Citizens Equity First Credit Union Decatur IL | Affordable Vehicle Loans & Mobile Banking

Introduction

Welcome to Citizens Equity First, your trusted partner in financial success located at 3301 N Woodford St, Decatur, IL 62526. Since opening our doors in 1937, we've been committed to empowering our members with exceptional financial services and community-focused initiatives. With a membership base of over 402,409 individuals, we pride ourselves on being a vital part of the Decatur community. At Citizens Equity First, we understand that banking is not just about transactions; it's about building relationships. Our total assets stand at an impressive $7,768,682,749, allowing us to provide robust loan options and personalized financial solutions tailored to your needs. We currently manage total deposits of $357,663,736, ensuring your funds are secure and accessible whenever you need them. Led by our dedicated CEO, Matthew Mamer, and Board President, Joseph Needham, we strive to create a welcoming environment for all our members. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or business banking services, we're here for you. While members can visit us at our branch location in Decatur, official correspondence should be sent to the same address. Our friendly staff is available Monday through Friday from 9:00 a.m. to 5:00 p.m. and Saturdays from 9:00 a.m. to Noon to assist you with all your banking needs. Join us today at www.cefcu.com or give us a call at 217-875-1177 to learn more about how we can help you achieve your financial goals!

Branch History & Mission

Commitment to Accessibility

As we move forward into the future, we embrace digital advancements while ensuring our services remain accessible for everyone. Our branch features ADA-compliant facilities, and we offer an array of online and mobile banking options for added convenience. With an ATM on-site and drive-thru banking available during operating hours Monday through Friday from 9:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to Noon we strive to meet your banking needs efficiently. While members can visit us at 3301 N Woodford St, official correspondence should be sent to 3301 N Woodford St, Decatur, IL 62526-2837.

Join Us Today!

As we look ahead, we invite you to be part of our story. Experience firsthand the benefits of membership with Citizens Equity First. Whether you're looking for personal banking options or business services, we're here for you every step of the way. Visit us today or call us at 217-875-1177 to learn more about how we can help you reach your financial aspirations!

Our Mission

At Citizens Equity First, our mission is simple yet profound: to empower our members through accessible financial services while fostering strong community ties. We believe in providing personalized banking solutions that cater to your needs be it checking and savings accounts, auto loans, or mortgage financing. Our focus extends beyond transactions; we aim to support you in achieving your financial goals and dreams. We are proud of our dedication to community outreach and involvement. Over the years, we've partnered with local organizations to promote financial literacy and provide assistance where it's needed most. Whether through workshops or charitable initiatives, our goal remains consistent: making a positive impact in Decatur and beyond.

Branch Location & Accessibility

Welcome to the Citizens Equity First branch, conveniently located at 3301 N Woodford St in Decatur, IL! Our Decatur Member Center is here to serve you with a range of financial services tailored to meet your needs. Whether you're just stopping by or have planned your visit, our location makes it easy for you to access everything from personal banking to vehicle financing. Located in the heart of Macon County, our branch is near popular local spots that residents know well. Just a stone's throw away from parks and shops, you'll find our facility easily accessible. Parking is available right outside, ensuring that you can pop in without any hassle. Plus, we've made sure our branch is compliant with ADA standards, making it welcoming for everyone. Our friendly staff is here Monday through Friday from 9:00 a.m. to 5:00 p.m., and on Saturdays, we open up our drive-thru service from 9:00 a.m. until noon. This means you can swing by during your lunch break or on weekends whenever it's convenient for you! You'll also be pleased to know that we have an ATM available, making cash withdrawals and balance checks straightforward and efficient. If you prefer the ease of banking from your car, take advantage of our drive-thru services for quick deposits and withdrawals. While members can visit us at 3301 N Woodford St for all their banking needs, official correspondence should be sent to the same address as our mailing address remains unchanged. So why wait? Whether you're looking to open an account or need assistance with loans and credit cards, call us at 217-875-1177 or visit us today! We look forward to helping you achieve your financial goals at Citizens Equity First!

Member Eligibility

At Citizens Equity First, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you live, work, or worship in certain areas of Illinois, you're likely eligible to join us. We embrace individuals from diverse backgrounds and lifestyles, which means there's a good chance you fit right in! To get all the details about eligibility criteria, feel free to visit our resource page at this link. Once you're ready to take the next step, opening an account with us is just as straightforward. You can find all the information you need for account opening here. We're excited to offer you services that can help improve your financial well-being, including checking and savings accounts, loans, and more. If you have any questions or need assistance, don't hesitate to reach out at (217) 875-1177. We're located at 3301 N Woodford St, Decatur, IL 62526, and we can't wait to welcome you into our family!

Business Banking & Commercial Services

Business 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.

Merchant Services

Imagine being able to accept payments easily, manage cash flow efficiently, and offer your customers a seamless checkout experience. Our merchant services allow you to do just that making it easier for you to focus on what matters most: running your business. From credit card processing to online payment solutions, we equip you with the tools needed to grow and serve your customers better. Visit us at 3301 N Woodford St, Decatur, IL 62526 or call us at 217-875-1177 to learn more about how we can support your business goals!

Comprehensive List Of Services

Additional Services

We also provide basic drive-thru banking for deposits, withdrawals, and simple transactions. This allows you to complete necessary banking tasks quickly without leaving your car. Our ATMs offer straightforward access for withdrawals and balance checks as well. If you're ready to explore these services further or have any questions, don't hesitate to reach out! You can contact us at (217) 875-1177 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. to noon. At Citizens Equity First, we're here to support you in all your financial endeavors. Join us today by visiting our website at https://www.cefcu.com/ or stopping by our branch! Your journey towards financial wellness starts here!

Business Banking

For our business members, we offer comprehensive solutions including merchant services and business loans. We know that running a business requires flexibility and support, so our services are designed to help you thrive.

Credit Options

Don't forget about our credit cards with rewards, perfect for those who want to earn while they spend! Enjoy cashback offers or travel points with every purchase it's like getting paid for shopping!

Digital Banking

In today's fast-paced world, convenience is key. That's why online and mobile banking features are available at your fingertips. You can manage your accounts, transfer funds, and pay bills from anywhere whether you're at home or on the go. Plus, our ATM and cash withdrawal services provide easy access to your money whenever you need it.

Personal Banking

Starting with personal banking, we offer various checking and savings accounts to fit your lifestyle. Whether you're saving for a vacation or managing daily expenses, we have options that make it easy to keep track of your finances. If you're in the market for a new vehicle, our auto loans and vehicle financing can help you get behind the wheel without breaking the bank. Imagine cruising down the highway in your new car, knowing you secured a great rate! When it comes to securing your dream home, our mortgage loans and refinancing options are tailored for both first-time buyers and seasoned homeowners looking to save on their current mortgage. We understand that life can throw unexpected expenses your way; that's why we provide personal loans and debt consolidation solutions to give you peace of mind.

Digital & Online Banking

Additional Benefits

For those who love the convenience of modern payment methods, our mobile payments feature allows you to make purchases quickly and securely using your smartphone. While we currently do not offer person-to-person transfers, we're always looking for ways to enhance your banking experience. In today's fast-paced world, having reliable access to your financial information is crucial. With the digital banking services provided by Citizens Equity First, you can enjoy real-time account management right when you need it most. So why wait? Explore everything we have to offer by visiting https://www.cefcu.com/ today!

Key Features

With 24/7 online banking services available at https://www.cefcu.com/, you can access your accounts anytime, anywhere. Need to check your balance or transfer funds? It's all just a few clicks away. Plus, our mobile application lets you manage your finances from the palm of your hand, making it simple to stay in control of your money while you're out and about. Security is a top priority for us. Our electronic signature authorization feature ensures that your transactions are safe and secure, giving you peace of mind every time you bank online. You can also choose to receive e-statements, which are not only environmentally friendly but also help you keep track of your account activity without the clutter of paper statements.

Financial Strength

Growing Membership Base

Total Share Accounts stand at 776,575, showcasing a strong and growing member base that trusts us with their finances. Our commitment to serving our community means that you can rely on Citizens Equity First not only today but also as your needs evolve over time. 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 3301 N Woodford St Decatur Il 62526 or call 217-875-1177 to learn more about how we can help you achieve your financial goals.

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. 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 current net income reflects our operational efficiency. This allows 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.

Reinvestment for Future Growth

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 your financial goals across various sectors with $85,043 in used auto loans and a total of $5,989,870,538 in loans and leases available for our community.

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. 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

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 have flexible financing options to fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $684,214,774 provide the capital needed to grow and expand your operations. We understand the unique challenges businesses face and are here to support your journey.

Mortgage Options

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 guide you through the process so you can feel confident in your investment.

Refinancing and Eligibility

If you're considering refinancing options or want to know if you're eligible for any of our loan products, feel free to reach out. We're here to answer your questions and help you navigate your options. You can contact us at 217-875-1177 or visit us at 3301 N Woodford St Decatur IL 62526. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how our tailored loan solutions can work for you today!

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. This option allows you to make purchases while giving you the freedom to pay them off over time.

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 ensures that users receive fair and transparent offers. Each listing is meticulously verified to maintain the highest accuracy in loan comparisons.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, guaranteeing transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that users can trust. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, empowering them to 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 testament reflects the effectiveness and reliability of the tool. 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.*