Citizens Equity First Credit Union Eureka IL | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Citizens Equity First, your trusted partner in financial well-being located at 514 W Center St, Eureka, IL 61530. Since our establishment in 1937, we have dedicated ourselves to fostering a strong sense of community and delivering exceptional financial services to our members. With a robust membership base of over 402,409 individuals, we pride ourselves on being more than just a credit union; we are a vital part of the Eureka community. At Citizens Equity First, we're not just about numbers though our impressive assets of over $7.76 billion and total deposits exceeding $357 million certainly reflect our stability and reliability. Our team is committed to offering diverse financial products tailored to meet your needs, including personal banking options, auto loans, mortgages, and business banking services. We understand that each member's journey is unique, which is why we strive to provide personalized solutions that empower you financially. Our leadership team, headed by CEO Matthew Mamer and Board President Joseph Needham, embodies our commitment to integrity and service excellence. With a dedicated staff of 1,022 employees, we are here to support you every step of the way. You can reach us at (309) 467-3640 during our convenient hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. While members can visit us at our branch for assistance or inquiries, all official correspondence should be directed to the same address: 514 W Center St, Eureka, IL 61530. Explore the array of services we offer by visiting our website at cefcu.com or stop by today to see how we can help you achieve your financial goals. Your future starts here!

Branch History & Mission

Community Impact

Our impact goes beyond numbers; it resonates within the lives of those in Eureka and surrounding areas. Through partnerships with local organizations and initiatives aimed at giving back, we actively contribute to community growth. We believe that when our community thrives, so do we. While members can visit us at our branch location on Center Street, official correspondence should be sent to the same address for convenience. Our dedicated team is here during regular hours Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. to assist you with any inquiries or services you may need. We invite you to join us at Citizens Equity First and experience firsthand the benefits of being a member of our credit union family. Together, let's work towards your financial goals while strengthening our community! If you're ready to take the next step toward better banking solutions, visit our website today or call us at 309-467-3640 for more information.

Our Mission

At Citizens Equity First, we believe that financial wellness is within everyone's reach. Our mission is not just about providing loans or accounts; it's about building lasting relationships with our members. We strive to create a welcoming environment where everyone feels valued and understood. By fostering community connections and engaging in outreach efforts, we aim to uplift those around us. In addition to traditional banking services, we embrace digital advancements that make banking more convenient for you. Whether through online banking or mobile payments, we prioritize your experience. We also ensure ADA compliance so that all members can access our services comfortably.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility and ensure that everyone can enjoy our services. Our branch is ADA compliant, featuring ramps and spacious entryways. Parking is readily available nearby, so you won't have to worry about finding a spot when you visit us.

Operating Hours

At Citizens Equity First, we understand that your time is valuable. That's why we offer flexible operating hours to serve you better. Our lobby is open Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. Whether you need help during the week or on the weekend, we're here for you!

Services Offered

Our branch offers a wide range of personal banking services designed to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered! We also provide credit cards with rewards and online/mobile banking options for added convenience. While we do not have drive-thru service at this location, we do have an ATM available for quick cash withdrawals and balance checks.

Visit Us Today!

We invite you to come by the Eureka Member Center and experience friendly service tailored just for you. If you have any questions or would like more information, feel free to give us a call at 309-467-3640. We look forward to welcoming you into our community!

Member Eligibility

At Citizens Equity First, we believe that everyone deserves the opportunity to be part of a welcoming community. Becoming a member is simple and opens the door to a variety of benefits designed just for you. If you live, work, or go to school in certain areas, or if you have family members who are already part of our credit union, you're likely eligible to join us! Plus, being a member means access to great financial products and services tailored to your needs. To learn more about the specific eligibility criteria, feel free to check out our detailed information at https://www.cefcu.com/personal/learn/membership-benefits.html. If you're ready to take the next step towards membership or have questions about opening an account, don't hesitate to reach out to us at (309) 467-3640 or visit us at our branch located at 514 W Center St Eureka Il 61530. We can't wait to welcome you into the Citizens Equity First 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

In addition to our loan offerings, our merchant services provide practical tools for everyday transactions. Imagine processing payments quickly and efficiently, allowing you to focus on what you do best running your business. Our services help streamline your payment processes and enhance customer satisfaction. Visit us at 514 W Center St Eureka Il 61530 or call us at (309) 467-3640 to discover how our business banking and commercial services can empower your enterprise today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new car, our auto loans and vehicle financing options make it easy to hit the road without breaking the bank. We offer competitive rates and flexible terms, ensuring you can find a payment plan that fits your budget. Picture yourself driving off in your dream car while enjoying peace of mind knowing you've made a smart financial choice.

Business Banking Solutions

For our business members, we provide comprehensive business banking services, including merchant services and business loans. We understand how vital it is to have reliable financial support when running a business, which is why we're committed to helping entrepreneurs thrive.

Credit Cards with Rewards

For those who love earning rewards while spending, our credit cards with rewards offer great benefits on everyday purchases. Enjoy cash back or points that can be redeemed for travel, merchandise, or gift cards making each transaction feel like a win!

Mortgage Loans & Refinancing

Homeownership is an important milestone for many families. Our mortgage loans and refinancing services are designed to help you secure the home of your dreams or reduce your monthly payments on an existing mortgage. With our friendly experts guiding you through the process, buying or refinancing a home can be a straightforward experience.

Online & Mobile Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms so you can manage your accounts anytime, anywhere. Need to withdraw cash? Our ATM services are readily available for quick access to your funds. At Citizens Equity First, we are more than just a credit union; we are your partner in achieving financial success. If you're ready to explore our full range of services or have any questions, feel free to reach out at 309-467-3640 or visit us online at cefcu.com. Join us today and experience the difference!

Personal Banking Solutions

We understand that every member has unique financial goals. That's why we offer a variety of personal banking options including checking and savings accounts tailored for ease and accessibility. Imagine having your funds readily available with user-friendly online and mobile banking features that allow you to check balances or transfer money right from your smartphone.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our personal loans and debt consolidation options provide the flexibility you need to manage those costs effectively. Whether it's funding a special project or consolidating high-interest debts into one manageable payment, we're here to help simplify your financial life.

Digital & Online Banking

Key Features of Our Online Banking

Accessing your accounts is as easy as visiting https://www.cefcu.com/. Here, you can check your balances, pay bills, and transfer money all from the comfort of your home or on the go. Our 24/7 online banking service ensures that you have access to your financial information whenever you need it. Security is a top priority for us at Citizens Equity First. We offer electronic signature authorization, allowing you to sign documents safely and conveniently online. Plus, our e-statements feature means you can view your statements electronically, saving paper and making it easy to keep track of your finances.

Stay Connected with Mobile Banking

Our mobile application makes banking even more convenient. With the ability to make mobile payments, managing your spending has never been easier. Whether you're grabbing coffee or shopping for groceries, you can make quick transactions right from your phone. And if you need to send money to a friend or family member, our person-to-person transfer option provides a hassle-free way to do so though please note this feature isn't available at this time. In today's fast-paced world, having real-time access to your accounts is essential. At Citizens Equity First, we provide all the tools you need for easy account management without compromising security. Join us today and experience the convenience of modern banking!

Financial Strength

Growing Member Base

We have a robust member community with a total of 776,575 share accounts, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $8,426,764. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Citizens Equity First is your trusted partner. Visit us at 514 W Center St Eureka IL 61530 or call (309) 467-3640 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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 $0 net income reflects our commitment to operational efficiency. This 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.

Reinvesting for the Future

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

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. Whether you're eyeing a brand-new model or a reliable used car, our financing options make it easy to hit the road without breaking the bank.

Credit Lines and Business Loans

For those interested in credit lines or business expansion opportunities, we provide credit line loans totaling $2,762,497,585 and outstanding commercial loans amounting to $684,214,774. These options are perfect for business owners looking to invest in growth and innovation.

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 strive to guide you through every step of the process, ensuring that you find a solution that meets your unique needs.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our products, we're here to help. Our team will assist you in finding the best rates and terms that suit your financial situation. Our branch is conveniently located at 514 W Center St Eureka Il 61530, and our friendly staff is ready to assist you with any questions about our loan offerings. You can reach us at 309-467-3640 during our operating hours: Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 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. Explore how Citizens Equity First can support your financial journey 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. Our credit cards come with no annual fees and competitive interest rates to help you make purchases while keeping your budget intact.

Loan Aggregator

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