Citizens Equity First Credit Union Peoria IL | Top Mortgage Loans & Rewards Cards

Introduction

Welcome to Citizens Equity First, your trusted partner in financial wellness, located at 200 N Macarthur Hwy, Peoria, IL 61605. Established in 1937, our credit union has grown to serve over 402,409 members, demonstrating our commitment to providing exceptional banking services tailored to meet your needs. With total assets of $7,768,682,749 and a robust net worth of $941,559,727, we pride ourselves on our financial strength and stability. At Citizens Equity First, we believe that banking should be personal and accessible. That's why we offer a wide range of products including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We have the resources to support you with $357,663,736 in total deposits and over 220,826 loans to help you achieve your financial goals. Our dedicated team is led by CEO Matthew Mamer and Board President Joseph Needham, who are both passionate about fostering a community-focused environment where members feel valued and supported. Our friendly staff is here to assist you with any inquiries or needs you may have; feel free to reach out at 309-633-7980 during our lobby hours from 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. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address as our physical location. Explore the various services we offer by visiting our website at cefcu.com. We invite you to become part of our family experience the difference that comes with being a member of Citizens Equity First today!

Branch History & Mission

Community Commitment

Our commitment extends beyond just banking; we engage actively with our community through various outreach programs and partnerships. Whether it's providing financial education or supporting local events, we aim to create positive impacts that resonate throughout Peoria. Moreover, we're proud of our modern digital services that allow you to manage your finances effortlessly through online banking and mobile applications. We prioritize accessibility for all members by ensuring ADA compliance and offering ATM services right here at our branch. As we look toward the future, we invite you to join us on this journey. Experience the benefits of membership with Citizens Equity First today! Whether you're looking for personal banking solutions or business services, we're here for you every step of the way. Reach out at 309-633-7980 or visit us online at cefu.com to learn more about how we can support your financial goals.

Our Mission

At the heart of Citizens Equity First is our mission: to enhance the lives of our members and strengthen our community. We believe that access to quality financial services should be available to everyone. That's why we are committed not only to meeting your banking needs but also to supporting local initiatives that make Peoria a better place for all its residents. While members can visit us at 200 N Macarthur Hwy, official correspondence should be sent to our mailing address at 200 N MacArthur Hwy, Peoria, IL 61605-2179. With operating hours designed for your convenience 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. we ensure you can access your accounts when it suits you best.

Branch Location & Accessibility

Get in Touch

Have questions or need assistance? Feel free to give us a call at 309-633-7980. Our dedicated team is here to help you with whatever you need. We invite you to visit us today and discover how Citizens Equity First can support your financial journey!

Operating Hours

We understand that convenience matters. That's why we're open 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. Our hours are designed to fit into your busy schedule, so you can always find time to stop by.

Parking and Accessibility

Our branch offers ample parking with accessible options available for those who need it. We strive to ensure that everyone can easily access our services. Whether you're visiting us for personal banking or exploring loan options, you'll find our facility welcoming and equipped to meet your needs.

Services Offered

At Citizens Equity First, we offer a variety of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. Additionally, we provide online and mobile banking for your convenience. If you prefer using an ATM, you're in luck! Our location features an ATM for quick cash withdrawals and balance checks.

Member Eligibility

At Citizens Equity First, we believe that everyone deserves a chance to thrive in a supportive financial community. If you're interested in joining us, becoming a member is simple and welcoming. You are eligible if you live or work in Peoria or surrounding areas, or if you have family members who are already part of our credit union family. This means that whether you're looking to open a checking account, take out an auto loan, or simply enjoy the benefits of our services, there's a place for you here. Becoming a member at Citizens Equity First not only opens the door to tailored financial products but also connects you with a community focused on your success. To learn more about our membership requirements, feel free to visit our detailed eligibility page at https://www.cefcu.com/personal/learn/membership-benefits.html. Ready to take the next step? Opening an account is straightforward! You can start the process by visiting https://www.cefcu.com/apply-for-a-loan.html or calling us at (309) 633-7980 for assistance. Join us today at 200 N Macarthur Hwy, Peoria, IL 61605, and experience the advantages of being part of our community!

Business Banking & Commercial Services

Business Loans That Make a Difference

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.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify daily operations for businesses. Imagine having the tools to accept payments seamlessly, manage transactions efficiently, and gain insights into sales trends all from one platform. This means less time worrying about finances and more time focusing on what you do best: running your business. Located at 200 N Macarthur Hwy Peoria Il 61605, Peoria, IL IL, we invite you to discover how our tailored financial solutions can empower your business journey. Reach out today at (309) 633-7980 to explore how we can help you thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options provide competitive rates and flexible terms to help you drive off in your dream vehicle. Whether it's a brand-new ride or a reliable used car, we're here to support your journey.

Business Banking Solutions

For entrepreneurs, we offer robust business banking services, including merchant services and business loans. We understand the challenges faced by small businesses and are committed to providing the financial tools necessary for success.

Convenient Access & Support

In addition to traditional banking services, we pride ourselves on offering ATM and cash withdrawal services for quick access to your money whenever you need it. Our ATMs are available for basic transactions like withdrawals and balance checks, making banking easy and efficient.

Engage with Us Today!

At Citizens Equity First, we strive to create an engaging environment where members feel valued and supported. If you have any questions about our offerings or wish to explore how we can assist you further, don't hesitate to reach out at 309-633-7980. We invite you to visit us at our Valley Park Member Center or check out more details on our website at cefcu.com. Your financial journey starts here let's take the next steps together!

Home Ownership Made Easy

For those ready to invest in a home, our mortgage loans and refinancing options can make the process smooth and stress-free. From first-time buyers to seasoned homeowners looking to refinance, we offer guidance every step of the way.

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, we have options that fit your lifestyle. With our personal banking services, managing your finances is simpler than ever. Imagine easily accessing your funds through our user-friendly online and mobile banking platforms, allowing you to check balances, transfer money, or pay bills from the comfort of your home.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to simplify your finances, consider our personal loans and debt consolidation services. We help you manage debt efficiently by providing solutions that can lower your monthly payments and streamline your financial commitments.

Rewards with Credit Cards

Our credit cards with rewards are designed for everyday spending while giving back to you. Enjoy cashback on purchases or points towards travel whatever suits your needs best!

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which makes banking on the go a breeze. Whether you're making purchases with mobile payments or checking your e-statements for quick insights into your spending, you'll find everything you need in one user-friendly place. Plus, with electronic signature authorization, signing important documents has never been easier. No more printing or mailing forms just sign electronically and you're all set! If you ever need to send money to friends or family, our person-to-person transfers make it simple and hassle-free. While this feature may not be available at the moment, we continually strive to enhance our offerings based on member feedback. Security is a top priority for us. Our online banking platform uses advanced security measures to keep your information safe while you manage your accounts. Rest assured that your data is protected as you enjoy the convenience of modern banking. In summary, whether you're checking balances from home or using our mobile app while out and about, Citizens Equity First ensures that managing your money is straightforward and secure. Experience the ease of digital banking today!

Financial Strength

Community Trust

Total Share Accounts: 776,575 shows a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $8,426,764 further underscores our commitment to providing valuable resources to our community. 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 200 N Macarthur Hwy Peoria Il 61605 or call 309-633-7980 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.

Investing in Your Future

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 is impressive: with $85,043 in used auto loans and a total of $5,989,870,538 in loans and leases, we support members' financial goals across various sectors.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, allowing us to 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.

Secured Member 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.

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 financing solutions that can accommodate your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $684,214,774 provide the capital needed to grow and expand your business operations. At Citizens Equity First located at 200 N Macarthur Hwy Peoria IL 61605, we're committed to providing personalized service and support throughout the borrowing process. You can reach us at 309-633-7980 during our operating hours: 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. 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 our loan products today and see how we can assist you in fulfilling your financial dreams!

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 also offer refinancing options that can help you secure better rates and terms on your current mortgage.

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 is perfect for those looking to consolidate debt or make unexpected purchases without tying up collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With numerous options available, making an informed decision is essential, and LendMesh is designed to help you do just that. 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 ensures fair and transparent offers for all users. By using only verified data from legitimate financial institutions, LendMesh promotes transparency in the loan comparison process. One significant advantage of LendMesh is its dedication to providing verified data. Loan offers are gathered from trusted sources, eliminating the uncertainty that often accompanies online loan searches. Additionally, LendMesh operates without sponsored listings, meaning lenders are not prioritized based on paid promotions. Instead, the platform aims to deliver unbiased results that reflect actual market conditions. The real-time rate comparisons feature is another key benefit. Users receive up-to-date loan rates from multiple institutions, allowing them to evaluate their options effectively. This access to current information empowers consumers to make informed financial choices. Thousands of users trust LendMesh for their 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 the platform's effectiveness in 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.*