Citizens Equity First Credit Union Bloomington IL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Citizens Equity First, your trusted financial partner located at 2323 E Empire St, Bloomington, IL 61704. Since our establishment in 1937, we have been dedicated to serving our community with integrity and commitment. With a robust membership base of over 402,000 members, we pride ourselves on being more than just a credit union; we are a vital part of the lives of those we serve. At Citizens Equity First, we understand that financial decisions can be daunting. That's why we offer a wide range of services tailored to meet your needs whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing. Our total assets amount to an impressive $7,768,682,749, providing us with the strength and stability to support our members effectively. Our leadership team, headed by CEO Matthew Mamer and Board President Joseph Needham, is committed to fostering a welcoming environment where you feel valued and understood. We encourage you to visit us during our operating hours Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 8:00 AM to 5:00 PM, and Saturday from 9:00 AM to 1:00 PM. If you can't make it in person, feel free to reach out at (309) 633-7900 for any inquiries or assistance. While members can visit us at our branch address, official correspondence should be sent to 2323 E Empire St, Bloomington, IL 61704-8253. Join us at Citizens Equity First as we continue to build financial futures together! Explore our website at cefu.com for more information about our services and how we can help you achieve your financial goals.

Branch History & Mission

Join Us

As we look toward the future, Citizens Equity First remains committed to enhancing member experiences through continuous improvement and community involvement. We invite you to join us on this journey experience firsthand how being part of Citizens Equity First can benefit you financially while contributing positively to our beloved Bloomington community. For more information about membership benefits or to apply for an account today, please visit our website or call us at 309-633-7900. Together, let's build a brighter financial future!

Our Journey

Since opening our doors, Citizens Equity First has evolved significantly. From humble beginnings to becoming one of the largest credit unions in the area, we've expanded our services to meet the diverse needs of our members. We understand that financial journeys vary widely, which is why we offer a range of products from personal banking and auto loans to mortgages and business banking solutions. Our commitment to innovation ensures that we stay ahead of the curve, providing modern conveniences like online banking and mobile payments. Our branch not only thrives on financial success but also on community engagement. We believe in giving back through various outreach initiatives and partnerships that strengthen the bonds within Bloomington. Whether it's sponsoring local events or supporting educational programs, we strive to make a positive impact where it matters most.

Our Mission

At the heart of Citizens Equity First is our mission: to empower members by offering accessible financial services while supporting community growth. We aim to provide personalized service with a focus on building lasting relationships. Our knowledgeable staff is here to assist you with everything from opening your first savings account to applying for a mortgage or managing your business finances. While members can visit us at 2323 E Empire St, official correspondence should be sent to our mailing address at 2323 E Empire St, Bloomington, IL 61704-8253. We invite everyone in the area to take advantage of our convenient operating hours Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. With an ATM available on-site and drive-thru banking options for quick transactions, we prioritize accessibility and convenience for all our members.

Branch Location & Accessibility

Call to Action

We invite you to visit Citizens Equity First today at 2323 E Empire St in Bloomington. Experience our welcoming atmosphere and let us help you achieve your financial goals! If you can't make it in person, feel free to reach out over the phone we look forward to serving you!

Convenient Access

Situated just off Empire Street, our branch is close to familiar landmarks that make it easy to find. We are proud to serve the community of McLean County and provide ample parking for our visitors. Our location features ADA-compliant access, ensuring that everyone can visit us comfortably.

Operating Hours

At Citizens Equity First, we understand that life can be busy. That's why we offer flexible hours! You can visit us Monday through Thursday from 9:00 a.m. to 5:00 p.m., and on Fridays from 8:00 a.m. to 5:00 p.m. Need help on Saturdays? We're open from 9:00 a.m. to 1:00 p.m., ready to assist with your banking needs.

Services Offered

Inside our branch, you'll find friendly staff who are eager to help with personal banking services such as checking and savings accounts, auto loans, mortgage loans, and more. We also have a drive-thru service for quick transactions like deposits and withdrawals if you're on the go. Plus, enjoy the convenience of an ATM available right on-site for easy cash withdrawals and balance checks. If you need any assistance or have questions about our services, please don't hesitate to call us at 309-633-7900. We're here for you!

Member Eligibility

At Citizens Equity First, we believe that becoming a member is like joining a caring community where your financial well-being is our priority. If you live, work, or attend school in the areas we serve, you're likely already eligible to join us! We welcome individuals and families who are looking for a supportive partner in their financial journey. To make sure you meet the specific eligibility criteria, feel free to check out the details at https://www.cefcu.com/personal/learn/membership-benefits.html. Joining is simple and convenient! You can start the process by visiting us at our branch located at 2323 E Empire St Bloomington Il 61704 or give us a call at (309) 633-7900 for any questions. We're here to help you every step of the way, whether it's opening an account or learning about our various services designed just for you. Don't hesitate to explore more about how to become part of the Citizens Equity First family today! For more information on account opening, visit https://www.cefcu.com/apply-for-a-loan.html.

Business Banking & Commercial Services

Merchant Services That Matter

Alongside our loan options, we provide merchant services that streamline your payment processing. Imagine receiving payments faster and managing transactions efficiently all while having access to expert support when you need it most. These services not only save you time but also help enhance customer satisfaction. Visit us at 2323 E Empire St Bloomington Il 61704, Bloomington, IL, or call us at (309) 633-7900 to learn how our business banking and commercial services can empower your success!

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

ATM & Drive-Thru Services

Need cash in a hurry? Our branch at 2323 E Empire St Bloomington Il 61704 offers easy access to an ATM for quick withdrawals and balance checks. Additionally, take advantage of our basic drive-thru banking services for simple transactions like deposits and withdrawals without leaving your car. At Citizens Equity First, we're not just about transactions; we're about building relationships with our members. We believe that financial success should be accessible to everyone in the community. Feel free to reach out to us at (309) 633-7900 or visit us during lobby hours Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. to learn more about how we can serve you better. We invite you to discover all the ways we can assist with your financial journey at Bloomington Empire Member Center!

Business Banking

For entrepreneurs and small business owners, we offer specialized business banking services. From merchant services that simplify payment processing to tailored business loans, we are committed to helping your business thrive in today's economy.

Digital Banking

In today's fast-paced world, convenience is key. That's why we emphasize our robust online and mobile banking features. Access your accounts anytime, anywhere with ease whether it's checking balances, making transfers, or paying bills. Our mobile application also supports mobile payments, ensuring that you can manage your finances right from your phone.

Personal Banking

Our personal banking services are tailored just for you. Open a checking or savings account that fits your lifestyle and financial goals. If you're considering purchasing a new car, our auto loans and vehicle financing options offer competitive rates to get you behind the wheel without breaking the bank. For those larger purchases or projects, consider our mortgage loans and refinancing services, which can help make homeownership more accessible. If you find yourself facing unexpected expenses, our personal loans and debt consolidation products provide flexible solutions to regain control over your finances. Plus, with our credit cards featuring rewards, you can earn while you spend on things you already need.

Digital & Online Banking

Accessibility and Security

Security is our top priority. Our online banking services come equipped with advanced security features to protect your personal information while giving you real-time access to your accounts. Whether you're checking your balance or making a payment, rest assured that you're banking safely. In today's fast-paced world, having control over your finances from anywhere is essential. At Citizens Equity First, we're committed to providing accessible and easy-to-use digital banking solutions that fit into your lifestyle. Experience the convenience of modern banking by visiting us online today at https://www.cefcu.com/.

Key Features

Our online platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. You can also sign documents digitally thanks to our electronic signature authorization feature, making it even easier to manage your financial needs without the hassle of paperwork. Plus, if you're looking to keep track of your statements, you'll appreciate our e-statements availability no more waiting for paper statements in the mail! For those who prefer banking on-the-go, our mobile application provides a user-friendly interface that fits right in your pocket. You can make mobile payments easily and securely, allowing you to shop or pay friends with just a tap on your phone. Although person-to-person transfers aren't offered at this time, you'll still find everything you need for everyday transactions right at your fingertips.

Financial Strength

Growing Membership Base

Our strong commitment to service is evident as we manage a total of 776,575 share accounts, showcasing a robust member base that trusts us with their finances. Additionally, our net shares available for lending stand at $8,426,764, allowing us to support your financial aspirations confidently. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Citizens Equity First is your trusted partner. Visit us at 2323 E Empire St or call (309) 633-7900 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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 and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, enabling 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 team.

Reinvesting for Growth

With $927,309,606 in undivided earnings, we reinvest in innovative banking tools and stronger lending options 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.

Strong Financial Position

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 and competitive savings rates even in uncertain economic times.

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. Whether you're looking for financing for a new or used vehicle, our team is ready to assist you with options tailored to fit your budget.

Credit Lines

If you're interested in having access to extra funds when you need them most, our total credit lines amounting to $2,762,497,585 provide just that. This option can be particularly useful for managing unexpected expenses or planning projects without the need for a traditional loan.

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 provide various solutions and can guide you through the process to find the right fit for your needs.

Refinancing Options

At Citizens Equity First, we also understand that situations change. If you're looking at refinancing options for any of our loans or want to check your eligibility for any of our products, feel free to contact us at (309) 633-7900 or visit us at our branch located at 2323 E Empire St Bloomington Il 61704 in Bloomington, IL. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our dedicated staff is here to help you navigate through your options and find solutions that work best for you. Let us help you take your next step toward financial freedom!

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. These cards can be an excellent tool for making purchases while building your credit history.

Loan Aggregator

Ensuring Accurate Loan 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 rigorous sourcing ensures that all loan offers are fair and transparent, allowing users to trust the comparisons they see. LendMesh stands out for several reasons: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions. The focus is solely on providing unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, which helps them make well-informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This highlights the platform's effectiveness in delivering meaningful savings.

Get Started Today

Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*