Citizens Equity First Credit Union O Fallon IL | Top Auto Loans & Business Banking

Introduction

Welcome to Citizens Equity First, your trusted financial partner located at 450 Regency Park, O'Fallon, IL 62269. Established in 1937, our credit union has grown alongside our community, currently serving over 402,000 members with a commitment to their financial well-being. With total assets of $7,768,682,749, we pride ourselves on offering competitive rates and personalized services that cater to your unique needs. At Citizens Equity First, we understand the importance of reliable financial support. That's why we provide a comprehensive range of services including personal banking, auto loans, mortgage solutions, and business financing. Our members enjoy the peace of mind that comes from knowing they are supported by a dedicated team of professionals led by CEO Matthew Mamer and Board President Joseph Needham. Together, they ensure that our credit union remains a pillar in the community. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be directed to the same address: 450 Regency Park, O'Fallon, IL 62269-1886. With a solid net worth of $941,559,727 and cash reserves amounting to $91,356,492, we are well-equipped to meet your financial goals. Whether you are looking for loans totaling over 220,826 or deposits exceeding $357,663,736, we have the resources to help you succeed. Our friendly staff is available to assist you Monday through Friday from 9:00 a.m. to 5:00 p.m., and Saturdays from 9:00 a.m. to 12:00 p.m. Give us a call at 618-589-7805 or visit our website at cefcu.com to learn more about how we can serve you better. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Community Commitment

Our dedication goes beyond banking; we prioritize community outreach and partnerships that foster growth and development within O'Fallon and its surrounding areas. We actively engage in initiatives aimed at enhancing financial literacy and supporting local events. Every interaction with our members is an opportunity for us to contribute positively to their lives. We also embrace technology with online and mobile banking options that make managing your finances easier than ever. With features like electronic signatures and e-statements, we ensure that our services are not only efficient but also user-friendly. As we continue on this path of growth and service, we invite you to join us at Citizens Equity First. Experience firsthand how we can support your financial journey while making a meaningful impact in our community. Visit our website at cefcu.com or call us at 618-589-7805 today!

Our Mission

At Citizens Equity First, our mission is clear: we are dedicated to improving the financial well-being of our members while actively supporting our community. We believe that everyone deserves access to affordable banking solutions and financial education. Through our diverse range of services including personal banking, auto loans, mortgages, and credit cards we strive to meet the unique needs of each member. While members can visit us at 450 Regency Park for in-person assistance, official correspondence should be sent to the same address. Our operating hours are convenient: 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., ensuring that we are available when you need us.

Branch Location & Accessibility

Convenient Access and Amenities

Our branch is designed with your convenience in mind. There's ample parking available right outside our doors, making it simple for you to drop in. We pride ourselves on being accessible to everyone, with features that ensure compliance with ADA standards, including ramps and accessible entrances. While you can visit us at our physical location for all your banking needs, please note that official correspondence should be sent to our mailing address: 450 Regency Park, O'Fallon, IL 62269-1886.

Friendly Banking Hours

We understand that life can get busy! That's why our lobby is open Monday through Friday from 9:00 a.m. to 5:00 p.m., and we also welcome you on Saturdays from 9:00 a.m. until noon. Our team is always ready to assist you during these hours.

Services Tailored for You

At Citizens Equity First, we offer a range of services designed to meet your personal banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. While we currently do not offer drive-thru banking service, you can enjoy ATM access at our branch for quick cash withdrawals and balance checks. Whether you're looking to open a new account or need assistance with an existing one, feel free to reach out by calling us at 618-589-7805. Our friendly staff is eager to help! We invite you to visit us soon your financial journey starts here at Citizens Equity First!

Member Eligibility

At Citizens Equity First, we believe that becoming a member means joining a caring community that supports your financial journey. If you're looking to become part of our family, you'll be pleased to know that eligibility is quite straightforward! Generally, anyone who lives or works in the areas we serve can apply for membership. This includes not just individuals but also families and businesses who want to benefit from our personalized services and competitive rates. We offer a range of financial products that cater to various needs, whether it's saving for the future or financing your dream vehicle. To get started with membership at Citizens Equity First, simply visit us at 450 Regency Park, O'Fallon, IL 62269 or give us a call at (618) 589-7805. For more detailed information about the eligibility requirements and to ensure you have the latest updates, please check out our resource page at https://www.cefcu.com/personal/learn/membership-benefits.html. And when you're ready to open an account, you can find everything you need at https://www.cefcu.com/apply-for-a-loan.html. We're excited to welcome you aboard!

Business Banking & Commercial Services

Business Loans for Growth

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 That Work for You

Imagine being able to accept payments seamlessly from your customers, whether they're shopping online or visiting your store. Our merchant services are tailored to simplify transactions, allowing you to focus on what you do best running your business. From point-of-sale systems to mobile payment options, we provide the tools you need to enhance customer experience and boost sales. Located at 450 Regency Park O Fallon Il 62269 in O Fallon, IL, we invite local entrepreneurs to partner with us for their financial needs. Let's work together to turn your business vision into reality! For more information, feel free to contact us at (618) 589-7805 or visit our website at https://www.cefcu.com/.

Comprehensive List Of Services

Business Banking Services

For local businesses, we offer robust business banking solutions. From merchant services that simplify payment processing to business loans designed to support growth, we're here to help you succeed in your entrepreneurial journey.

Cash Access Made Simple

Need quick cash? Our ATM services provide basic access for withdrawals and balance checks right when you need it. While we don't currently have drive-thru service, our ATM availability ensures that you can access your funds without hassle.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your accounts from anywhere. With features like mobile payments and e-statements, handling your finances has never been easier.

Get Started Today!

With operating hours from 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're here when you need us. For any questions or assistance, don't hesitate to reach out at (618) 589-7805. Explore how Citizens Equity First can help you achieve your financial goals today by visiting us or checking out our website at https://www.cefcu.com. We look forward to serving you!

Personal Banking Solutions

Our personal banking services are designed with you in mind. You can open checking and savings accounts that fit your lifestyle, making it easier to manage your finances. If you're thinking about buying a car, our auto loans and vehicle financing options can help you get on the road with ease. For those looking to purchase a home or refinance an existing mortgage, our mortgage loans offer competitive rates and flexible terms. If you're facing unexpected expenses or want to consolidate debt, our personal loans provide a straightforward solution. Plus, enjoy the benefits of credit cards that come with rewards to maximize your everyday spending.

Digital & Online Banking

Key Features

Safety is a top priority for us. With electronic signature authorization available, signing documents securely is a breeze. You can also choose to receive e-statements, helping you keep track of your finances without the clutter of paper statements. It's not only convenient but also eco-friendly! For those who prefer using their mobile devices, our mobile application makes it easy to bank on the go. Enjoy features like mobile payments that let you make purchases directly from your phone perfect for busy lifestyles. And while we currently don't offer person-to-person transfers, rest assured that our other services are designed to meet most of your banking needs. Managing your accounts in real-time has never been easier. With all these features at your fingertips, Citizens Equity First ensures that banking is not just a task but an experience tailored for you. Join us today and explore how our digital solutions can enhance your financial journey!

Financial Strength

A Growing Community

Total Share Accounts: 776,575, showing a strong and growing member base that trusts us with their finances. This collective strength allows us to be there for each other as we navigate our individual financial journeys together. 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 450 Regency Park O'Fallon IL 62269 or call 618-589-7805 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.

Commitment to Excellence

Our impressive net income of $0 reflects our operational efficiency during challenging times while still enabling us to offer 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.

Investment 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 robust lending capacity supports your financial goals with $85,043 in used auto loans and over $5.9 billion in total loans and leases.

Secure Savings Options

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.

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. 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 are here to support your journey. Whether you're eyeing the latest model or a reliable used vehicle, our team can assist you in finding the right financing option.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $684,214,774 can provide the capital needed to expand operations or invest in new projects. We're committed to supporting local businesses and helping them thrive. We invite you to visit us at our branch located at 450 Regency Park O'Fallon IL 62269 or call us at 618-589-7805 for more information about our loan offerings. Our friendly team is available 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. Explore how Citizens Equity First can support your financial journey today!

Credit Card Loans

For those looking for flexible financial solutions, we also provide unsecured credit card loans with a total of $142,483,010 in loans available. These cards are designed to help you manage everyday expenses while enjoying the benefits of cash back rewards and low-interest rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $180,125,149, giving you access to funds that can help turn your dream of owning a home into reality. Plus, if you're considering refinancing your current mortgage for better terms or lower rates, our dedicated staff can guide you through the eligibility process.

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