journey. Join us at Citizens Equity First, where personalized service meets comprehensive financial solutions! Visit us today or check out our website at Branham Member Center for more information. We look forward to serving you!

Personal Banking Solutions

Our personal banking options include checking and savings accounts designed to help you manage your everyday finances with ease. Imagine having a checking account that allows you to track your spending effortlessly while saving for future goals with a high-yield savings account. With online and mobile banking features, accessing your accounts anytime and anywhere is simple. When it comes to financing, we offer auto loans and vehicle financing that can help get you on the road without breaking the bank. Picture yourself driving off in a new car, all thanks to our competitive rates and flexible repayment plans. For those considering homeownership, our mortgage loans and refinancing options provide various choices to fit different budgets and lifestyles.

Digital & Online Banking

Key Features

Our digital services include 24/7 online banking, which allows you to check balances, pay bills, and transfer funds at your convenience. Visit us at https://www.cefcu.com/ to get started! You'll appreciate the flexibility of e-statements, giving you a quick way to view your account statements without the clutter of paper. Plus, with electronic signature authorization available, signing documents has never been easier or more secure. If you're always on the go, our mobile application makes it simple to manage your accounts right from your smartphone. You can even use mobile payments to make transactions quickly and securely without needing cash or cards. While person-to-person transfers aren't offered at this time, our other features ensure that sending money is still straightforward. Security is a top priority for us at Citizens Equity First. Our online banking services are equipped with advanced security measures to protect your information while providing a user-friendly experience. Whether you're checking your account balance or making a payment, you can feel confident knowing that your data is safe. In today's fast-paced world, having real-time access to your finances is essential. With our digital banking tools, managing your money has never been easier. Join us today at Citizens Equity First and experience the ease of modern banking!

Financial Strength

Growing Together

With total share accounts reaching 776,575, we show a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $8,426,764, reinforcing our ability to help you meet your financial needs effectively. 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 171 Branham Ln Ste 12 San Jose Ca 95136 or call 408-545-1460 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

With $927,309,606 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We are proud to support our community with $85,043 in used auto loans and an impressive total of $5,989,870,538 in loans and leases, helping our members achieve their financial goals across various sectors.

Member Savings and Investments

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 commitment to efficiency is reflected in our operational success as indicated by our net income of $0. This allows 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.

Our 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

Additional Services

For business owners seeking capital to grow and expand their operations, our outstanding commercial loans totaling $684,214,774 provide essential funding solutions. If you're considering refinancing any of these options or exploring eligibility criteria for our services, we invite you to reach out. You can find detailed information on eligibility here. At Citizens Equity First located at 171 Branham Ln Ste 12 San Jose Ca 95136, we are dedicated to supporting our community's financial health. To learn more about our loan products or to start your application process today, please call us at 408-545-1460 or visit our website at cefcu.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

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 financing options for both new and used vehicles, ensuring you can drive away in the car you want without breaking the bank.

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. Whether you're a first-time buyer or looking to refinance your existing mortgage, our team will guide you through every step of the process.

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 competitive rates and rewards that fit your lifestyle.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that you receive fair and transparent offers when searching for loans. Each comparison reflects accurate data, giving you peace of mind in your decision-making process.