Citizens Equity First Credit Union Morton IL | Quick Personal Loans & Business Banking

Introduction

Welcome to Citizens Equity First, your trusted partner in financial well-being, conveniently located at 825 Detroit Ave, Morton, IL 61550. Since our establishment in 1937, we have been dedicated to serving our community with integrity and commitment. With over 402,000 members and total assets exceeding $7.76 billion, we pride ourselves on being a cornerstone of financial support for families and businesses alike. At Citizens Equity First, we understand that each member's journey is unique. That's why we offer a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business financing. Our total deposits stand at an impressive $357,663,736, reflecting the trust our members place in us. Our CEO, Matthew Mamer, alongside Board President Joseph Needham, leads a passionate team of over 1,022 employees who are here to help you navigate your financial goals. We're not just about numbers; we're about people real people who care deeply about their community. We have a strong net worth of $941,559,727 and maintain a solid cash position with $91,356,492 on hand to ensure we can always serve you effectively. While members can visit us at our branch for all your banking needs, official correspondence should be sent to our mailing address at 825 Detroit Ave, Morton, IL 61550-2439. Whether you're stopping by for a quick transaction or looking for guidance on a major financial decision, our doors are open for you. If you're interested in joining our family or need assistance with any of our services, don't hesitate to reach out! You can contact us at (309) 263-0009 or explore more on our website at www.cefcu.com. Come experience the difference with Citizens Equity First where your financial future is always bright!

Branch History & Mission

Community Engagement

Citizens Equity First isn't just about transactions; it's about building relationships. We actively engage in community outreach efforts to support local initiatives and charities that enhance the lives of those around us. By partnering with various organizations within Morton and beyond, we strive to create positive change while giving back to the community that has supported us throughout the years. As we look to the future, we remain committed to embracing innovation while maintaining the personal touch that sets us apart. 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. For more information or to become a member today, please call us at 309-263-0009 or visit our website. Let's build a brighter financial future together!

Our Mission

At Citizens Equity First, our mission is simple yet profound: to empower our members through comprehensive financial services while promoting community growth and sustainability. We understand that every member's financial journey is unique. That's why we offer a variety of services including checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing options, personal loans for debt consolidation, as well as rewarding credit cards and business banking solutions. We believe in making banking accessible for everyone. Our branch features ADA-compliant facilities and provides drive-thru banking services for added convenience. Whether you prefer traditional face-to-face interactions or modern digital banking options like online and mobile banking, we have something for everyone. Our team is here to help you navigate your financial goals with personalized service and support.

Branch Location & Accessibility

Call to Action

We invite you to come visit us at the Morton Member Center! If you have questions or need assistance before stopping by, feel free to give us a call at 309-263-0009. Our team looks forward to helping you achieve your financial goals!

Operating Hours and Services

Our team is here to serve you during regular lobby hours from Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. We also offer drive-thru banking services for those quick transactions or if you prefer staying in your vehicle. At Citizens Equity First, we offer a variety of personal banking services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. With ATM availability right on-site, accessing your funds has never been easier!

Parking and Accessibility

We understand the importance of convenience when it comes to banking. Our location offers ample parking space, ensuring you have a hassle-free visit. Plus, we are committed to making our services accessible for everyone with ADA-compliant features and ramps.

Member Eligibility

Becoming a member of Citizens Equity First is like joining a family that truly cares about your financial well-being. If you live, work, or attend school in the areas we serve, you're already on your way to membership! We welcome individuals from all walks of life, and whether you're looking for a personal loan, a new checking account, or simply a supportive community, we've got your back. Plus, being part of Citizens Equity First means you'll enjoy competitive rates and personalized service tailored to your needs. To get started, just head over to our website at https://www.cefcu.com/personal/learn/membership-benefits.html where you can find more details about eligibility and what it means to be a member. If you're ready to take the next step, opening an account is simple just visit us at https://www.cefcu.com/apply-for-a-loan.html. Have questions? Don't hesitate to give us a call at (309) 263-0009. We're here for you every step of the way!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business smoothly without the hassle of payment processing headaches. Our merchant services provide you with easy-to-use tools that accept payments efficiently, enabling you to focus on what you do best serving your customers. By partnering with us, you'll gain access to various payment options that can enhance customer experience and boost sales. Explore how our dedicated team at Citizens Equity First, located at 825 Detroit Ave Morton Il 61550, Morton, IL, can support your business aspirations today!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Accessibility

Need cash quickly? Our branch features an ATM for easy withdrawals and balance checks. Additionally, our basic drive-thru banking services allow for quick deposits and withdrawals without leaving your car perfect for busy days.

Business Banking

Running a business comes with its own set of challenges, and at Citizens Equity First, we aim to alleviate some of those pressures. Our business banking services, including merchant services and business loans, are designed to help your business thrive. Whether you're starting out or expanding, we're here to support your financial needs.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, pay bills, and more all from the comfort of your home or on the go.

Get in Touch

With all these services available at Citizens Equity First, we invite you to visit us or give us a call at 309-263-0009. Our friendly team is here to answer any questions you may have about our offerings or how we can assist you further. Experience banking that feels personal; let us help you achieve your financial goals today!

Personal Banking

We understand that managing your finances can be overwhelming at times. That's why our personal banking services are crafted to simplify your financial journey. With checking and savings accounts, you can easily manage your day-to-day expenses while saving for future goals. For those moments when you need a little extra help, our personal loans and debt consolidation options provide the flexibility and support you may require. If you're in the market for a new vehicle, our auto loans and vehicle financing make it easy to drive away in the car you've always wanted. We also offer mortgage loans and refinancing options for those looking to purchase or refinance their homes. Plus, our credit cards come with rewards to help you earn while you spend.

Digital & Online Banking

Key Features

One standout feature is our electronic signature authorization, which allows you to sign documents securely without needing to visit a branch. This means less hassle for you and quicker transactions. Plus, with e-statements available, you can go paperless and access your account statements anytime helping you stay organized while also being environmentally friendly. If you're always on the move, our mobile application is here to help. It supports mobile payments, making it easy to pay with just a tap of your phone. While person-to-person transfers aren't currently offered, our app still provides everything else you need for efficient banking right at your fingertips.

Security and Ease of Use

We prioritize your security with every transaction. Our online banking platform uses advanced encryption technology to keep your information safe. You can manage your accounts in real time with confidence, knowing that we're protecting your data. At Citizens Equity First, we believe banking should fit into your life, not the other way around. Our user-friendly digital services empower you to take control of your finances easily and securely. Whether you're at home or on the go, managing your money has never been more accessible!

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. With our strong financial foundation, we are committed to providing you with reliable services tailored to your needs. 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. 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 your financial goals across various sectors with $85,043 in used auto loans and a total of $5,989,870,538 in loans and leases. Our operational efficiency is reflected in our net income of $0 this period; despite this figure not indicating profit at this moment, it underscores our commitment to investing back into our services for your benefit. 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. Net Shares available for lending and investments stand at $8,426,764, reinforcing our ability to support member needs effectively. Additionally, the total share accounts have reached an impressive 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 or borrowing or planning for the future, Citizens Equity First is your trusted partner. Visit us at 825 Detroit Ave Morton IL 61550 or call 309-263-0009 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

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. We provide financing options for both new and used vehicles, ensuring that you have access to affordable and flexible payment plans.

Credit Lines

For those who prefer having a safety net for their finances, our total credit lines amounting to $2,762,497,585 provide an excellent solution. With these lines of credit available at competitive rates, you can borrow what you need when you need it most.

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 cater to first-time homebuyers as well as those looking to refinance their existing mortgages. Our competitive rates can help make your dream of owning a home more attainable.

Refinancing Options

If you're considering refinancing any of your existing loans or need help understanding eligibility options, our team is here to guide you through the process. We aim to provide transparent information and support so that you can make informed decisions about your financial future. For inquiries or more information about our loan products and services at Citizens Equity First located at 825 Detroit Ave Morton IL 61550, don't hesitate to call us at 309-263-0009. Our friendly staff is ready to assist you from Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 8:00 a.m. to 5:00 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. Let us help you navigate your financial journey with confidence!

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. This option allows for easy access to funds without needing collateral. It's a great way to handle unexpected expenses or make larger purchases while keeping control over your budget.

Loan Aggregator

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