Citizens Equity First Credit Union Santa Clara CA | Top Auto Loans & Mobile Banking

Introduction

Welcome to Citizens Equity First, your trusted partner in financial well-being, located at 3980 Rivermark Plz, Santa Clara, CA 95054. Established in 1937, we have proudly served our community for over eight decades, building strong relationships with our members and fostering a sense of belonging. With a dedicated membership of 402,409 individuals and total assets exceeding $7,768,682,749, we are committed to providing exceptional financial services tailored to your needs. At Citizens Equity First, we understand that each member's journey is unique. Our comprehensive suite of offerings includes personal banking solutions like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. For businesses, we provide essential services such as merchant solutions and business loans. While you can visit us at our physical branch in Santa Clara for face-to-face assistance, please note that any official correspondence should be sent to the same address: 3980 Rivermark Plz, Santa Clara, CA 95054-4155. Led by our CEO Matthew Mamer and Board President Joseph Needham, our team of over 1,022 dedicated employees is here to support you every step of the way. We take pride in maintaining a strong financial position with net worth standing at $941,559,727 and total deposits reaching $357,663,736. We invite you to explore how we can help you achieve your financial goals. Whether you're looking to open an account or simply need advice on managing your finances better, we're just a phone call away at (408) 545-1570. Visit our website at cefcu.com for more information on our services and how to become a member today!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to become part of the Citizens Equity First family. Experience firsthand how we can support your financial journey while contributing positively to our vibrant community. Whether you're looking for loans, savings options, or simply want more information about what we offer, feel free to reach out at (408) 545-1570 or visit us online at cefcu.com. Join us today and let's build a brighter tomorrow together!

Our Mission

At Citizens Equity First, our mission is clear: to provide our members with exceptional financial products and services that inspire confidence and promote community growth. We believe that by focusing on member satisfaction and community support, we can create a positive impact in people's lives. We are committed to offering not only competitive rates but also accessible financial education programs designed to help you make informed decisions. We actively engage in community outreach initiatives that reflect our dedication to service. Through partnerships with local organizations and events focused on enhancing economic prosperity within Santa Clara, we strive to uplift those around us. While members can visit us at our physical location for assistance during our operating hours Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 2:00 p.m. official correspondence should be sent to the same address listed above.

Our Story

Located at 3980 Rivermark Plz, Santa Clara, CA 95054, Citizens Equity First has evolved from a small local credit union into a trusted financial partner for many. Our branch has seen many changes since its opening but has always remained dedicated to providing personalized service and innovative solutions tailored to meet the needs of our diverse membership. As we expanded our reach and resources, we embraced technology that enhances member experiences while maintaining an inviting atmosphere. We provide essential services such as personal banking, auto loans, mortgage financing, and business banking solutions. Despite the growth in size and assets, our core mission has never wavered: to empower our members through education and support while fostering financial well-being.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. We are ADA compliant and offer features like ramps for easy entry, ensuring everyone can access our services without hassle. Ample parking is available, making your visit even more convenient.

Call to Action

We invite you to visit the Citizens Equity First branch today! If you have any questions or need assistance before your visit, feel free to give us a call at 408-545-1570. We look forward to welcoming you and helping you with all your banking needs!

Operating Hours

We understand that life can get busy, so we've tailored our hours to fit your schedule. Our lobby is open Monday through Thursday from 9:00 a.m. to 5:00 p.m., Fridays until 6:00 p.m., and Saturdays from 9:00 a.m. to 2:00 p.m. Feel free to drop by during these hours we're always ready to assist you!

Services Offered

At Citizens Equity First, we provide a wide range of banking services tailored to meet your needs. From personal checking and savings accounts to auto loans and mortgage refinancing, our team is equipped to help you with all your financial goals. Plus, our ATM availability means you can access cash whenever you need it.

Member Eligibility

At Citizens Equity First, we believe that everyone deserves the chance to be part of a supportive community where your financial needs are prioritized. If you're looking to join us, becoming a member is easy and welcoming! To be eligible, you just need to live, work, or worship in our local area or have a family member who is already a member. We want to ensure that our services are accessible to those who truly need them. For more detailed information about membership criteria, feel free to check out our eligibility page at this link. Opening an account with us is straightforward and convenient. You can start the process online or visit us at our branch located at 3980 Rivermark Plz, Santa Clara, CA 95054. Our friendly team is here to assist you every step of the way! If you have any questions, don't hesitate to reach out at (408) 545-1570. Join Citizens Equity First today and experience the benefits of being part of a community-focused credit union!

Business Banking & Commercial Services

Loan Options for Every Business

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 Make a Difference

In addition to loans, we offer comprehensive merchant services tailored to streamline your payment processes. Imagine being able to accept payments seamlessly, whether online or in-store. Our services help you manage transactions efficiently, freeing up more time for what matters most running your business. Visit us at 3980 Rivermark Plz Santa Clara Ca 95054 in Santa Clara, CA, or call us at (408) 545-1570 to explore how we can partner with you on your journey toward success.

Comprehensive List Of Services

Accessing Your Funds Anytime

Need cash? Our ATM & Cash Withdrawal Services ensure easy access whenever you need it. With basic ATM access for withdrawals and balance checks at your fingertips, banking has never been more straightforward. At Citizens Equity First, we're not just about transactions; we're about building relationships with our members in Santa Clara and beyond. If you're ready to explore how we can assist you further, feel free to reach out at 408-545-1570 or visit us online at cefcu.com. Join us today and discover the difference of banking with a credit union that truly cares!

Business Banking Support

For our business members, we offer robust solutions including Business Banking services that cover everything from Merchant Services to Business Loans. We understand that running a business requires reliable financial support, and we're committed to helping you succeed.

Credit Options That Reward You

With our Credit Cards with Rewards, every purchase brings you closer to benefits like cash back or travel rewards. This means that whether you're buying groceries or booking your next vacation, you're earning perks along the way.

Embracing Digital Banking

In today's digital age, convenience is key. That's why we provide comprehensive Online & Mobile Banking options. Whether you're checking your balance on-the-go or transferring funds from the comfort of your home, our platforms are user-friendly and secure.

Home Financing Made Easy

Buying a home can be overwhelming, but with our Mortgage Loans & Refinancing services, we simplify the process. Our knowledgeable staff will guide you through the options available to find the best fit for your budget and needs. You'll feel confident knowing you have support throughout this important journey.

Manage Your Debt with Ease

In today's world, many people face debt challenges. Our Personal Loans & Debt Consolidation offerings provide a straightforward path to managing existing debts while minimizing stress. Imagine consolidating multiple payments into one manageable loan it's easier than you think!

Personal Banking Solutions

We understand that managing personal finances can be challenging. That's why we offer comprehensive Personal Banking services, including Checking & Savings Accounts designed to fit various lifestyles. Whether you're saving for a special event or simply looking for easy access to your funds, our accounts help you achieve your financial goals. When it comes to financing your vehicle, our Auto Loans & Vehicle Financing options are flexible and competitive. Imagine driving away in your dream car with a loan that works for you our team is here to assist you every step of the way.

Digital & Online Banking

Key Features of Our Digital Banking Services

Visit us at https://www.cefcu.com/ to explore all the features we offer. Our online banking services provide 24/7 access, allowing you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. You can also sign documents easily with our electronic signature authorization feature, making it quicker to complete transactions without the hassle of printing or mailing paperwork. For those who prefer a more modern approach, we provide e-statements. This means you can say goodbye to cluttered mailboxes and keep track of your financial activities digitally. Plus, with our mobile application available for download, you can manage your accounts right from your smartphone.

Stay Connected with Mobile Payments

Shopping has never been easier with our mobile payments feature. Whether you're grabbing coffee or buying groceries, you can make quick and secure payments directly from your phone. It's about convenience at your fingertips! Additionally, while we currently do not offer person-to-person transfers, our robust online banking services ensure that your needs are met efficiently and securely.

Why Choose Us?

We prioritize your security as much as we value your convenience. Our systems are designed with top-notch security measures to protect your information and give you peace of mind while banking online. With real-time account management available through Yes, keeping track of your finances is simple and straightforward. Join us at Citizens Equity First for an experience that blends technology with personal service!

Financial Strength

A Trusted Partner

With total share accounts at 776,575, our growing member base shows the trust people place in 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 3980 Rivermark Plz Santa Clara Ca 95054 or call us at 408-545-1570 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.

Commitment to Growth

With $927,309,606 in undivided earnings, we reinvest in innovative banking tools and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors; we currently have $85,043 in used auto loans and a total of $5,989,870,538 in loans and leases available to assist with your borrowing needs. Our operational efficiency reflects in our performance metrics. Even though our reported net income is $0, we remain dedicated to providing competitive loan rates and solid financial products tailored just for you.

Dedicated Team

We take pride in having 1,016 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with knowledgeable and committed staff who genuinely care about your financial well-being.

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' interests; with non-member deposits totaling $457,598, we ensure that our resources focus on benefiting you through better loan rates and exclusive perks.

Solid 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. This solid foundation is critical for ensuring that we can provide the support you need for all your banking needs. Our net worth ratio of 1210 showcases our capital stability, which means we can continue providing loans and competitive savings rates without interruption even during uncertain economic times. This is essential for you as a member because it guarantees that your funds are secure and that we are here for you when you need us most.

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 competitive rates for both new and used vehicles, making it easier than ever to drive away in the car you want.

Business Loans

For business owners, our outstanding commercial loans totaling $684,214,774 provide the capital needed to grow and expand. We understand the importance of having access to funds for your business's operational needs or growth initiatives. If you're interested in any of these loan products or need help determining which option best suits your needs, don't hesitate to reach out! You can contact us at 408-545-1570 or visit us at our branch located at 3980 Rivermark Plz Santa Clara Ca 95054. You may also explore our eligibility options here and apply for a loan here. 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 here to support your journey toward financial wellness!

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 aim to guide you through the process smoothly so that you can focus on what matters most creating a home for yourself and your family.

Unsecured Credit Card Loans

Managing expenses can sometimes be challenging. That's why 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 rewards that make everyday purchases more rewarding.

Loan Aggregator

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