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

Introduction

Welcome to Citizens Equity First, your trusted partner in financial success located at 3 Traders Cir, Normal, IL 61761. Established in 1937, we have grown into a vital part of our community, serving over 402,409 members with a commitment to providing exceptional financial services. With total assets exceeding $7,768,682,749 and total deposits amounting to $357,663,736, our strength lies not only in our numbers but also in our dedication to you. At Citizens Equity First, we believe that every member deserves access to quality banking solutions. Whether you're looking for personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages, we have you covered. We're proud to report that we have facilitated 220,826 loans and leases for our members, helping them achieve their dreams and financial goals. Our leadership team is here to serve you. Under the guidance of CEO Matthew Mamer and Board President Joseph Needham, we prioritize your financial well-being. Our friendly staff of over 1,022 employees is always ready to assist you with any questions or concerns. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 3 Traders Cir, Normal, IL 61761-4143. Join us today and experience the difference that comes from being part of a community-focused credit union. Feel free to call us at 309-451-9777 or explore more about our services on our website here. Let's work together towards your financial future!

Branch History & Mission

A Call to Action

We invite you to experience the benefits of being part of Citizens Equity First. 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. and features like ATM availability and drive-thru banking services, we are ready to assist you whenever you need us. Join us today and discover how we can help you achieve your financial dreams! For more information or assistance with opening an account or applying for a loan, please call us at 309-451-9777 or visit our website at cefcu.com. Together, let's build a brighter future!

Our Journey

From humble beginnings, Citizens Equity First has steadily expanded its offerings and services. Initially focused on providing essential banking solutions, we've now developed a comprehensive range of products tailored for every aspect of personal and business finance. Located at 3 Traders Cir, Normal, IL 61761, our branch is not only accessible but also conveniently situated near local landmarks that reflect our community spirit. While members can visit us at this location for all their banking needs, official correspondence should be sent to our mailing address at 3 Traders Cir, Normal, IL 61761-4143. As we grew through the decades, so did our commitment to innovation and member satisfaction. We introduced online and mobile banking options early on, ensuring that our members could manage their finances easily and securely from anywhere. We also prioritize accessibility by maintaining ADA compliance across all our services.

Our Mission

At Citizens Equity First, our mission is clear: to empower individuals and businesses through financial education and personalized service while fostering strong community ties. We believe that when our members thrive financially, the entire community flourishes. This philosophy drives us to participate in various outreach programs and partnerships aimed at enhancing the quality of life for everyone in Normal and beyond. We take pride in being more than just a financial institution; we are a dedicated partner in your journey toward achieving financial goals. Whether it's through auto loans for your dream car or support for local businesses with tailored loan options, we are here to help every step of the way.

Branch Location & Accessibility

Convenient Banking Hours

We understand that life can get busy, which is why we offer flexible operating hours to suit your schedule. Visit us 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. This way, whether you're stopping by on your lunch break or over the weekend, we're here for you.

Easy Access and Parking

At Citizens Equity First, we prioritize accessibility for all members. Our branch is designed to accommodate everyone, including those with mobility challenges. You'll find plenty of parking spaces available right outside our doors, making your visit hassle-free. If you need assistance, our friendly staff is always ready to help.

Get in Touch

Ready to experience the convenience of Citizens Equity First? We invite you to visit us at our Normal Member Center or call us at 309-451-9777 if you have any questions. We look forward to serving you!

Services Tailored for You

At our Normal Member Center, you'll find a range of services designed to meet your banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, enjoy the convenience of ATM access and basic drive-thru banking for simple transactions like deposits and withdrawals. If you prefer handling things from home or on-the-go, our online and mobile banking options make it easy to manage your finances anytime, anywhere.

Member Eligibility

Becoming a member of Citizens Equity First feels like joining a family that truly cares about your financial well-being. If you're in the Normal area and are looking for a supportive community, you might be eligible! At Citizens Equity First, we welcome individuals who live, work, worship, or attend school in McLean County and surrounding areas. This means that if you have connections to our vibrant community, you're likely to fit right in. We believe everyone deserves access to quality financial services, and by becoming a member, you'll enjoy benefits like lower fees, competitive loan rates, and personalized service tailored just for you. Ready to take the next step? Opening an account is easy! Simply visit us at 3 Traders Cir Normal Il 61761 or call us at (309) 451-9777 for more information. You can also check out the detailed eligibility criteria at https://www.cefcu.com/personal/learn/membership-benefits.html. We're excited to welcome you into our growing family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having the tools to accept payments effortlessly, manage transactions smoothly, and gain insights into your sales trends. Our merchant services do just that. Whether you run a local café or a bustling retail shop, our solutions can streamline your operations and enhance customer satisfaction. At Citizens Equity First, we believe in empowering local businesses with the financial resources they need to succeed. Reach out today at (309) 451-9777 to learn how we can help your business reach new heights!

Tailored 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.

Comprehensive List Of Services

Accessibility

At Citizens Equity First, we believe that access to financial services should be straightforward. Our branch hours make it convenient for you to visit us: 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're stopping by for a quick transaction or needing assistance with a larger financial decision, our friendly staff is here to help.

Business Banking

For entrepreneurs and business owners, we know how important it is to have reliable financial services. Our business banking solutions include merchant services that allow you to accept payments easily, along with various types of business loans to help you grow your operations.

Call to Action

Ready to explore what we can do for you? Visit us at our Normal Member Center or give us a call at 309-451-9777. Experience how Citizens Equity First can simplify your banking experience while helping you achieve your financial aspirations! For more details on becoming a member or applying for loans, check out our website here.

Credit Cards and Rewards

Our credit cards with rewards give you the chance to earn while you spend. Imagine using your card for everyday purchases and receiving cash back or points toward travel it's a simple way to get more from your spending.

Digital Banking Convenience

We prioritize convenience with our advanced online and mobile banking features. You can manage your accounts anytime, anywhere check balances, transfer funds, or pay bills with just a few taps on your smartphone. Plus, if you're ever in need of cash, our ATM and cash withdrawal services are readily available. You can also visit us for basic drive-thru banking for quick deposits and withdrawals without leaving your car.

Personal Banking

Whether you're opening your first checking account or looking to save for a big purchase, our personal banking options are tailored for you. We provide checking and savings accounts that fit different lifestyles. If you're in the market for a new vehicle, our auto loans and vehicle financing solutions make it easy to drive away in the car of your dreams without breaking the bank. For those looking to invest in their future home, our mortgage loans and refinancing services can guide you through the process smoothly. If you're managing debt or unexpected expenses, consider our personal loans and debt consolidation options that offer flexibility and support during challenging times.

Digital & Online Banking

Key Services

Our online banking platform allows you to check balances, pay bills, and transfer funds with just a few clicks. You can also enjoy the convenience of e-statements, which means you'll never have to worry about losing important paperwork again. Plus, with electronic signature authorization, signing documents is straightforward and hassle-free. If you're always on the go, our mobile application brings banking right to your fingertips. Whether you're making mobile payments or checking your account balance while waiting in line, everything is designed to be user-friendly. And if you need to send money to friends or family, our person-to-person transfer option is here for you though it's worth noting that this feature isn't currently available at Citizens Equity First.

Security and Accessibility

Your security is our top priority. We employ advanced technology to protect your information, so you can bank with peace of mind. Our digital services are not only secure but also highly accessible. You can manage your finances in real-time from the comfort of home or while out and about. With the ease of online banking at https://www.cefcu.com/, you'll find that keeping track of your money has never been simpler. Join us today and experience how digital banking at Citizens Equity First can transform the way you manage your finances!

Financial Strength

Growing Trust

Total Share Accounts: 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, your money is working hard for you. In conclusion, 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 3 Traders Cir Normal IL 61761 or call 309-451-9777 to learn more about how we can help you achieve your financial goals.

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 net income stands at $0, reflecting our commitment to operational efficiency while ensuring that we can 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 team.

Reinvesting for Your Benefit

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 with $85,043 in used auto loans and a remarkable total of $5,989,870,538 in loans and leases.

Strong Financial Position

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 12.10% 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. We provide flexible terms and competitive rates to make your next vehicle purchase manageable.

Credit Lines

For those needing extra flexibility, our total credit lines amounting to $2,762,497,585 allow you to borrow as needed while keeping costs manageable. This option is perfect for emergencies or planned expenses where you need immediate access to funds. If you're considering refinancing any of these loans or exploring eligibility options, we encourage you to contact us directly at 309-451-9777 or visit us at 3 Traders Cir Normal IL 61761. Our experienced staff are ready to assist you and answer any questions about our products. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Citizens Equity First, we strive not just to lend but to empower our members toward financial success.

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. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you every step of the way.

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. These cards come with various benefits designed to fit your lifestyle and spending habits.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 commitment to accuracy ensures that users receive fair and transparent offers. Each loan comparison reflects genuine rates from reputable lenders, allowing users to trust the information they see.