Citizens Equity First Credit Union Godfrey IL | Low Mortgage Rates & Business Banking

Introduction

Welcome to Citizens Equity First, your trusted financial partner located at 2810 Godfrey Rd, Godfrey, IL 62035. Established in 1937, we have been dedicated to serving our community for over 85 years, ensuring that our members receive the best banking experience possible. With a robust membership of 402,409 and total assets amounting to an impressive $7,768,682,749, we take pride in offering a wide array of services tailored to meet your financial needs. At Citizens Equity First, our commitment goes beyond just numbers. We understand that every dollar matters to you. That's why we've managed to maintain total deposits of $357,663,736 and offer various loan options totaling 220,826. Whether you're looking for a personal loan or financing for your next vehicle, our experienced team is here to guide you through every step. Our leadership team, led by CEO Matthew Mamer and Board President Joseph Needham, strives to create a welcoming environment where you feel valued and supported. With 1,022 dedicated employees, we are ready to assist you during our operating hours from Monday through Friday between 9:00 a.m. and 5:00 p.m., and Saturdays from 9:00 a.m. until noon. While members can visit us at our branch for personalized service and support, official correspondence should be sent to the same address. For any questions or assistance, don't hesitate to call us at (618) 466-0652. Join us in making a difference in our community your financial journey starts here at Citizens Equity First! Visit our website at cefcu.com today for more information on how we can help you achieve your financial goals.

Branch History & Mission

Citizens Equity First, located in the heart of Godfrey, Illinois, has been a trusted partner in the community since it first opened its doors in 1937. With a rich history spanning over eight decades, our branch has evolved to meet the changing needs of our members while staying true to our core values of service and support. At our Godfrey Member Center, situated at 2810 Godfrey Rd, we pride ourselves on being more than just a financial institution. We are part of this vibrant community, dedicated to helping individuals and families achieve their financial goals. Over the years, we've grown significantly and now proudly serve over 402,000 members with total assets exceeding $7.7 billion. Our commitment to providing excellent service is reflected in 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. making it easy for you to access the services you need. Our mission is straightforward yet impactful: to empower our members through accessible financial services while fostering a spirit of community support. We offer a variety of products including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Whether you're looking to buy your first car or plan for retirement, we are here to guide you every step of the way. As we look back on our journey, we celebrate not only our growth but also our partnerships within the community. From local charities to educational programs, we believe in giving back and making a positive difference in the lives of those around us. In addition to traditional banking services, we have embraced technology to enhance member experience. Our digital offerings include online banking and mobile payments that ensure you can manage your finances anytime and anywhere. Plus, with ADA compliance initiatives in place, we strive to create an inclusive environment for all members. While members can visit us at 2810 Godfrey Rd Godfrey Il 62035, official correspondence should be sent to 2810 Godfrey Rd, Godfrey, IL 62035. We invite anyone interested in joining our family at Citizens Equity First to learn more about membership benefits or start an application process by visiting our website. Join us today and discover how Citizens Equity First can help you reach your financial dreams while contributing positively to our beloved Godfrey community!

Branch Location & Accessibility

Accessibility Features

At Citizens Equity First, we prioritize accessibility for all our members. Our branch complies with ADA standards, ensuring features like ramps and designated parking are available for those who need them. We want every visit to feel welcoming and comfortable.

Conveniently Located Near Local Landmarks

Our branch is conveniently situated near several local landmarks, making it easy to drop by while you're out and about. You'll find us just a short drive from popular spots like the Godfrey Village Park and the local shopping area. Ample parking is available right outside our doors, so you can quickly park and come inside without any hassle.

Let’s Connect!

We invite you to stop by our branch or give us a call at 618-466-0652 if you have any questions or need assistance with your banking needs. At Citizens Equity First, we look forward to serving you in a friendly atmosphere where your financial well-being is our top priority!

Operating Hours that Fit Your Schedule

We understand that life can get busy! That's why our lobby hours are set from Monday through Friday between 9:00 a.m. and 5:00 p.m., allowing you to visit during your lunch break or after work. On Saturdays, our drive-thru service operates from 9:00 a.m. until noon for those quick banking needs.

Services Tailored Just for You

Whether you're interested in checking accounts, auto loans, or even mortgages, Citizens Equity First has got you covered! Our team is ready to assist with everything from basic transactions at our drive-thru to exploring personalized loan options tailored just for you. Plus, enjoy the convenience of ATM access for simple withdrawals and balance checks.

Member Eligibility

Becoming a member of Citizens Equity First feels like joining a welcoming family that genuinely cares about your financial well-being. If you're wondering if you qualify, it's quite simple! Anyone who lives or works in the community is typically eligible to join us. This means that whether you're a long-time resident or just starting out in the area, we would love to have you as part of our community. For the most detailed and up-to-date information about eligibility criteria, feel free to check out our membership benefits page. Joining Citizens Equity First not only opens the door to various financial products and services designed with you in mind but also allows you to be part of a cooperative where your voice matters. The process to open an account is straightforward and can be initiated online or in person at our branch located at 2810 Godfrey Rd Godfrey Il 62035. If you have any questions or need assistance, don't hesitate to call us at (618) 466-0652. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial 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

Beyond loans, we offer comprehensive merchant services designed to simplify transactions and enhance customer experiences. Whether it's accepting card payments at a local retail shop or managing online sales, our tools help businesses operate smoothly and efficiently. This means fewer headaches for business owners and happier customers. At Citizens Equity First, we're more than just a bank we're your partner in growth. Let us help you turn your business vision into reality!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM services allow easy access to your funds with features like balance checks and withdrawals without hassle.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans and Vehicle Financing solutions make it easier than ever. With competitive rates and flexible terms, we can help you find the right financing for your dream vehicle. Picture yourself driving away in that new car, all while staying within your budget.

Business Banking

For our entrepreneurial members, we provide comprehensive Business Banking services, including merchant services and business loans designed to support local businesses in their growth journey. We know how vital small businesses are to our community, and we're committed to helping them thrive.

Credit Cards with Rewards

Enjoy shopping? Our Credit Cards with Rewards offer not only convenience but also valuable perks as you spend. Earn rewards on everyday purchases while managing your expenses responsibly.

Drive-Thru Banking

For quick transactions like deposits and withdrawals, take advantage of our basic drive-thru banking services. We aim to provide efficient service whether you're in a hurry or just prefer not to walk inside. At Citizens Equity First in Godfrey, IL, we're dedicated to making your banking experience smooth and straightforward. If you're ready to explore any of these services or have questions about what we offer, don't hesitate to reach out! You can call us at 618-466-0652, visit us online at cefcu.com, or stop by our branch during 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. We look forward to serving you!

Mortgage Loans & Refinancing

If homeownership is on your horizon or if you're looking to refinance, our Mortgage Loans are here to assist you every step of the way. We offer various mortgage options tailored to fit different budgets and lifestyles. Our experienced team will guide you through the process so you can focus on making your new house a home.

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our Online and Mobile Banking, managing your finances has never been easier. Check balances, transfer funds, pay bills, and deposit checks right from your smartphone or computer anytime, anywhere.

Personal Banking

We understand that everyone has unique banking needs. That's why we offer various Personal Banking options such as checking and savings accounts. These accounts are designed with flexibility in mind, allowing you to easily manage your money while enjoying benefits like competitive interest rates and low fees. Imagine having the peace of mind that comes with knowing your funds are secure yet accessible whenever you need them.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses our way. That's where our Personal Loans come into play. Whether you need funds for a major purchase or wish to consolidate debt into one manageable payment, we can help turn those challenges into opportunities for financial growth.

Digital & Online Banking

Key Features

Our commitment to security means that you can bank confidently. We offer electronic signature authorization to simplify transactions while ensuring that your identity remains protected. You can also opt for e-statements, which not only help you stay organized but are environmentally friendly too. Need to make a quick payment? With our mobile payments feature, you can pay for goods and services right from your smartphone. And if you're always on the go, our mobile application makes it even easier to manage your accounts from the palm of your hand. While person-to-person transfers aren't currently available, our other features ensure that you can handle most of your banking needs seamlessly. Our system is built to provide real-time updates on account activity so you always know where your finances stand. In summary, Citizens Equity First combines accessibility with ease-of-use through its digital and online banking services. We're here to help you take control of your financial life in a secure and straightforward way. Visit us online at https://www.cefcu.com/ to discover more about how we can support you!

Financial Strength

Commitment to Innovation

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 is substantial; we have $85,043 in used auto loans and an impressive $5,989,870,538 in total loans and leases to support members' financial goals across various sectors.

Growing Membership Base

With a total of 776,575 share accounts, it's clear that our member base trusts us with their finances. Our net shares available for lending and investments stand at $8,426,764, further demonstrating our capacity to provide quality service while maintaining robust financial strength. 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 2810 Godfrey Rd Godfrey Il 62035 or call 618-466-0652 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-Centric Savings

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 operations are efficient as reflected by our net income of $0, which 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 and committed team.

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 business owners, our outstanding commercial loans totaling $684214774 provide the capital needed for growth and expansion. Plus, our credit lines totaling $2762497585 offer additional flexibility for managing cash flow. If you're considering refinancing or want to know more about eligibility options for any of these products, don't hesitate to reach out. You can call us at 6184660652 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. We are committed to providing transparent information and helping you choose the best financial solutions tailored just for you. Explore your options today at Citizens Equity First!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already issued over $1509535444 in used vehicle loans and $713341413 in new vehicle loans to help our members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we provide flexible terms and competitive rates that fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $180125149, making buying or refinancing simple. We pride ourselves on offering clear guidance throughout the mortgage process to ensure you feel comfortable and informed.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $142483010 in loans helping members manage their finances effectively, these cards provide an excellent way to handle unexpected expenses or make everyday purchases without the burden of high-interest rates.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

LendMesh ensures that its loan comparisons are accurate and reliable. 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 guarantees that users receive fair and transparent offers, allowing them to compare options with confidence.