Citizens Equity First Credit Union Lincoln IL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Citizens Equity First, your trusted financial partner located at 341 5Th St, Lincoln, IL 62656. Since our establishment in 1937, we have been dedicated to serving our community and providing reliable banking solutions tailored to your needs. With over 402,000 members and total assets of $7,768,682,749, our commitment to financial excellence is evident in everything we do. At Citizens Equity First, we understand that each member's financial journey is unique. Whether you're looking for a new vehicle loan or planning for your future with savings accounts, we offer a range of services including personal banking, auto loans, mortgages, and business banking solutions. Our total deposits stand at an impressive $357,663,736, showcasing the trust our members place in us. Our leadership team, headed by CEO Matthew Mamer and Board President Joseph Needham, is committed to ensuring you receive the best possible service. We pride ourselves on being more than just a bank; we're part of your community. While members can visit us at our branch location for personal assistance, official correspondence should be sent to our mailing address: 341 5th St, Lincoln, IL 62656-2676. We invite you to explore all that we have to offer! Feel free to call us at (217) 735-5541 or visit our website at cefcu.com for more information about how we can help you achieve your financial goals. Together, let's make your dreams a reality!

Branch History & Mission

At Citizens Equity First, we take pride in our rich history and deep commitment to the community of Lincoln, Illinois. Since opening our doors in 1937, we have been dedicated to providing exceptional financial services while fostering a sense of belonging among our members. Over the decades, we have grown alongside our community, adapting to its needs and evolving into a trusted financial partner for many. Located at 341 5Th St, Lincoln, IL 62656, our branch is easily accessible for all residents. Just a short distance from downtown Lincoln and near the Logan County Courthouse, we offer a welcoming space for members to explore their financial options. Our branch has flourished over the years and now proudly serves more than 402,000 members with total assets amounting to an impressive $7,768,682,749. Our mission at Citizens Equity First is straightforward: we aim to empower our members by providing reliable financial solutions tailored to their unique needs. We believe that everyone deserves access to quality banking services without barriers. That's why we've made significant strides in offering digital advancements such as online banking and mobile payments, ensuring that banking is convenient and accessible for all. While members can visit us at 341 5Th St Lincoln Il 62656, official correspondence should be sent to 341 5th St, Lincoln, IL 62656-2676. We also understand that personal interactions matter; hence, our drive-thru service is available for those who prefer face-to-face communication while keeping things efficient. Additionally, our ATM services are readily available for quick cash access. Community support is at the heart of what we do. We actively engage in local outreach initiatives and partnerships aimed at uplifting our neighbors and enhancing their financial literacy. Whether it's sponsoring local events or hosting workshops on budgeting and saving, Citizens Equity First is committed to making a positive impact in Lincoln. As we look toward the future, we invite you to join us on this journey. Experience firsthand the benefits of membership with Citizens Equity First. Together, let's build a brighter financial future for you and our community. Visit us today or call us at (217) 735-5541 to learn more about how we can support your financial goals!

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch is designed to be welcoming and user-friendly, featuring ADA-compliant ramps and spacious parking areas to ensure that everyone can access our services comfortably. Whether you prefer coming inside or using our drive-thru service, we've got you covered!

Operating Hours

At Citizens Equity First, we understand that your time is valuable. That's why our lobby is open Monday through Thursday from 8:30 a.m. to 5:00 p.m., and on Fridays, we extend our hours until 6:00 p.m. We also welcome you on Saturdays from 8:30 a.m. to noon for drive-thru banking. This flexibility allows you to choose a time that works best for your busy schedule.

Services Offered

Our branch provides a wide range of financial services tailored to meet your needs. From checking and savings accounts to auto loans and mortgages, we are dedicated to helping you achieve your financial goals. Need cash? Our ATM is available for withdrawals and balance checks whenever you need it. While visiting us at 341 5th St, please remember that official correspondence should be sent to the same address if you're using our mailing address. If you have any questions or need assistance, don't hesitate to give us a call at 217-735-5541. We invite you to stop by Citizens Equity First today! Whether you're new to banking or a long-time member, we look forward to serving you with dedication and care.

Member Eligibility

At Citizens Equity First, we believe that everyone deserves the chance to be part of a community that supports their financial well-being. Becoming a member is as simple as meeting a few friendly criteria. If you live, work, or worship in the areas we serve, you're likely eligible to join us! We welcome individuals and families who share our values and are looking for a supportive financial partner. To explore the specific eligibility details, please check out this resource: Membership Benefits. Opening an account with us is straightforward and rewarding. Not only will you gain access to a range of financial services tailored to your needs, but you'll also become part of a vibrant community focused on helping each other succeed. If you're ready to take the next step or have questions, don't hesitate to reach out at 217-735-5541. Our team is here to assist you Monday through Friday and even Saturday mornings! Join us at our Lincoln branch located at 341 5Th St, Lincoln, IL 62656, and start your journey with Citizens Equity First today!

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

In addition to loans, we offer merchant services that simplify everyday transactions for business owners. Whether you're processing payments at a busy checkout or managing invoices from your office, our services ensure you have the tools needed to operate efficiently. Visit us at 341 5Th St, Lincoln, IL 62656 or call us at 217-735-5541 to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With convenient access points throughout the community and an ATM available at our branch, withdrawing cash has never been easier. Our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. At Citizens Equity First, we pride ourselves on making banking simple and accessible for everyone in Lincoln, IL. For more information about any of these services or how we can assist you further, please call us at 217-735-5541 or visit our website at cefcu.com. We're excited to help you navigate your financial journey!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easy to drive off with your dream vehicle. We offer competitive rates and flexible terms designed to fit your budget. Whether you're buying new or used, we're here to guide you through the financing process.

Business Banking

For entrepreneurs and small business owners, our business banking services include merchant services and business loans designed to help you grow and succeed. We know how important it is for businesses to have reliable financial partners, so we work closely with you to understand your needs.

Credit Cards with Rewards

Maximize your spending power with our credit cards with rewards. Not only do they provide convenience for daily purchases, but they also allow you to earn points that can be redeemed for exciting rewards. It's like getting paid for shopping!

Mortgage Loans & Refinancing

If homeownership is on your mind, our mortgage loans and refinancing services are ready to help turn that dream into reality. We understand that buying a home is one of the biggest investments you'll make, which is why we strive to offer personalized mortgage solutions that work for you.

Personal Banking

Whether you're looking to manage your day-to-day expenses or save for the future, our personal banking services include checking and savings accounts tailored for all lifestyles. Imagine having quick access to your funds anytime you need them; that's what our online and mobile banking features provide! You can check your balance, transfer funds, and pay bills right from your phone or computer, giving you the freedom to bank whenever it suits you.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. With our personal loans and debt consolidation options, you can tackle those challenges head-on. Whether it's covering medical bills or consolidating high-interest debt into one manageable payment, we're here to assist you every step of the way.

Digital & Online Banking

At Citizens Equity First, we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to make managing your finances easy and secure. With just a few clicks, you can access your accounts anytime, anywhere, giving you the freedom to bank on your terms. Our online banking platform, available at https://www.cefcu.com/, allows you to view account balances, transfer funds, and pay bills without stepping foot in a branch. You can enjoy 24/7 access to your accounts, ensuring you're always in control of your finances. Plus, our electronic signature authorization feature means you can sign documents securely from the comfort of your home. For those who prefer mobile banking, our user-friendly mobile application makes it simple to manage your money on the go. With features like mobile payments, you can easily make transactions right from your smartphone. Whether you're grabbing coffee or shopping for groceries, paying with your phone has never been easier. Additionally, we offer e-statements for convenient access to your financial statements without the clutter of paper. This not only helps you stay organized but also enhances security by minimizing the risk of sensitive information being lost or stolen. While person-to-person transfers aren't available at this time, our commitment to providing top-notch digital services ensures you'll find everything else you need for efficient banking. Experience how convenient banking can be with Citizens Equity First. Join us today and discover all the ways we're making banking work for you!

Financial Strength

Committed Team Ready to Serve

Our operational efficiency is reflected in our solid performance with no net income reported this cycle; however, we remain focused on creating value for our members through exceptional service and products. 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.

Growing Member Base

Total Share Accounts stand at an impressive 776,575, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments at $8,426,764, we are well-positioned to meet your financial needs now and into the future. 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 341 5Th St Lincoln IL 62656 or call 217-735-5541 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.

Reinvesting in Our Future

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 with $85,043 in used auto loans and a total of $5,989,870,538 in loans and leases available for various needs.

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. We have already issued over $1,509,535,444 in used vehicle loans and $713,341,413 in new vehicle loans to help members get on the road with confidence. Our flexible terms make it easier for you to drive away in the vehicle that suits your lifestyle.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $684,214,774 provide the capital needed for expansion and operational needs. We understand the challenges businesses face and are here to support your financial journey. If you're interested in refinancing any existing loans or want to explore eligibility options for our loan products, feel free to contact us at (217) 735-5541 or visit us at our branch located at 341 5Th St Lincoln Il 62656 in Lincoln, IL. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Take control of your finances today with Citizens Equity First!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We offer Junior Lien 1-4 Family Residential Properties loans totaling $180,125,149. With competitive rates and personalized service, we can guide you through every step of the process.

Unsecured Credit Cards

We also provide flexible terms on unsecured credit card loans. With a total of $142,483,010 in loans available, our credit cards can help you manage your finances effectively while offering rewards and benefits that fit your lifestyle.

Loan Aggregator

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 adherence ensures that users receive fair and transparent offers tailored to their needs. Each loan comparison is built on verified data, making it a trustworthy tool for anyone looking to secure a loan.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the rates they see reflect actual offers from reputable lenders. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means every user has equal access to all available options without influence from advertising dollars. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users stay informed about current market conditions, enabling them to choose the best option for their financial situation. 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 platform's effectiveness in helping individuals save money while securing loans. Take control of your financial future today. Compare real-time loan offers 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.