Citizens Equity First CU Chillicothe IL | Affordable Vehicle Loans & Business Banking

Introduction

At Citizens Equity First, we believe that financial success begins with a strong community. Located at 110 S 4Th St, Chillicothe, IL 61523, our Chillicothe Member Center has been serving its members since 1937, providing personalized banking solutions that truly make a difference in people's lives. With over 402,409 members and total assets reaching an impressive $7,768,682,749, we are dedicated to helping our community thrive. As your trusted credit union, we offer a range of services tailored to meet your needs whether you're looking for checking and savings accounts, auto loans, or even business banking solutions. Our commitment to excellence is reflected not only in our financial strength but also in the relationships we build with our members. With total deposits amounting to $357,663,736 and a net worth of $941,559,727, you can rest assured that your finances are in capable hands. Led by CEO Matthew Mamer and Board President Joseph Needham, our team is passionate about fostering growth and stability for all our members. We pride ourselves on being more than just a financial institution; we're a partner in your journey toward achieving financial goals. While you can easily visit us at our Chillicothe branch for any banking needs, feel free to reach out via phone at (309) 274-9057 for inquiries or support. Join us today and experience how Citizens Equity First can help empower your financial future! Visit us online at cefcu.com to learn more about our offerings or open an account. Your success is our mission!

Branch History & Mission

At Citizens Equity First, our story began in 1937, a year that marked the beginning of a dedicated journey to serve the community of Chillicothe, IL. Since our inception, we have been committed to providing accessible and affordable financial services to our members. As we grew, so did our mission: to empower individuals and families by delivering tailored financial solutions that foster growth and stability. Located at 110 S 4th St, Chillicothe, IL 61523, our branch has become a cornerstone of the community. We are proud to be a part of this vibrant area where neighbors know each other and support one another. Our strategic location allows us to be easily accessible for all your banking needs. Whether you are visiting us for personal banking or business services, you can expect a warm welcome from our team. Over the years, we have reached significant milestones. Today, we proudly serve over 402,409 members, with total assets amounting to an impressive $7,768,682,749. This growth reflects our unwavering commitment to our members and the trust they place in us. Our achievements are not just numbers; they represent lives impacted and dreams supported. Our mission is simple yet profound: we strive to provide excellent financial services while fostering community support. At Citizens Equity First, we believe that when our members succeed, the entire community thrives. We aim to create lasting relationships through personalized service and innovative products designed with your needs in mind. In addition to traditional banking services such as checking accounts and loans, we also embrace technology to ensure ease of access for all members. With features like online banking and mobile payments available, managing your finances has never been easier. Our commitment to accessibility extends beyond digital advancements; we also maintain compliance with ADA standards to ensure everyone can bank comfortably. We actively engage in community outreach initiatives because giving back is at the heart of what we do. Through partnerships with local organizations and support for various programs, we strive to make a positive impact on those around us. If you're looking for a credit union that values you as a member and is dedicated to supporting your financial journey while uplifting the community, look no further than Citizens Equity First. Join us today and experience firsthand the benefits of being part of a credit union that truly cares! For more information or assistance, feel free to call us at 309-274-9057 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 8:00 AM to Noon. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility and Features

Our branch is equipped with features to ensure all members can visit comfortably. We offer ADA-compliant access, including ramps and designated parking spaces. Plus, our drive-thru banking service makes it quick and easy for those on the go. If you need to make a deposit or withdrawal, our drive-thru is open during convenient hours.

Operating Hours

We're here to serve you 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 8:00 a.m. to noon. This flexible schedule means you can stop by before work or grab what you need during your lunch break.

Services Available

At Citizens Equity First, we offer a range of services tailored to meet your financial needs be it personal banking like checking and savings accounts, auto loans, or even mortgage refinancing. You can also take advantage of our ATM availability for quick cash withdrawals or balance checks whenever you need them. While members can visit us at 110 S 4th St, official correspondence should be sent to our mailing address if necessary. For any questions or assistance, feel free to give us a call at 309-274-9057. We invite you to come by and see how we can assist you with your financial journey! Whether it's for advice or transactions, our friendly team is ready to help you every step of the way.

Member Eligibility

Becoming a member of Citizens Equity First is like joining a welcoming family that supports your financial journey. If you're in the Chillicothe area and share our values, we invite you to explore membership! To be eligible, you generally need to live, work, or worship in the communities we serve, or have a family member who's already part of our credit union. We believe everyone deserves access to quality financial services, so we make it easy for you to join us. For more detailed information on eligibility criteria, feel free to check out our website at https://www.cefcu.com/personal/learn/membership-benefits.html. Opening an account with us is straightforward! You can visit us in person at 110 S 4Th St Chillicothe Il 61523 or start the application process online at https://www.cefcu.com/apply-for-a-loan.html. If you have any questions along the way, don't hesitate to give us a call at (309) 274-9057. Join us at Citizens Equity First, where your financial goals are supported by a community that cares!

Business Banking & Commercial Services

Business Loans for Every Need

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.

Practical Merchant Services

Beyond loans, our merchant services make it easy for you to accept payments and manage transactions efficiently. Imagine quickly processing credit card payments on-the-go or having access to detailed sales reports that help you make informed decisions. With our tools, you can focus more on what you love growing your business while we take care of the financial details. Located at 110 S 4Th St Chillicothe Il 61523 in Chillicothe, IL, we're here to partner with you every step of the way. Visit us today or call (309) 274-9057 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Accessibility

At Citizens Equity First, we believe that banking should be easy. With one ATM available on-site and a drive-thru service for quick transactions, accessing your money has never been simpler. Our friendly team is ready to assist you during lobby hours from Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 8:00 AM to 5:00 PM, and Saturday from 8:00 AM to Noon. Feel free to reach us at 309-274-9057 if you have any questions or need assistance. As part of our community-focused mission, we invite you to explore all that we offer at Citizens Equity First. Whether you're looking for personal banking solutions or business support, we're here for you every step of the way. Come visit us today!

Business Banking

For entrepreneurs, we offer tailored solutions through our business banking services. From merchant services that help streamline transactions to business loans that support growth, we're here to empower your business ambitions.

Credit Cards

Don't forget about the perks! Our credit cards with rewards not only help manage your spending but also give you benefits for every purchase you make. It's a great way to earn while you spend!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. You can manage your accounts anytime from anywhere whether it's checking balances, transferring funds, or paying bills. Additionally, our ATM and cash withdrawal services, along with basic drive-thru banking for deposits and withdrawals, ensure you have access when you need it most.

Loans and Financing

When it comes to financing, we've got you covered. If you're thinking about purchasing a new car or refinancing your existing auto loan, our auto loans and vehicle financing options can make the process smooth and affordable. For those looking to buy a home, our mortgage loans and refinancing solutions are designed to ease your path into homeownership. And if you find yourself in need of extra funds for personal projects or consolidating debt, our personal loans provide flexible terms to suit your situation.

Personal Banking

We understand that managing your finances can be overwhelming at times. That's why we offer personal banking services like checking and savings accounts that fit various lifestyles. Whether you're saving for a dream vacation or managing day-to-day expenses, our accounts are tailored to help you achieve your financial goals.

Digital & Online Banking

Key Features

With our online banking services available 24/7 at https://www.cefcu.com/, accessing your accounts has never been simpler. You can check balances, transfer funds, and pay bills all from the comfort of your own home or while out and about. Plus, if you prefer going paperless, e-statements are available for easy viewing and management of your financial documents. Security is a top priority for us. Our electronic signature authorization feature means you can sign documents digitally with confidence, knowing that your information is safe. And when it comes to payments, our mobile payments option allows you to make transactions quickly and securely using just your smartphone.

Mobile Banking Experience

For those who love the convenience of mobile banking, our user-friendly mobile application provides an intuitive experience. With just a few taps, you can manage your accounts on the go. Need to send money to a friend? Although we don't currently support person-to-person transfers, our other features make everyday banking simple. We know that life can get busy, which is why we designed our digital banking services with accessibility in mind. Enjoy real-time account management wherever you are, allowing you to focus on what really matters your day-to-day life. Explore all that digital banking has to offer at Citizens Equity First today! Visit us at https://www.cefcu.com/ to get started.

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 your financial well-being through strong performance and reliable services. Our 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. Additionally, our lending capacity supports your financial goals across various sectors with $85,043 in used auto loans and an impressive $5,989,870,538 in total loans and leases. Our operational efficiency is reflected in our 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 and committed team. Net Shares (Funds available for lending and investments): $8,426,764. Total Share and Deposit Accounts: 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 110 S 4Th St Chillicothe Il 61523 or call 309-274-9057 to learn more about how we can help you achieve your financial goals.

Loan Offering

At Citizens Equity First, we understand that every financial journey is unique. That's why we offer a diverse range of loan products designed to meet the various needs of our members in Chillicothe, IL, and beyond. Whether you're looking to purchase a vehicle, buy a home, or manage your finances with credit cards, we've got you covered. With over 220826 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular among members. 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. 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 provide straightforward solutions that fit your budget and lifestyle. For those who prefer flexibility in managing their expenses, we also offer unsecured credit card loans with total financing reaching $142,483,010. This allows members to enjoy convenient spending while effectively managing their finances. If you're considering refinancing your existing loans or want to learn more about eligibility options for our various products, our team is here to assist you every step of the way. You can reach us at 309-274-9057 for any inquiries or visit us at our branch located at 110 S 4Th St Chillicothe IL 61523. Our operating hours are 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 8:00 a.m. to Noon. 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're committed to providing transparent information so you can make informed decisions about your financial future. Explore your options today by visiting our website at https://www.cefcu.com or check out our eligibility requirements for membership benefits!

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