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

Introduction

Welcome to Citizens Equity First, your trusted partner in financial growth and community support right here in Santa Clara, California. Established in 1937, we have proudly served our members for over 85 years, fostering a sense of belonging and financial empowerment. Located at 3607 El Camino Real, Santa Clara, CA 95051, our member center is dedicated to providing exceptional service and a wide range of financial products tailored just for you. With a robust membership of 402,409 individuals, Citizens Equity First stands as a pillar of strength in the community. Our total assets exceed an impressive $7.77 billion, demonstrating our commitment to safeguarding your finances while enabling us to invest back into the community. We currently hold over $357 million in deposits and maintain a strong net worth of $941 million, ensuring that your funds are not just secure but also actively working for you. Led by our CEO, Matthew Mamer, and Board President, Joseph Needham, our experienced team of 1,022 employees is here to guide you through every step of your financial journey. Whether you're looking to secure an auto loan with one of our 220,826 loans or explore personalized banking options like mortgages or credit cards with rewards, we're dedicated to offering solutions that fit your unique needs. While members can visit us at our branch location, official correspondence should be sent to the same address: 3607 El Camino Real, Santa Clara, CA 95051. Have questions or want to learn more about our services? Feel free to reach out at (408) 545-1421 we're here for you! At Citizens Equity First, we believe that financial success is best achieved together. Join us today and experience the difference a member-focused credit union can make! Explore more about what we offer by visiting our website at cefcu.com.

Branch History & Mission

A Rich Legacy

From humble beginnings, Citizens Equity First was founded on the principle of serving the community. Our journey began with a small group of dedicated individuals who wanted to provide better financial options for their neighbors. Over the years, we've expanded our services significantly, adapting to the changing needs of our members while maintaining a strong commitment to customer care and community involvement. We are proud to have established ourselves as a trusted partner in your financial journey. Our branch is conveniently located at 3607 El Camino Real, Santa Clara, CA 95051. We are easily accessible to local residents and businesses alike, positioned near well-known landmarks that make us a familiar sight in the area. For official correspondence, please note that our mailing address remains the same: 3607 El Camino Real, Santa Clara, CA 95051.

Embracing Technology

As part of our commitment to serve you better, we embrace technology that enhances your banking experience. From online banking capabilities to mobile payment options and e-statements, we ensure that managing your finances is convenient and straightforward. Our branch is also ADA compliant, ensuring accessibility for everyone in our community.

Join Us Today!

If you're looking for a financial partner who truly cares about your well-being and success, look no further than Citizens Equity First. With operating hours from Monday through Friday 10:00 a.m. to 6:00 p.m., Saturday from 10:00 a.m. to 3:00 p.m., you can visit us anytime during these hours or give us a call at (408) 545-1421 for any inquiries. Join us today at Citizens Equity First! Experience firsthand how we can support your financial dreams while being an integral part of this vibrant community. Together, let's build a brighter future!

Our Mission

At Citizens Equity First, our mission goes beyond just providing financial products; we aim to enrich the lives of our members and contribute positively to the community. Our goal is to deliver personalized banking experiences while offering essential services like checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. We take pride in being more than just a financial institution; we are active participants in community outreach efforts. Through various partnerships and initiatives, we strive to uplift those around us by supporting local events and organizations that make Santa Clara a better place for all.

Branch Location & Accessibility

Accessibility and Parking

Our branch is designed with your convenience in mind. We offer ample parking right outside the entrance, making it simple for you to pop in and get assistance. For those who may need extra support, rest assured that our facility is ADA-compliant with ramps and accessible features throughout.

Get in Touch

Have questions? Feel free to reach out at (408) 545-1421! Our dedicated team is ready to assist you with any inquiries or concerns you may have. We can't wait for you to experience the welcoming atmosphere at Citizens Equity First stop by soon!

Operating Hours

We're open during convenient hours to fit your busy schedule: 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. This means you can visit us before or after work, or even on the weekend when it's most convenient for you!

Services Offered

At Citizens Equity First, we pride ourselves on offering a wide range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we have everything you need under one roof. Plus, with ATM availability right at our location, accessing cash is quick and easy. While members can visit us at 3607 El Camino Real for all their banking needs, official correspondence should be sent to the same address since it serves as our mailing address as well.

Member Eligibility

At Citizens Equity First, we warmly welcome you to join our family! Becoming a member is not just about opening an account; it's about stepping into a community that prioritizes your financial well-being. You can qualify for membership if you live, work, worship, or attend school in specific areas we serve, which you can explore further on our website at Citizens Equity First Membership Benefits. We aim to make this process as smooth and inclusive as possible because we believe everyone deserves access to great financial services. Once you're ready to join us at our Santa Clara branch located at 3607 El Camino Real, Santa Clara, CA 95051, simply visit our Account Opening page or give us a call at (408) 545-1421 for assistance. Our friendly team is eager to help you get started on your journey toward better banking. Join Citizens Equity First today and enjoy the benefits of being part of a supportive financial community!

Business Banking & Commercial Services

Financing Your 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 Matter

Imagine having a reliable partner that simplifies your transactions and enhances customer experience. Our merchant services are designed with your success in mind. From seamless payment processing to secure online transactions, we equip you with tools that streamline operations and keep your cash flow steady. Visit us at 3607 El Camino Real Santa Clara Ca 95051, Santa Clara, CA, or call us at (408) 545-1421 to explore how we can support your business goals today!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, our business banking services include essential tools like merchant services and business loans. We understand the unique challenges faced by businesses today and are committed to providing tailored financial solutions that foster growth and stability.

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your finances anytime, anywhere. With easy access to your accounts through our secure online banking service, you can check balances, pay bills, and transfer funds with just a few clicks. Additionally, our ATM services enable quick cash withdrawals and balance checks without needing to visit a branch. We prioritize making banking as hassle-free as possible so that you can focus on what truly matters in life whether it's planning a family vacation or expanding your business. At Citizens Equity First in Santa Clara, we're not just about transactions; we're about building relationships with our members. If you're ready to explore how we can assist you further, don't hesitate to reach out! You can contact us at 408-545-1421 for any questions or visit us in person at our branch location. Join us today at Citizens Equity First your partner in financial success!

Personal Banking

Our personal banking services include checking and savings accounts designed for every type of saver and spender. Whether you're starting your first account or managing multiple savings goals, we have options that fit your lifestyle. If you're considering a new vehicle, our auto loans and vehicle financing can help get you on the road with competitive rates and flexible terms. For those looking to buy a home or refinance an existing mortgage, our mortgage loans are here to make the process smoother. In addition, if you find yourself facing unexpected expenses or want to consolidate debt, our personal loans provide an effective way to manage those costs. To add even more value, we offer credit cards with rewards, allowing you to earn points on everyday purchases that can be redeemed for travel or cash back.

Digital & Online Banking

Key Features

Our digital banking suite includes e-statements, which provide a quick and eco-friendly way to keep track of your transactions. You can say goodbye to paper clutter and view your statements securely online whenever you need them. Plus, with electronic signature authorization, signing documents has never been simpler or safer no more printing and scanning! If you're always on the move, our mobile application is perfect for you. Available for download, it allows you to manage your finances right from your smartphone. And for those times when you want to pay friends or family quickly, our mobile payments feature makes sending money as easy as sending a text. While we currently do not offer person-to-person transfers, our commitment to security means that all transactions are protected with advanced measures. Rest assured that your information stays safe while you enjoy the convenience of modern banking. In summary, Citizens Equity First is dedicated to providing accessible and hassle-free banking solutions. From real-time account management to mobile applications that fit seamlessly into your lifestyle, we strive to enhance your banking experience every day. Explore our digital services today at https://www.cefcu.com/ and discover how easy managing your finances can be!

Financial Strength

Dedicated Team Ready to Serve You

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 team committed to your success. Our total share accounts stand at 776,575, showing 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 3607 El Camino Real Santa Clara Ca 95051 or call 408-545-1421 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

Reinvesting for Your Benefit

With $927,309,606 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This commitment enables us to support your financial goals more effectively.

Solid Financial Foundation

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.

Supporting Your Financial Needs

We have $85,043 in used auto loans and an impressive $5,989,870,538 in total loans and leases available to support various member needs. Our operational efficiency is reflected in our ability to generate income; while our net income stands at $0, we remain dedicated to offering competitive loan rates and solid financial products for our members.

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 financing options for both new and used vehicles that make ownership more accessible than ever.

Business Financing

For business owners looking to expand or enhance operations, our outstanding commercial loans totaling $684,214,774 provide the capital needed to grow and succeed. Whether it's for equipment purchases or working capital needs, we're here to support your entrepreneurial journey. At Citizens Equity First, we believe that financial services should be accessible and straightforward. Our team is committed to helping you explore refinancing options and eligibility requirements so you can find the best solution for your circumstances. For any questions or to learn more about our loan products, feel free to call us at 408-545-1421 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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We invite you to visit us online at cefcu.com for more information or apply for a loan today!

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 help guide you through every step of the mortgage process so you can feel confident in your investment.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes 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. These cards come with benefits that allow you to keep track of your spending while enjoying rewards along the way.

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), ensuring fair and transparent offers. This sourcing approach guarantees that the information you see is not only current but also reliable.