Citizens Equity First Credit Union Edwardsville IL | Best Auto Loans & Business Banking

Introduction

At Citizens Equity First, we believe in building strong financial foundations for our community. Nestled at 1254 University Dr, Edwardsville, IL 62025, our Edwardsville Member Center has been serving members since 1937. With a commitment to providing exceptional services, we proudly support over 402,000 members and manage a robust portfolio of assets totaling an impressive $7,768,682,749. Our dedicated team of 1,022 employees, led by CEO Matthew Mamer and Board President Joseph Needham, is here to ensure you receive personalized service tailored to your unique needs. Whether you're looking for auto loans, mortgage options, or simply want to open a checking account, we have the solutions that empower you to reach your financial goals. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 1254 University Dr, Edwardsville, IL 62025. With total deposits reaching $357,663,736 and a net worth of $941,559,727, you can trust that your money is in safe hands. We take pride in not just being a financial institution but also a vital part of the Edwardsville community. Our services extend beyond just banking; we strive to make a positive impact through various outreach programs and initiatives designed to uplift those around us. Are you ready to experience banking with heart? Feel free to call us at 618-659-9945 or visit our website at cefcu.com to learn more about how we can assist you today!

Branch History & Mission

Community Commitment

Our roots in the Edwardsville community run deep. We actively engage in partnerships and outreach efforts that promote economic development and improve the quality of life for residents. By supporting local events and initiatives, we demonstrate our commitment to giving back and fostering a vibrant community. As we move forward into the future, we embrace technological advancements that enhance accessibility and efficiency while remaining compliant with ADA standards. Our online banking platform allows members to manage accounts easily from anywhere while ensuring security.

Join Us Today!

We invite you to become part of the Citizens Equity First family. Experience firsthand how our personalized approach can make a difference in your financial journey. For inquiries or assistance, please contact us at 618-659-9945 or visit us during our operating hours Monday through Friday from 9:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m. While members can visit us at 1254 University Dr Edwardsville Il 62025, official correspondence should be sent to 1254 University Dr, Edwardsville, IL 62025. Join us today and discover the benefits of being part of a credit union that truly cares!

Our Mission

At Citizens Equity First, our mission is clear: to offer quality financial services while supporting the community we serve. We believe in building lasting relationships with our members and prioritizing their needs. This philosophy drives us to provide competitive rates and comprehensive services that enhance our members' lives. We are not just about numbers; we are about people. Our dedicated team works diligently to ensure that every member feels valued and supported. Whether you're looking for help with budgeting or seeking advice on loans, we are here for you every step of the way.

Branch Location & Accessibility

Easy Access and Amenities

When you visit us, you'll find ample parking available right at the entrance, making it easy for you to stop by. Our location is fully ADA compliant, ensuring that everyone can access our services comfortably. Whether you're coming in for a quick transaction or a more in-depth consultation, we want your experience to be smooth and enjoyable.

Join Us Today!

If you're looking for a financial partner that prioritizes accessibility and service excellence, come visit us at Citizens Equity First in Edwardsville! Feel free to give us a call at 618-659-9945 if you have any questions or need further information about how we can assist you. We look forward to welcoming you soon!

Operating Hours That Fit Your Schedule

We know life can get busy! That's why we're open Monday through Friday from 9:00 a.m. to 5:00 p.m., and on Saturdays from 9:00 a.m. to 12:00 p.m. Whether you're managing your finances during the week or handling weekend errands, we're here when you need us.

Services Designed for You

At Citizens Equity First, we offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our drive-thru service adds an extra layer of convenience for deposits and withdrawals without leaving your vehicle. Plus, with ATM access available on-site, you can quickly withdraw cash or check your balance whenever necessary. While members can visit us at 1254 University Dr Edwardsville Il 62025, official correspondence should be sent to our mailing address at 1254 University Dr, Suite 100, Edwardsville, IL 62025.

Member Eligibility

Becoming a member of Citizens Equity First is like joining a family where your financial well-being is our top priority. If you live, work, or go to school in the areas we serve, you may be eligible to join us! We welcome individuals who want to take charge of their finances and enjoy the benefits that come with being part of our community. At Citizens Equity First, we offer a range of services from personal banking to loans that cater to your unique needs, ensuring you're supported every step of the way. To learn more about the specific eligibility criteria, feel free to check out our detailed guide at https://www.cefcu.com/personal/learn/membership-benefits.html. Opening an account is straightforward too; just visit us online at https://www.cefcu.com/apply-for-a-loan.html or give us a call at (618) 659-9945 if you have any questions. We're excited for you to become part of our community here at Citizens Equity First, located at 1254 University Dr Edwardsville Il 62025!

Business Banking & Commercial Services

At Citizens Equity First, we understand that as a business owner, your focus is on growth and success. Whether you're launching a new venture or expanding an established one, having the right financial partner is crucial. Our commercial loan options are designed to support you every step of the way. Imagine turning your innovative ideas into reality with the help of our tailored financing solutions. We've funded over $1,879 in commercial loans for our members, helping businesses scale and succeed. This investment reflects our dedication to fostering local enterprises and driving economic progress. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - 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. In addition to loans, we offer practical merchant services that simplify transactions for your business. Imagine having the tools you need to manage payments efficiently, allowing you to focus more on what you do best serving your customers. Located at 1254 University Dr Edwardsville Il 62025 in Edwardsville, IL, we're here to help your business thrive. Reach out to us today at (618) 659-9945 or visit us online at https://www.cefcu.com to learn more about how we can support your journey!

Comprehensive List Of Services

Business Banking Made Easy

For entrepreneurs and business owners, we offer comprehensive business banking services, including merchant services and business loans. You can focus on growing your business while we handle the financial aspects that support your success.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've invested in top-notch online and mobile banking features. Check balances, transfer funds, or deposit checks from the comfort of your home or on the go using our intuitive mobile application. We also provide access to ATMs for quick cash withdrawals and simple transactions through our drive-thru service. Our branch operates Monday through Friday from 9:00 a.m. to 5:00 p.m., with Saturday hours from 9:00 a.m. to 12:00 p.m., ensuring that you have plenty of time to take care of your banking needs.

Get Started Today!

Ready to explore all the services available at Citizens Equity First? Call us at 618-659-9945 or visit our website at cefcu.com for more information. Join our community today and let us support you on your journey toward financial success!

Personal Banking Solutions

For those who need reliable banking options, we offer checking and savings accounts that are designed to help you manage your money effectively. Imagine having easy access to your funds whenever you need them, whether it's for everyday expenses or saving for a special occasion. If you're considering purchasing a new vehicle, our auto loans and vehicle financing can make that dream a reality. We understand how important reliable transportation is, and we're here to help you secure the best rates possible. In addition, if you're thinking about buying a home or refinancing your current mortgage, our mortgage loans provide flexible options to fit your lifestyle.

Support for Your Financial Goals

Life can bring unexpected challenges. Our personal loans and debt consolidation services are designed to provide relief when you need it most. Whether it's covering an emergency expense or simplifying multiple debts into one manageable payment, we've got solutions to help ease your financial stress. Don't forget about building your credit! Our credit cards with rewards not only assist in establishing a solid credit history but also offer perks that can benefit you in everyday purchases.

Digital & Online Banking

Accessibility and Security

While convenience is key, we prioritize security too. Our robust online banking services ensure that your personal information is protected with advanced security measures. Whether you're transferring money or checking your account balance, you can feel confident that your data is safe. Although person-to-person transfers aren't available right now, we're constantly looking for ways to enhance our services. At Citizens Equity First, we're committed to making sure that managing your money is accessible, straightforward, and secure. Explore all these features today by visiting https://www.cefcu.com/ your digital banking experience awaits!

Key Features

For those who prefer mobile banking, our convenient mobile application allows you to check balances and make transactions directly from your smartphone. Plus, with our mobile payments feature, paying for everyday purchases has never been easier simply tap and go! You can also stay organized with e-statements, which are available at no additional cost. This way, you can keep track of your financial history without the clutter of paper statements. And if you ever need to sign documents quickly, our electronic signature authorization lets you do so securely and efficiently.

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 maintaining a strong financial foundation that allows us to serve you better. 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. We also have $927,309,606 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options to serve our members better. With $85,043 in used auto loans and an impressive $5,989,870,538 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our financial performance reflects our operational efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We 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 dedicated to your needs. Net Shares available for lending and investments amount to $8,426,764. Furthermore, the total number of share accounts stands at 776,575, showcasing 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 1254 University Dr Edwardsville Il 62025 or call 618-659-9945 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.

Loan Offering

At Citizens Equity First, we understand that every financial journey is unique. Whether you're looking to purchase a new vehicle, buy a home, or manage your finances with a credit card, we have tailored loan products to meet your needs. Located at 1254 University Dr, Edwardsville, IL 62025, our branch is dedicated to supporting members in achieving their financial goals. With over 220826 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular; if you're looking to buy a new car, our options come with some of the lowest rates in the industry. We've 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 make buying or refinancing straightforward. We offer Junior Lien 1-4 Family Residential Property loans totaling $180,125,149. This means you can find the right financing solution for your dream home without unnecessary stress. For business owners seeking growth opportunities, our outstanding commercial loans amounting to $684,214,774 provide the capital needed to expand your ventures. We also offer flexible terms on unsecured credit card loans; currently totaling $142,483,010, these loans can help members manage their finances more effectively. If you're interested in exploring refinancing options or checking eligibility for any of our loan products, feel free to reach out to us at 6186599945. We're here to assist you during our operating hours: Monday through Friday from 9:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial well-being matters to us at Citizens Equity First; let us help you navigate your borrowing options today!

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