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

Introduction

Welcome to Citizens Equity First at the Evergreen Member Center, located at 2980 E Capitol Expy Ste 90, San Jose, CA 95148. Since our establishment in 1937, we have proudly served our community, fostering financial growth and stability for over 402,000 members. With total assets exceeding $7.77 billion, we are committed to offering reliable banking solutions that meet your unique needs. At Citizens Equity First, we understand that navigating financial options can be overwhelming. That's why we provide a wide range of services, including personal banking, auto loans, mortgage refinancing, and business loans. With total deposits amounting to $357.66 million and a net worth of $941.56 million, we're here to ensure your money is not just safe but also working hard for you. Our dedicated team of over 1,022 employees, led by CEO Matthew Mamer and Board President Joseph Needham, is passionate about supporting our members with personalized service and expert guidance. Whether you're looking to open a new account or apply for a loan (with more than 220,826 loans already funded), our knowledgeable staff is ready to assist you. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to the same address: 2980 E Capitol Expy Ste 90, San Jose, CA 95148-4246. Join us today and experience the difference that community-focused banking can make! For inquiries or assistance, feel free to call us at 408-545-1471 or explore our website at cefcu.com. We look forward to serving you!

Branch History & Mission

Citizens Equity First has a rich history that began in 1937, rooted in the heart of San Jose, CA. Over the decades, we have grown from a small financial institution to a thriving credit union with more than 402,000 members and total assets of over $7.7 billion. Located at 2980 E Capitol Expy Ste 90, San Jose, CA 95148, our branch is easily accessible for all your banking needs. Our mission is simple yet powerful: to empower our members by providing exceptional financial services while contributing positively to our community. We believe that when our members succeed, our entire community thrives. This commitment drives us to offer a wide range of services including personal banking, auto loans, mortgages, and business banking solutions. Since opening our doors, we have continually adapted to meet the changing needs of our members. Our commitment to digital advancements means you can enjoy online and mobile banking features that make managing your finances easier than ever. We are proud to offer ADA-compliant facilities and strive to ensure that all members can access our services comfortably. While our physical branch provides a welcoming space for face-to-face interactions, we also understand the importance of flexibility. That's why we're excited to announce that we have an ATM available for your convenience. Unfortunately, we do not currently offer drive-thru service or shared service centers; however, our team is here to assist you during 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. Community involvement is at the core of who we are. From partnering with local organizations to support various initiatives, we aim to uplift those around us while fostering strong relationships within the community. We invite you to join Citizens Equity First and experience firsthand how we can support your financial journey. Whether you're looking for a new account, loan options, or simply want more information about what we offer, we're here for you! Visit us today at 2980 E Capitol Expy Ste 90 or call us at 408-545-1471. Together, let's build a brighter future!

Branch Location & Accessibility

Operating Hours

We understand that convenience is key. That's why we offer flexible operating hours! You can visit us 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. Whether you need help with personal banking, auto loans, or mortgage refinancing, our team is ready to assist you during these times.

Services Available

At Citizens Equity First, we take pride in offering a range of services designed to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, our ATM is available for easy cash withdrawals and balance checks whenever you need them. While we do not currently offer drive-thru banking or shared services at this location, our staff is always on hand to provide personalized service that makes banking feel simple and straightforward. We invite you to stop by or give us a call at 408-545-1471 if you have any questions or need assistance. Let Citizens Equity First be your trusted partner in achieving your financial goals!

Member Eligibility

At Citizens Equity First, we believe that becoming a member is like joining a family that supports your financial journey. If you're wondering how to become part of our community, it's simple! You may be eligible if you live, work, or worship in certain areas or if you have family members who are already part of our credit union. We welcome individuals from various backgrounds, making it easy for you to join and enjoy the benefits of membership, such as competitive rates on loans and personalized service. For more specific eligibility criteria, feel free to check out this detailed resource: Membership Benefits. Once you find out you're eligible, opening an account with us is a breeze! Just visit our website for all the information you need to get started: Open an Account. If you have any questions or need assistance along the way, don't hesitate to reach out at (408) 545-1471. We can't wait to welcome you to our branch located at 2980 E Capitol Expy Ste 90 San Jose Ca 95148 and help you take the next step towards achieving your financial goals!

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 having all your payment needs met in one place. Our merchant services provide businesses with essential tools to process transactions seamlessly. From credit card processing to point-of-sale systems, we equip you with everything needed to enhance customer satisfaction and streamline operations. Visit us at 2980 E Capitol Expy Ste 90 San Jose Ca 95148 in San Jose, CA, or call us at (408) 545-1471 to learn how our tailored financial solutions can help your business thrive!

Comprehensive List Of Services

Accessible Support

Located at 2980 E Capitol Expy Ste 90, San Jose Ca 95148, you can reach us at 408-545-1471 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. We invite you to come by and see how we can assist you with any questions regarding our services. At Citizens Equity First, we're more than just a credit union; we're part of your community. Explore all the ways we can support your financial well-being today! Visit us online at cefc.com or stop by our branch for personalized service.

Business Banking Services

For small business owners, we understand how crucial reliable financial services are. Our Business Banking offerings include essential tools like Merchant Services & Business Loans to help you grow and manage your enterprise efficiently.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we have invested in robust Online & Mobile Banking platforms. You can easily manage your accounts from anywhere, anytime whether it's checking balances, transferring funds, or paying bills right from your smartphone. Plus, our ATM & Cash Withdrawal Services ensure that accessing your cash is quick and hassle-free.

Personal Banking Solutions

Our personal banking options include Checking & Savings Accounts tailored to fit various lifestyles and goals. Imagine having a checking account that not only makes daily transactions easy but also offers rewards for your spending. With our Savings Accounts, you can watch your money grow while keeping it accessible when you need it most. If you're considering a new car, our Auto Loans & Vehicle Financing options can help make your dream vehicle a reality with competitive rates and flexible terms. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services provide guidance and support every step of the way. Need extra cash for unexpected expenses? Our Personal Loans & Debt Consolidation solutions can help simplify your finances by merging multiple debts into one easy payment. And don't forget about our Credit Cards with Rewards, which offer benefits that can turn everyday purchases into exciting perks.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the benefits of e-statements, which provide a secure and eco-friendly way to keep track of your transactions without cluttering your inbox. Plus, with electronic signature authorization available, signing documents is as simple as a few taps on your screen. For those who love managing finances on-the-go, our mobile application is here to help. It offers all the essential features right at your fingertips, including mobile payments. This means you can make purchases quickly and easily, whether you're out shopping or dining with friends.

Stay Connected with Real-Time Management

With person-to-person transfers currently not available, our focus is on providing you with other helpful tools to manage your money effectively. Whether you're checking your balance or reviewing recent transactions, everything is user-friendly and designed for ease of use. The security of your information is our top priority. Our online banking system employs advanced security measures to protect your data, ensuring that you can bank with peace of mind. At Citizens Equity First, we believe in making banking accessible for everyone. Explore our digital services today at https://www.cefcu.com/ and see how easy it is to take control of your financial future!

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 ensuring that your hard-earned money is safe and sound while providing you with the financial services you need. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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. Our lending capacity supports members' financial goals across various sectors with $85,043 in used auto loans and a total of $5,989,870,538 in loans and leases. Our operational efficiency is reflected in our net income of $0, which 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. Net Shares (funds available for lending and investments) stand at $8,426,764, further demonstrating our commitment to supporting your financial journey. With a total of 776,575 share accounts, we showcase a strong and growing member base that trusts us with their finances. 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 2980 E Capitol Expy Ste 90 San Jose Ca 95148 or call (408) 545-1471 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. We provide flexible terms and quick processing times so you can drive away in your new vehicle without hassle.

Credit Lines and More

For those looking for additional borrowing options, our credit lines total $2,762,497,585 providing you with access to funds when you need them most. Whether it's for personal projects or unexpected expenses, we have solutions that fit your lifestyle. If you're considering refinancing or want to learn more about eligibility options for any of our products, feel free to reach out. We're here to assist you every step of the way. For more information about our loan offerings or to apply today, visit us at 2980 E Capitol Expy Ste 90 San Jose Ca 95148 or give us a call at 408-545-1471. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take control of your financial future!

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 offer competitive rates and personalized service to guide you through the process smoothly.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. 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 great rewards and low fees to ensure you get the most out of your spending.

Loan Aggregator

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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 guarantees that users receive fair and transparent offers. Each loan comparison reflects current market conditions, allowing you to make well-informed decisions.