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!
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.
