Citizens Equity First Credit Union Columbia IL | Affordable Vehicle Loans & Checking Accounts

Introduction

Welcome to Citizens Equity First, your trusted financial partner located at 180 Admiral Trost Rd, Columbia, IL 62236. Established in 1937, we have proudly served our community for over 85 years, building a reputation rooted in trust and reliability. With more than 402,409 members and total assets amounting to an impressive $7,768,682,749, we are committed to helping you achieve your financial goals. At Citizens Equity First, we understand that every member's needs are unique. That's why we offer a diverse range of services, including personal banking options such as checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. Whether you're looking to save for the future or need a loan for your next big purchase, we're here to support you every step of the way. While our main branch is conveniently situated at 180 Admiral Trost Rd, any official correspondence should be directed to our mailing address: 180 Admiral Trost Dr, Columbia, IL 62236. Under the leadership of our CEO Matthew Mamer and Board President Joseph Needham, our dedicated team of over 1,022 employees is ready to assist you with personalized service tailored to your financial journey. With a strong net worth of $941,559,727 and total deposits reaching $357,663,736, you can trust that your finances are secure with us. Feel free to reach out at (618) 281-6500 during our lobby hours from Monday through Friday from 9:00 a.m. to 5:00 p.m., or visit us on Saturday from 9:00 a.m. until noon. We invite you to explore all that Citizens Equity First has to offer by visiting our website at cefcu.com. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Commitment to Community

At Citizens Equity First, we understand that financial health goes hand in hand with community well-being. We actively participate in outreach efforts that promote local initiatives and partnerships aimed at uplifting those around us. Whether through educational programs or sponsorships of community events, we strive to make a positive impact in Columbia. While members can visit us at our physical location in Columbia, official correspondence should be sent to 180 Admiral Trost Dr., Columbia, IL 62236 if different from our branch address.

Join Us

Our operating hours are designed with your convenience in mind: Monday through Friday from 9:00 a.m. to 5:00 p.m., and Saturdays from 9:00 a.m. to Noon for drive-thru services. With an ATM available on-site and drive-thru banking options for quick transactions, accessing your funds has never been easier. We invite you to become part of the Citizens Equity First family! Experience firsthand how we can help you achieve your financial goals while making a difference in your community. Reach out today at 618-281-6500 or visit us online at www.cefcu.com to learn more about membership benefits or open an account. Together, let's build a brighter future for everyone in Columbia!

Our Journey

Located at 180 Admiral Trost Rd, Columbia, IL 62236, our branch is more than just a place to conduct financial transactions; it is a hub for local engagement and support. Over the years, we have embraced innovation while staying true to our core values. Today, we proudly manage assets totaling over $7.7 billion, ensuring that we can offer competitive rates and services tailored to meet the diverse needs of our members. Our mission is clear: to provide exceptional financial services while fostering community support and development. We believe that when our members succeed, so does our community. That's why we are dedicated to offering a variety of products ranging from personal banking solutions like checking and savings accounts to auto loans and mortgages. Additionally, we prioritize accessibility with features such as online banking, mobile payments, and ADA-compliant facilities.

Branch Location & Accessibility

Comprehensive Services at Your Fingertips

At our Columbia Member Center, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. While members can visit us at 180 Admiral Trost Rd for all their banking needs, please note that any official correspondence should be sent to our mailing address at 180 Admiral Trost Dr, Columbia, IL 62236. So why wait? Come visit us today or give us a call at 618-281-6500. We look forward to helping you achieve your financial goals!

Easy Access for Everyone

At Citizens Equity First, we understand that accessibility matters. Our branch is fully ADA compliant, featuring ramps and ample parking to ensure easy access for all members. If you're driving through, you'll be pleased to find our drive-thru service available, making it simple to handle transactions without leaving your vehicle.

Operating Hours Tailored to You

We are committed to providing flexibility in your banking experience. Our lobby hours are Monday through Friday from 9:00 a.m. to 5:00 p.m., with additional drive-thru hours on Saturday from 9:00 a.m. to noon. This way, you can visit us when it's most convenient for you!

Member Eligibility

Joining the Citizens Equity First community is like opening the door to a world of financial support and personalized services. If you're eager to become a member, you'll be pleased to know that eligibility is straightforward and welcoming. Whether you're a resident of Columbia, IL, or work in the area, you can qualify for membership. Additionally, if you have family members who are already part of our credit union, you can join as well! This inclusive approach ensures that everyone has a chance to experience the benefits we offer, such as competitive loan rates and personalized banking solutions. To learn more about the specific eligibility criteria, feel free to visit our detailed page at Citizens Equity First Membership Benefits. Once you're ready to take the next step and open your account, it's as easy as pie! Just head over to our account opening page at Apply for a Loan. If you have any questions or need assistance along the way, don't hesitate to give us a call at (618) 281-6500. We look forward to welcoming you into our vibrant community at 180 Admiral Trost Rd, Columbia, IL 62236!

Business Banking & Commercial Services

Loan Options for 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 Make a Difference

In addition to loans, we offer comprehensive merchant services that streamline payment processing for your business. Whether you run a storefront or an online shop, our services simplify transactions, allowing you to focus on what you do best serving your customers. Located at 180 Admiral Trost Rd Columbia Il 62236 in Columbia, IL, our team is here to provide personalized service that meets your unique needs. Let us partner with you on your journey to success!

Comprehensive List Of Services

Accessibility for All

We believe banking should be accessible to everyone. Our basic drive-thru service allows for simple transactions like deposits and withdrawals, while our ATM provides essential access for balance checks and cash withdrawals. At Citizens Equity First, we're dedicated to ensuring that your banking experience is straightforward and satisfying. Whether you're looking for personal or business solutions, our team is here to help you navigate through every financial decision. Ready to explore how we can assist you? Visit us at 180 Admiral Trost Rd Columbia Il 62236, call us at (618) 281-6500, or check out our website at Columbia Member Center. Let's start building a brighter financial future together!

Credit and Business Services

For those interested in building their credit, we provide Credit Cards with Rewards, allowing you to earn benefits while making everyday purchases. If you're a business owner, our Business Banking services include merchant services and business loans that cater to your operational needs. We want to support your growth every step of the way.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. You can access funds through our ATM & Cash Withdrawal Services or take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your car.

Personal Banking

Whether you're opening your first checking account or looking for a high-yield savings option, we have you covered. Our Personal Banking services include checking and savings accounts tailored to help you manage your finances effectively. For those looking to purchase a vehicle, we offer Auto Loans & Vehicle Financing with competitive rates that make getting behind the wheel easier than ever. If homeownership is on your mind, consider our Mortgage Loans & Refinancing options. We simplify the process so you can focus on what matters most finding your dream home. Additionally, our Personal Loans & Debt Consolidation services can help you consolidate existing debts into one manageable payment, making it easier to regain control of your finances.

Digital & Online Banking

At Citizens Equity First, we understand that convenience and security are top priorities for our members. That's why we offer a range of digital and online banking services designed to make managing your finances easy and accessible, anytime and anywhere. With our user-friendly online banking platform, you can securely access your accounts 24/7. Simply visit https://www.cefcu.com/ to get started. Whether you want to check your balance, pay bills, or transfer funds, everything is just a few clicks away. Plus, if you prefer using your smartphone, our mobile application provides all the features you need on the go. You can manage your accounts right from the palm of your hand! We also offer electronic signature authorization, making it easier than ever to complete transactions without needing to visit a branch. For those who like to keep track of their statements digitally, e-statements are available for hassle-free management of your financial documents. Looking to make payments quickly? Our mobile payments feature allows you to pay with just a tap, so you can leave your wallet at home. And while person-to-person transfers aren't available right now, we're always looking for ways to enhance our services. At Citizens Equity First, we're committed to providing secure and efficient digital solutions that fit into your busy life. Experience the freedom of real-time account management today!

Financial Strength

Growing Trust from Members

Total Share Accounts stand at 776,575, showing a strong and growing member base that trusts us with their finances. With net shares amounting to $8,426,764, we have the funds available for lending and investments that help us support your needs effectively. 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 180 Admiral Trost Rd Columbia Il 62236 or call (618) 281-6500 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.*

Member Savings Security

Your 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.

Operational Efficiency

Our operations reflect efficiency with a 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, committed team.

Reinvestment for Better Services

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. Our lending capacity supports members' financial goals across various sectors with $85,043 in used auto loans and $5,989,870,538 in total loans and leases.

Strong Net Worth

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 $1,210 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

At Citizens Equity First, we understand that financial needs come in many shapes and sizes. Whether you're looking to buy a new car, purchase a home, or manage your day-to-day expenses, we have loan products tailored for you. Our commitment is to help you achieve your financial goals with competitive rates and flexible options. With over 220826 loans issued, we've helped thousands of members achieve their financial goals. If you're considering purchasing a vehicle, our auto loans offer some of the lowest rates in the industry. We have already disbursed over $1,509,535,444 in used vehicle loans and $713,341,413 in new vehicle loans to help 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 also provide refinancing options if you're looking to lower your monthly payments or adjust your loan terms. For those managing everyday expenses or unexpected costs, we offer flexible terms on unsecured credit card loans. With a total of $142,483,010 in unsecured credit card loans available, members can navigate their finances effectively without feeling overwhelmed. If you're a business owner looking for funding to grow and expand your operations, our outstanding commercial loans totaling $684,214,774 provide the capital needed to move forward confidently. Our branch is conveniently located at 180 Admiral Trost Rd Columbia IL 62236, and we invite you to reach out to us at (618) 281-6500 for any questions regarding eligibility or the application process. You can explore more about our offerings by visiting our website. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Citizens Equity First be your partner in achieving financial success!

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