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

Introduction

Welcome to Citizens Equity First, your trusted partner in financial well-being located at 175 E Elm St, Canton, IL 61520. Since our establishment in 1937, we've proudly served over 402,000 members, helping them achieve their financial goals and dreams. With total assets exceeding $7.77 billion and a commitment to community, we provide a range of services designed to meet the unique needs of our members. At Citizens Equity First, we understand that financial security is paramount. That's why we offer a variety of products including checking and savings accounts, auto loans, mortgage options, and business banking solutions. We currently manage $357 million in deposits, ensuring your money is safe and growing. Our net worth stands at an impressive $941 million, reflecting our stability and commitment to our members. Led by our dedicated CEO, Matthew Mamer, and Board President Joseph Needham, our team of over 1,022 employees is here to support you every step of the way. Whether you're looking to open a new account or need assistance with existing services, we're just a phone call away at (309) 647-7747. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to the same address: 175 E Elm St, Canton, IL 61520. Ready to take control of your finances? Visit our website at cefcu.com or stop by today! Your journey towards financial empowerment starts here with Citizens Equity First.

Branch History & Mission

Citizens Equity First, located in the heart of Canton, Illinois, has been serving our community since 1937. Over the years, we have grown from a small local credit union into a trusted financial partner for over 402,000 members. With total assets reaching an impressive $7,768,682,749, our commitment to providing exceptional financial services has only strengthened. Our branch is conveniently situated at 175 E Elm St, Canton, IL 61520. This location not only allows us to be easily accessible but also places us close to local landmarks that many in the community know and love. While members can visit us at this address for all their banking needs, official correspondence should be sent to the same address. At Citizens Equity First, our mission is clear: we aim to empower our members through comprehensive financial solutions while fostering a strong sense of community. We believe that everyone deserves access to quality financial services that can help them achieve their dreams be it buying a new home or financing education. Our offerings include personal banking accounts, auto loans, mortgages, and business banking services designed with our members' best interests in mind. Throughout our history, we have embraced innovation to enhance our services. Today, we offer online and mobile banking options, ensuring that members can manage their finances conveniently and securely from anywhere. Our commitment to accessibility includes ADA compliance and features like ATM availability and drive-thru service for those who prefer face-to-face interaction without stepping out of their vehicles. Community support remains at the core of what we do. We actively engage in outreach programs and partnerships with local organizations to uplift those around us. Whether it's sponsoring community events or providing financial literacy workshops, we strive to make a positive impact on the lives of our members and neighbors. As we look towards the future, we invite you to join our growing family at Citizens Equity First. Experience the benefits of being a member of a credit union that truly cares about your financial well-being and community growth. Visit us today or call us at 309-647-7747 to learn more about how we can serve you!

Branch Location & Accessibility

Convenient Access and Features

Our branch is designed with your convenience in mind. If you need to send official correspondence, feel free to use our mailing address, which is also 175 E Elm St, Canton, IL 61520. When you arrive, you'll find ample parking and easy access for everyone, including ADA-compliant features such as ramps to ensure all members can visit us comfortably.

Operating Hours

We understand that life gets busy! That's why our operating hours are tailored to fit your schedule. You can visit us Monday through Thursday from 9:00 a.m. to 5:00 p.m., Fridays from 8:00 a.m. to 6:00 p.m., and Saturdays from 8:00 a.m. to 12:00 p.m. Our friendly staff is always ready to assist you during these times.

Services Available

At the Canton Member Center, we offer a range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing there's something for everyone. Plus, with our drive-thru service and ATM available on-site, banking has never been easier. Whether you're looking to open an account or simply have questions about our services, don't hesitate to give us a call at 309-647-7747 or stop by today! We look forward to welcoming you into the Citizens Equity First family!

Member Eligibility

Becoming a member of Citizens Equity First feels like joining a warm, welcoming family that supports your financial journey. If you live, work, or attend school in our community or have a family member who is already a member, you're likely eligible to join us. At Citizens Equity First, we believe in empowering our members with access to a wide range of financial services tailored to meet your unique needs. From checking and savings accounts to auto loans and mortgages, you'll find plenty of options that help you thrive. To learn more about the specific eligibility requirements and see if you qualify, feel free to check out our detailed guidelines at https://www.cefcu.com/personal/learn/membership-benefits.html. When you're ready to start your membership journey, opening an account is simple just visit this link for all the details. If you have any questions or need assistance, don't hesitate to give us a call at (309) 647-7747. We're excited to welcome you to our community at 175 E Elm St, Canton, IL 61520!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support you need to take your business to the next level. 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

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: you make a sale, and instead of worrying about how to process payments, you seamlessly accept credit and debit cards right at the point of sale. This not only enhances customer satisfaction but also streamlines your cash flow. Located at 175 E Elm St Canton Il 61520, Canton, IL, we invite you to explore how our services can empower your business. For more information or assistance, call us at (309) 647-7747 or visit our website at https://www.cefcu.com/. Let's grow together!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, we offer comprehensive Business Banking solutions. From merchant services that help streamline transactions to business loans that support growth initiatives, we have the tools necessary for your success.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features allow you to manage your finances from anywhere. You can check balances, transfer funds, and pay bills all from the palm of your hand. For those times when you need cash quickly, our ATM & Cash Withdrawal Services ensure you have access whenever necessary.

Drive-Thru and ATM Access

Sometimes you just need to get in and out quickly. Our basic drive-thru banking service allows for easy deposits and withdrawals without having to leave your vehicle. We also provide basic ATM access for quick cash withdrawals and balance checks perfect for those busy days when time is tight.

Get Started Today!

At Citizens Equity First in Canton, IL, we are dedicated to making banking easy and accessible for everyone in our community. With friendly staff available during lobby hours Monday through Friday and even Saturday mornings we're here to assist with all your financial needs. Give us a call at 309-647-7747 or visit us online at cefcu.com to learn more about how we can help you today!

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why our Personal Banking services include checking and savings accounts designed to fit your lifestyle. Whether you're saving for a vacation or need everyday access to your funds, our accounts offer the flexibility and features you need. When it comes to purchasing a vehicle, our Auto Loans & Vehicle Financing options make it easy for you to hit the road without breaking the bank. We provide competitive rates and flexible terms so you can drive away in the car of your dreams. Plus, if you're looking to buy a home or refinance your existing mortgage, our Mortgage Loans & Refinancing services are here to guide you every step of the way. If unexpected expenses arise, our Personal Loans & Debt Consolidation options can help ease your financial burden. We know that life happens, and we're here to help you find solutions that work for you. And don't forget about our Credit Cards with Rewards, which offer great benefits while allowing you to earn rewards on every purchase.

Digital & Online Banking

At Citizens Equity First, we understand that convenience and security are crucial for our members. That's why we've designed a suite of digital and online banking services that make managing your finances easier than ever. With just a few clicks or taps, you can take control of your accounts anytime, anywhere. One of the standout features is our robust online banking platform, accessible at https://www.cefcu.com/. This service allows you to check balances, transfer funds, and view transaction history all from the comfort of your home or on the go. You can even sign documents electronically with our electronic signature authorization feature, making it simple to manage your financial needs without the hassle of paper forms. For those who prefer a more mobile experience, our dedicated mobile application provides easy access to all your banking activities right from your smartphone. Whether you're making mobile payments or viewing your e-statements, everything is right at your fingertips. Plus, with 24/7 online banking services, you're never out of touch with your finances. Need to send money to a friend? While we currently do not offer person-to-person transfers, our other features ensure that managing your funds remains straightforward and secure. And rest assured, all transactions are protected with advanced security measures to keep your information safe. Experience the future of banking today with Citizens Equity First where accessibility meets ease-of-use for real-time account management. Join us in taking advantage of these convenient services and make banking work for you!

Financial Strength

A Growing Community

We have successfully built a strong community of trust with 776575 total share accounts. This shows that more individuals are choosing Citizens Equity First as their trusted partner for their financial needs. 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 175 E Elm St Canton IL 61520 or call us at 309-647-7747 to learn more about how we can help you achieve your financial goals.

Committed to Excellence

Our operational efficiency is reflected in our steady net income of $0, which enables 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.

Members' Savings Are Secure

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.

Reinventing Member Experience

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 your financial goals with $85,043 in used auto loans and a total of $5,989,870,538 in loans and leases available.

Strong 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. Additionally, 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.

Loan Offering

Additional Financing Options

For those interested in commercial ventures, our outstanding commercial loans totaling $684,214,774 provide the capital needed to grow and expand your business. If you're considering refinancing or exploring eligibility options for any of these products, our team is here to assist you every step of the way. You can reach us at (309) 647-7747 or visit us at our branch located at 175 E Elm St Canton Il 61520, Canton IL 61520. 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 strive to provide accessible financial solutions for all our members.

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 that are flexible and tailored for both new and used vehicles.

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 help you navigate the process smoothly so that you can focus on creating a home.

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 come with competitive rates and rewards to help you maximize your spending power.

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