Citizens Equity First Credit Union Pekin IL | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Citizens Equity First, your trusted financial partner located at 3515 Court St, Pekin, IL 61554. Since our establishment in 1937, we have proudly served our community with dedication and integrity, building lasting relationships with our members. With a total membership of over 402,000, we are committed to providing exceptional financial services tailored to meet your unique needs. At Citizens Equity First, we understand the importance of financial stability. That's why we have amassed total assets of $7,768,682,749 and total deposits reaching $357,663,736. Our solid net worth of $941,559,727 reflects our commitment to sound financial practices while ensuring that your funds are safe and secure. With cash in hand amounting to $91,356,492, we're well-positioned to assist you with your financial goals. Our dedicated team of 1,022 employees is here to provide you with personalized support and guidance. Under the leadership of CEO Matthew Mamer and Board President Joseph Needham, we strive for excellence in every interaction. Whether you're looking for auto loans, mortgages, or personal banking solutions, we've got you covered. While members can visit us at our Pekin branch for all their banking needs, official correspondence should be directed to the same address: 3515 Court St, Pekin, IL 61554-6210. We invite you to explore our wide range of services including online banking, mobile payments, and more by visiting our website at www.cefcu.com. If you have any questions or need assistance, don't hesitate to call us at (309) 347-6651. We look forward to serving you!

Branch History & Mission

At Citizens Equity First, our journey began in 1937 in Pekin, IL, where we first opened our doors to serve the community. Over the decades, we have built a rich legacy rooted in trust, commitment, and community support. Today, we proudly serve over 402,000 members with total assets amounting to an impressive $7,768,682,749. Located at 3515 Court St, our branch is easily accessible for all residents of Pekin and surrounding areas. Our mission is clear: to provide exceptional financial services while fostering a sense of community among our members. We believe that by focusing on people rather than profits, we can make a real difference in the lives of those we serve. Our growth has been marked by significant milestones, including expanding our range of services to include personal banking, auto loans, mortgages, and business banking solutions. We strive to stay ahead of the curve with digital advancements that enhance member experience offering features like online banking and mobile payments. While members can visit us at 3515 Court St, official correspondence should be sent to 3515 Court St, Pekin, IL 61554-6210 if you prefer a mailing option. We are committed to making banking as convenient as possible with ATM availability and drive-thru services for those on the go. As part of our mission to support the local community, we actively engage in outreach programs and partnerships that uplift and empower those around us. Our dedication extends beyond financial services; it's about building relationships and contributing positively to the lives of our members. Whether you're looking for a checking account or seeking assistance with loans, we invite you to experience what makes Citizens Equity First special. Join us today and become part of a community-focused credit union dedicated to your financial well-being. For more information or to start your membership journey, please call us at 309-347-6651 or visit our website at cefcu.com.

Branch Location & Accessibility

Welcome to Citizens Equity First, your friendly neighborhood credit union located at 3515 Court St in Pekin, Illinois! We understand that convenience is key when it comes to banking, and our branch is perfectly situated to serve you. Just a stone's throw away from local landmarks like the Pekin Public Library and the bustling shopping areas, we invite you to stop by for all your financial needs. Our branch is designed with accessibility in mind. Whether you're visiting us for personal banking, auto loans, or mortgage services, you'll find parking available right outside our doors. The building is ADA compliant, ensuring that everyone can access our services comfortably. Plus, we offer a drive-thru for those who prefer to handle their transactions without leaving their vehicles. At Citizens Equity First, we are committed to making banking easy and accessible for all members. Our operating hours are crafted to fit your busy schedule: we're open Monday through Thursday from 9:00 a.m. to 5:00 p.m., Fridays from 9:00 a.m. to 6:00 p.m., and Saturdays from 9:00 a.m. to 1:00 p.m. Whether you're dropping in during lunch or on the weekend, we're here for you! Need cash on the go? Our ATM is available 24/7 for quick withdrawals and balance checks. We also offer basic drive-thru banking services for deposits and simple transactions because we know that sometimes you just need to get in and out quickly. While members can visit us at our branch location in Pekin, official correspondence should be sent to the same address: 3515 Court St, Pekin, IL 61554-6210. If you have any questions or need assistance with your account, don't hesitate to give us a call at 309-347-6651. We look forward to welcoming you into our branch soon!

Member Eligibility

Joining the Citizens Equity First community means becoming part of a supportive family that prioritizes your financial well-being. To become a member at our Pekin branch, simply visit us at 3515 Court St, Pekin, IL 61554, or give us a call at (309) 347-6651. We welcome individuals who live or work in Tazewell County and surrounding areas, as well as those related to existing members. Becoming a member is not just about accessing banking services; it's about joining a network that offers personalized support and beneficial financial products designed to meet your needs. Opening an account is straightforward just check out our eligibility details at https://www.cefcu.com/personal/learn/membership-benefits.html for the most up-to-date information. If you're ready to get started, you can easily apply online through this link: https://www.cefcu.com/apply-for-a-loan.html. Your journey towards better financial health begins with membership at Citizens Equity First!

Business Banking & Commercial Services

At Citizens Equity First, we understand that every business has unique challenges and goals. That's why we offer tailored business banking and commercial services designed to fuel your growth and success. Whether you're just starting out or looking to expand, our commercial loan options can help turn your vision into reality. Imagine having the capital needed to purchase new equipment, hire staff, or launch a marketing campaign. 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. In addition to loans, our merchant services simplify daily transactions, allowing you to accept payments seamlessly and focus on what matters most growing your business. Visit us at 3515 Court St, Pekin, IL 61554 or call us at 309-347-6651 to explore how our business banking solutions can empower your company today!

Comprehensive List Of Services

Business Banking Solutions

For business owners, Citizens Equity First offers tailored solutions that cater to your enterprise's specific needs. Our business banking services, including merchant services and business loans, ensure that you have the right tools to grow your venture. We understand that managing a business can be demanding; that's why our team is here to provide personalized support.

Drive-Thru & ATM Services

If you're on the go, take advantage of our basic drive-thru banking services for quick deposits, withdrawals, and simple transactions without leaving your car. Our ATMs are conveniently located to serve you better, ensuring that accessing your cash is hassle-free. At Citizens Equity First, we strive to make banking accessible for everyone in our community. We invite you to visit us or contact us at (309) 347-6651 if you have any questions about how we can assist you with your financial goals. Explore all that we have to offer by visiting us online at Pekin Member Center. Your financial journey starts here!

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our robust online and mobile banking platforms, managing your finances has never been easier. You can check balances, transfer funds, and pay bills all from your smartphone or computer 24/7! We also offer ATM services for cash withdrawals and balance checks, so you have access to your money when you need it.

Personal Banking Services

When it comes to personal banking, we understand that everyone has unique needs. That's why our offerings include convenient checking and savings accounts that allow you to manage your finances easily. For those planning major purchases, our auto loans and vehicle financing options can help get you behind the wheel without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing services can guide you through the process smoothly. Need some extra cash for unexpected expenses? Our personal loans and debt consolidation options are designed to provide relief and flexibility. Plus, with our credit cards featuring rewards, you can earn while spending on everyday purchases!

Digital & Online Banking

Additional Benefits

For those who enjoy convenience, our mobile payments feature allows you to make purchases directly from your phone, making transactions smooth and easy. While person-to-person transfers aren't currently offered at Citizens Equity First, our other digital options provide plenty of flexibility for managing your money. Accessing all these services is straightforward and user-friendly, so you'll spend less time worrying about banking and more time enjoying what matters most to you. We're dedicated to providing tools that help simplify your financial journey. Explore the full range of our digital banking services today at https://www.cefcu.com/!

Key Features

Our online banking services allow you to check balances, pay bills, and transfer funds whenever you need to. Whether you're at home or out shopping, our mobile application makes it simple to handle your banking tasks with just a few taps. Plus, if you prefer paperless statements, you can easily enroll in e-statements for quick and secure access to your account information. Safety is a top priority for us. With features like electronic signature authorization available at Yes, you can sign documents securely without the hassle of printing or mailing them. Your data is protected with advanced security measures, giving you peace of mind every time you log in.

Financial Strength

Dedicated Team

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 Membership Base

Total Share Accounts: 776,575, showing 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, borrowing, or planning for the future, Citizens Equity First is your trusted partner. Visit us at 3515 Court St Pekin Il 61554 or call 309-347-6651 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.*

Lending Capacity

Our lending capacity is impressive with $85,043 in used auto loans and a total of $5,989,870,538 in loans and leases available for our members. This diverse range of loans supports various needs from purchasing vehicles to funding personal projects.

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

While our net income stands at $0, reflecting our commitment to serving you rather than focusing solely on profit margins; it enables us to continue offering competitive loan rates and solid financial products for our members.

Reinvestment for Growth

With $927,309,606 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This commitment allows us to support your financial goals with confidence.

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 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. Whether you're looking for a brand-new model or a reliable used vehicle, our competitive rates and flexible terms make it easy for you to find the right financing option.

Credit Lines and Other Offerings

In addition to auto and mortgage loans, we have substantial resources available for personal financing through our credit lines totaling $2,762,497,585. Whether you need funds for emergencies or large projects, our credit lines are designed to give you access to cash when you need it most. For business owners seeking growth opportunities, our outstanding commercial loans totaling $684,214,774 provide the capital needed to expand operations and invest in new ventures.

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 work with you every step of the way to ensure that your journey towards owning a home is as smooth as possible.

Refinancing Options

If you're considering refinancing your existing loans or finding out if you're eligible for any of our programs, we encourage you to reach out. We can help guide you through your options and find solutions that best fit your situation. You can contact us at 309-347-6651 or visit us at 3515 Court St Pekin Il 61554. Our dedicated team is here to assist you 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. For more information about our loan offerings or to apply online, please visit our website. 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're committed to helping you navigate your financial journey with confidence and ease.

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 can be an excellent option for those looking to consolidate debt or make larger purchases without tying up savings.

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 ensures that users receive fair and transparent offers every time they search for loans. By focusing on verified institutions, LendMesh guarantees that the information presented is both accurate and reliable.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are looking at real offers tailored to their needs. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can find the best rates without worrying about hidden agendas. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions based on the latest market conditions. 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!" Testimonials like this highlight how effective LendMesh is at helping individuals secure better financing options. Compare real-time loan offers today 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.