Citizens Equity First Credit Union Germantown Hills IL | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Citizens Equity First, your trusted financial partner in the heart of Germantown Hills! Located at 510 Jubilee Ln, Germantown Hills, IL 61548, our member center has been serving the community since 1937. With a strong commitment to helping you achieve your financial goals, we proudly support over 402,000 members and boast total assets of an impressive $7,768,682,749. At Citizens Equity First, we believe in building lasting relationships with our members. Our dedicated team of 1,022 employees, led by CEO Matthew Mamer and Board President Joseph Needham, is here to provide personalized service that meets your needs. Whether you're looking for personal banking solutions like checking accounts or auto loans, or business banking services including merchant services and business loans, we have you covered. Our branch offers a range of convenient services designed to make banking easier for you. From online and mobile banking options to ATM access and drive-thru services, we prioritize your convenience. Our members can rest assured knowing their deposits are secure, with total deposits amounting to $357,663,736 and a net worth of $941,559,727. While you can visit us at our branch for all your banking needs, if you need to send official correspondence, please address it to our mailing address: 510 Jubilee Ln, Germantown Hills, IL 61548-8449. Join us in experiencing what makes Citizens Equity First more than just a credit union it's a community where your financial well-being is our priority. For any inquiries or assistance, feel free to give us a call at 309-633-7811 or explore more about our services on our website here. We look forward to welcoming you!

Branch History & Mission

Welcome to Citizens Equity First, where our rich legacy and commitment to the community have shaped who we are today. Established in 1937, our Germantown Hills Member Center has been a cornerstone of financial support for residents in Germantown Hills, IL. Located at 510 Jubilee Ln, our branch is easily accessible and just a stone's throw away from local landmarks that connect us with the heart of the community. Over the decades, we have grown alongside our members, evolving from a small credit union into an institution with over 402,000 members and total assets exceeding $7.7 billion. This growth reflects not only our dedication to providing excellent financial services but also our focus on building lasting relationships within our community. At Citizens Equity First, we believe in empowering individuals through responsible banking practices. Our mission is clear: to provide exceptional financial solutions while fostering an environment of trust and support. We offer a wide range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking options. Our goal is to help each member achieve their financial dreams while ensuring their needs are met with personalized service. We take pride in our customer-centric approach. With convenient operating hours Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday until 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. we strive to be available when you need us most. Additionally, our drive-thru banking and ATM facilities ensure that essential services are always at your fingertips. Our commitment extends beyond just providing services; it includes being an active participant in community outreach efforts. We engage in various initiatives designed to uplift and support those around us, reinforcing the idea that together we can make a difference. For any official correspondence, please note that while members can visit us at 510 Jubilee Ln Germantown Hills Il 61548, all mail should be directed to 510 Jubilee Ln, Germantown Hills, IL 61548-8449. As we look toward the future, we invite you to join us on this journey. Experience the benefits of membership with Citizens Equity First where your financial well-being is our priority. Together, let's build a brighter tomorrow! For more information or to get started with your membership today, call us at (309) 633-7811 or visit our website at Citizens Equity First.

Branch Location & Accessibility

Connect With Us

If you're looking for financial solutions tailored to your needs or have questions about our services, don't hesitate to reach out! You can call us at 309-633-7811 or simply drop by our Germantown Hills Member Center. We look forward to serving you and helping you achieve your financial goals!

Nearby Landmarks and Accessibility

Situated near several local landmarks, including the scenic Jubilee Park, our branch is not only easy to find but also accessible for everyone. We prioritize convenience and accessibility with features such as ADA-compliant entryways and ramps. Plus, there's ample parking available to ensure your visit is hassle-free.

Operating Hours and Services Offered

Our team is here to assist you during the following 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. We understand that your time is valuable, so whether you're coming in for personal banking services like checking and savings accounts, auto loans, or even mortgage refinancing, we're committed to providing efficient service. For added convenience, we offer drive-thru banking so you can quickly complete simple transactions without having to leave your car. Additionally, our ATM services are readily available for quick withdrawals and balance checks whenever you need them.

Member Eligibility

At Citizens Equity First, we believe that becoming a member is about joining a community that cares for your financial well-being. If you're looking to become part of our family, it's easier than you might think! We welcome individuals who live or work in the areas we serve, as well as those who have family members already with us. This means that whether you're starting your first job, looking to save for a future goal, or wanting to finance a vehicle, you can find a supportive home here at our Germantown Hills branch located at 510 Jubilee Ln Germantown Hills Il 61548. To ensure you have all the details you need, feel free to check out our eligibility criteria at this link. It's packed with information to help guide you through the process. If you're ready to take the next step and open an account, it's just as simple! You can find everything you need about getting started on our website here. If you have any questions or need assistance, don't hesitate to give us a call at (309) 633-7811. We're excited to help you on your journey to financial success!

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 process payments seamlessly while focusing on what you do best running your business. Our merchant services offer practical solutions that simplify transactions and enhance customer satisfaction. From credit card processing to online payment options, we ensure you have the tools necessary to keep your business moving forward. Located at 510 Jubilee Ln Germantown Hills Il 61548 in Germantown Hills, IL, we're here to partner with you every step of the way. Reach out today and discover how we can help your business grow!

Comprehensive List Of Services

A Commitment to Accessibility

At Citizens Equity First, we prioritize making banking accessible for everyone. With lobby hours from Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday until 6:00 p.m., and Saturday drive-thru hours until 1:00 p.m., we're here when you need us most.

ATM & Cash Withdrawal Services

We know that quick access to cash is important. That's why we offer extensive ATM services for withdrawals and balance checks without the hassle. If you prefer face-to-face interaction, our drive-thru banking allows you to handle deposits and withdrawals efficiently.

Business Banking Services

For entrepreneurs and business owners in the community, we understand that every dollar counts. That's why we provide comprehensive business banking services, including merchant services that streamline payment processes and business loans tailored to help you expand or enhance your operations.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust online and mobile banking platforms allow you to manage your accounts anytime and anywhere. Whether you want to check your balance, transfer funds, or pay bills on-the-go, our digital banking features make it easy for you.

Join Us Today!

Explore the many ways Citizens Equity First can support your financial goals. If you're ready to take the next step towards securing your financial future or have any questions about our services, don't hesitate to reach out! Call us at 309-633-7811 or visit us at our Germantown Hills location today! Discover how easy it can be to achieve your financial dreams with us by your side!

Personal Banking Solutions

When it comes to personal banking, we offer various options to help you manage your finances effectively. Our checking and savings accounts are designed with your everyday needs in mind. Imagine easily accessing your funds while enjoying competitive interest rates that help your savings grow. For those considering larger purchases, such as a car or home, our auto loans and mortgage refinancing services provide flexible terms that fit your budget. If you're facing unexpected expenses or planning for a major purchase, our personal loans and debt consolidation options can be lifesavers. Additionally, we offer credit cards with rewards, making everyday purchases even more beneficial for our members.

Digital & Online Banking

Key Features

Our mobile application enhances your banking experience on the go. Whether you're making mobile payments or checking your account balance while out and about, our app is user-friendly and packed with features that keep you connected to your finances. You can also take advantage of person-to-person transfers to send money quickly to friends and family right from your phone though note that this feature isn't available at the moment. Security is a top priority for us at Citizens Equity First. We ensure that all transactions are protected with advanced security measures so that you can bank with peace of mind. We also offer e-statements, helping you keep track of your financial activity without the hassle of paper clutter. With easy accessibility and real-time account management, our digital banking services empower you to handle your finances whenever it suits you best. Join us at Citizens Equity First today and discover how easy banking can be!

Financial Strength

Growing Member Base

The trust of our community is evident as we manage a robust portfolio with $8,426,764 in net shares and 776,575 total share accounts. This shows a strong and growing member base that entrusts 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 510 Jubilee Ln Germantown Hills IL 61548 or call 309-633-7811 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are our priority. Members' funds 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 focus on our members' needs. With non-member deposits at $457,598, our resources are concentrated on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We proudly employ 1,016 full-time employees and 6 part-time employees, ensuring that our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Improvement

With $927,309,606 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This commitment allows us to support diverse financial goals with $85,043 in used auto loans and a remarkable $5,989,870,538 in total loans and leases available for our members.

Strong 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

Additional Services

For those seeking financial growth through business ventures, our outstanding commercial loans totaling $684,214,774 provide the capital necessary for expansion and success. If you're interested in any of these loan products or would like to learn more about refinancing options or eligibility requirements, please feel free to reach out. You can contact us at 309-633-7811 or visit us at 510 Jubilee Ln Germantown Hills IL 61548. 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 our loan offerings today and take the first step toward realizing your financial dreams!

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 interested in financing a brand-new model or a reliable pre-owned vehicle, we've got options that fit your budget and lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $180,125,149, ensuring you have the support needed for one of life's biggest investments. Whether you are a first-time buyer or looking to refinance an existing mortgage, we offer flexible terms and competitive rates.

Unsecured Credit Card Loans

Managing daily expenses can be challenging. We also offer flexible terms on unsecured credit card loans with a total of $142,483,010 in loans helping members effectively manage their finances. With our credit card options featuring no annual fees and rewards programs, you'll have the purchasing power you need without added stress.

Loan Aggregator

Ensuring Accurate 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 commitment ensures that all offers displayed are fair and transparent.

Key Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions, guaranteeing transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect current market conditions. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping you make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of the tool in securing better financial options. Ready to explore your options? 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.*