Citizens Equity First Credit Union Peoria IL | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Citizens Equity First (CEFCO), your trusted partner for financial well-being located at 5401 W Everett M Dirksen Pkwy, Peoria, IL 61607. Since our establishment in 1937, we have been dedicated to serving our community with integrity and commitment. With over 402,000 members relying on us, we pride ourselves on providing personalized financial solutions that meet your unique needs. At CEFCO, we manage a robust portfolio of assets totaling an impressive $7,768,682,749, reflecting our strength and stability. Our dedication to our members is evident in our total deposits of $357,663,736, ensuring that your money is safe and growing. We also offer a variety of loan options with a total of 220,826 loans and leases extended to our members, demonstrating our commitment to help you achieve your financial goals. As a member-focused credit union led by CEO Matthew Mamer and Board President Joseph Needham, we are here to guide you every step of the way. Our knowledgeable team of over 1,022 employees is ready to assist you with services ranging from personal banking and auto loans to mortgage refinancing and business banking solutions. While you can visit us at our branch address for face-to-face assistance, official correspondence should be sent to our mailing address: PO Box 1715, Peoria, IL 61656-1715. Ready to take the next step towards financial success? Don't hesitate to reach out! Call us at (309) 633-7000 or explore more about what we offer by visiting our website at cefcu.com. We're excited to serve you!

Branch History & Mission

Community Engagement

Cefcu believes in giving back to the community that supports us. We actively engage in partnerships with local organizations and participate in various outreach efforts aimed at enhancing financial literacy and providing assistance to those in need. By fostering these connections, we aim to create a vibrant community where everyone can thrive. With a focus on inclusivity and accessibility, we adhere to ADA compliance standards across all our services. Our goal is to ensure that every member feels welcomed and valued when they choose Cefcu for their banking needs.

Join Us

As we reflect on our rich history and look forward to the future, we invite you to become part of the Citizens Equity First family. Experience firsthand how we can help you reach your financial dreams while contributing positively to the community around us. Visit us today at 5401 W Everett M Dirksen Pkwy Peoria Il 61607 or learn more about joining us at Cefcu Membership Benefits. Your journey towards financial empowerment starts here!

Our Mission

At Citizens Equity First, our mission goes beyond just providing banking services. We are dedicated to enriching the lives of our members and strengthening our community. We strive to offer affordable financial products that empower individuals and families to achieve their goals be it purchasing a home, financing a vehicle, or planning for retirement. Our commitment to personal service is evident in our operating hours from 7:30 a.m. to 5:00 p.m., where our knowledgeable staff is always available to help you navigate your financial journey. While we currently do not have ATM services or drive-thru banking at this location, we ensure that our online and mobile banking options are user-friendly and accessible.

Branch Location & Accessibility

Branch Features

At Citizens Equity First, we prioritize accessibility for all our members. Our facility is compliant with ADA standards, ensuring everyone can navigate comfortably. While there's no drive-thru option available, our friendly staff is ready to assist you in person during our operating hours.

Contact Us

If you have any questions or would like to learn more about our offerings, don't hesitate to reach out! You can call us at 309-633-7000. We invite you to visit us today and discover how we can help you achieve your financial goals! While members can visit us at 5401 W Everett M Dirksen Pkwy, official correspondence should be sent to PO Box 1715, Peoria, IL 61656-1715. We look forward to welcoming you soon!

Convenient Location

Situated near popular landmarks in Peoria, our branch is just a short drive from the heart of the city. This prime location allows us to serve our members efficiently while providing easy access to all the essential services you need.

Operating Hours

We know that life can get busy! That's why we're open Monday through Friday from 7:30 a.m. to 5:00 p.m. Feel free to drop by during these hours for any assistance or inquiries.

Services Offered

We offer a range of services tailored to meet your banking needs. From checking and savings accounts to auto loans, mortgage financing, and credit cards with rewards there's something for everyone at our branch! Although we do not have ATM facilities on-site, our team can guide you on the best options for cash withdrawal services in the area.

Member Eligibility

At Citizens Equity First, we believe that everyone deserves a chance to be part of a caring financial community. Becoming a member is simple and welcoming! If you live or work in certain areas of Illinois, or if you are related to someone who is already a member, you're likely eligible to join us. This means you can access our range of services designed to support your financial journey, from savings accounts to loans tailored just for you. For more detailed information on eligibility requirements, feel free to check out our website at this link. Opening an account with us is easy and straightforward. You can start the process online through our website or by giving us a call at (309) 633-7000. We're here to help guide you every step of the way. Join us at our branch located at 5401 W Everett M Dirksen Pkwy Peoria Il 61607, and experience the benefits of being part of Citizens Equity First!

Business Banking & Commercial Services

Comprehensive Merchant Services

In addition to loans, we offer merchant services that simplify payment processing and enhance cash flow management. Imagine having a reliable partner who can help you accept payments smoothly, allowing you to focus on what matters most growing your business. Our services are here to empower you, giving you the tools needed for success. Visit us at 5401 W Everett M Dirksen Pkwy Peoria Il 61607, Peoria, IL or reach out at (309) 633-7000 to explore how we can assist you in achieving your business goals!

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

Access Anytime, Anywhere

With our commitment to digital banking features like online banking and mobile payments, accessing your accounts has never been easier. You can manage all your financial needs right from your smartphone or computer. At Citizens Equity First, we're more than just a credit union; we're your partner in financial wellness. If you'd like to learn more about how we can assist you or if you're ready to take the next step towards better financial health, give us a call at 309-633-7000 or visit us at our branch in Peoria. Let's work together towards achieving your financial goals!

Business Banking Solutions

If you're running a business or planning to start one, our business banking services, including merchant services and business loans, are tailored to support entrepreneurs like you. From managing cash flow to funding growth opportunities, we've got the resources needed for success.

Financial Support for All Stages of Life

We recognize that life can bring unexpected challenges. That's where our personal loans and debt consolidation come into play. Whether it's an emergency expense or consolidating high-interest debt into one manageable payment, we're here to help ease your financial stress. Our credit cards come with rewards that fit your lifestyle be it travel points or cashback options. This way, every purchase helps you earn something back!

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that make it easy for you to manage your day-to-day finances. Imagine having a checking account that fits seamlessly into your lifestyle while earning interest on your savings. With us, you can enjoy the convenience of online and mobile banking, allowing you to check balances, transfer funds, and pay bills anytime, anywhere. If you're considering purchasing a vehicle, our auto loans and vehicle financing options can help you hit the road without breaking the bank. We understand that every member's situation is different, which is why we provide flexible terms and competitive rates. For those looking to settle down in their dream home, our mortgage loans and refinancing services are here to guide you through the process. We simplify what can often be overwhelming so that you can focus on making memories in your new space.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services, you can access your accounts anytime through https://www.cefcu.com/. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. We make it easy for you to stay on top of your finances without the need to visit a branch.

Mobile Banking at Your Fingertips

Take banking on the go with our mobile application Yes. Easily manage your accounts from your smartphone or tablet, and enjoy the convenience of mobile payments Yes. Whether you're shopping or dining out, making payments has never been easier.

Real-Time Transfers Made Easy

While person-to-person transfers aren't currently available No, our other digital services ensure that managing your money is simple and straightforward. From real-time alerts to instant balance updates, you'll always know where you stand financially. At Citizens Equity First, we aim to provide accessible and user-friendly solutions that fit seamlessly into your life. Experience the convenience of digital banking today by visiting https://www.cefcu.com/ and take charge of your financial journey with confidence!

Security You Can Trust

Your security is our top priority. Our online banking platform features robust security measures, including electronic signature authorization Yes for important transactions. You can rest easy knowing that your personal information is safe with us.

Stay Organized with E-Statements

Say goodbye to paper clutter! With e-statements available Yes, you can receive your account statements electronically. This not only helps you stay organized but also reduces your environmental footprint.

Financial Strength

Growing Member Base

With a total of 776,575 share accounts, we have a strong and growing member base that trusts us with their finances. Net shares available for lending stand at $8,426,764, highlighting our capacity to support member needs effectively. 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 5401 W Everett M Dirksen Pkwy Peoria IL 61607 or call (309) 633-7000 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which shows that we manage our resources effectively while continuing to offer competitive loan rates and solid financial products for our members. We 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 commitment to lending is evident with $85,043 in used auto loans and a total of $5,989,870,538 in loans and leases supporting members' financial goals across various sectors.

Secure Savings Opportunities

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 also provide refinancing options to ensure you can adjust your loan terms as your circumstances change.

Credit Lines

For those who prefer more flexibility in their borrowing, our credit lines total $2,762,497,585 and are designed to give you access to funds when you need them most. This can be particularly beneficial for unexpected expenses or planned projects. Our branch is conveniently located at 5401 W Everett M Dirksen Pkwy Peoria IL 61607, and we're available to answer any questions you may have at (309) 633-7000 during our operating hours from 7:30 a.m. to 5:00 p.m. Remember that all performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today or explore more about our loan products online at https://www.cefcu.com where you can find eligibility information and begin your application process!

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 through the process.

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 provides you with the purchasing power you need while keeping repayment manageable.

Loan Aggregator

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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 ensures that all offers are fair and transparent. By working with trusted financial institutions, LendMesh provides users with accurate information that reflects current market conditions.