Citizens Equity First Credit Union Peoria IL | Low Mortgage Rates & Business Banking

Introduction

Welcome to Citizens Equity First, where our commitment to you is at the heart of everything we do. Located at 8629 N Knoxville Ave, Peoria, IL 61615, we have been proudly serving our community since 1937. With a vibrant membership base of over 402,409 members, we provide a range of financial services tailored to meet your needs. At Citizens Equity First, we understand that financial decisions can be challenging. That's why our dedicated team is here to guide you every step of the way. Under the leadership of CEO Matthew Mamer and Board President Joseph Needham, we strive to create an environment where our members feel valued and supported. Our total assets stand impressively at $7,768,682,749, which reflects our stability and reliability as a trusted financial partner. We offer a variety of services, including personal banking, auto loans, mortgage loans, and business banking solutions. With total deposits reaching $357,663,736, your funds are secure with us. We also take pride in our community impact; our commitment extends beyond just numbers. Our financial products are designed to empower you whether it's helping you finance your dream car or supporting local businesses with our loan programs. With over 220,826 loans issued, we're here to help turn aspirations into reality. While members can visit us at 8629 N Knoxville Ave, official correspondence should be sent to the same address for convenience. If you have any questions or need assistance, feel free to reach out to us at (309) 633-7400 during our operating hours: Monday through Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. Join us today by visiting our website or calling us for more information about how we can serve you better. At Citizens Equity First, your financial success is our mission!

Branch History & Mission

Community Impact

Citizens Equity First is also proud of its partnerships with local organizations aimed at enhancing community welfare. Through outreach programs and initiatives designed to support education, health, and economic development, we work tirelessly to make a positive impact in Peoria. As technology continues to advance, so do we. Our digital banking options include online banking and mobile payments that are designed with user convenience in mind while ensuring ADA compliance for accessibility.

Join Us

We invite you to experience the benefits of being part of Citizens Equity First. Discover how our member-focused approach can help you reach your financial aspirations. With convenient operating hours from Monday through Friday (8:00 a.m. - 5:00 p.m.) and Saturday (9:00 a.m. - 1:00 p.m.), along with ATM availability and drive-thru banking options, accessing your finances has never been easier. Join us today! Visit our website or call us at (309) 633-7400 for more information on becoming a member or exploring our wide range of services!

Our Journey

Since our opening year, Citizens Equity First has evolved significantly. We began with a small group of visionaries dedicated to making banking more accessible and community-oriented. Over the years, we have expanded our offerings and enhanced our services while staying true to our mission: empowering individuals and families through sound financial solutions and exceptional support. Our commitment goes beyond just banking; it is about fostering connections and improving lives in Peoria and surrounding areas. Today, we boast total assets of approximately $7.77 billion, reflecting our stability and growth in the financial sector. As a member-focused credit union, we prioritize your needs by offering diverse services such as personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions.

Our Mission

At Citizens Equity First, we believe in the power of community. Our mission is to provide high-quality financial products and services while giving back to the neighborhoods we serve. We are dedicated to helping you achieve your financial goals through responsible lending practices and personalized service. We understand that every member's journey is unique. That's why we strive to create an inclusive environment where everyone feels welcome and valued. Whether you're visiting us for basic banking needs or seeking guidance on complex financial decisions, our knowledgeable team is here for you every step of the way. While members can visit us at 8629 N Knoxville Ave Peoria Il 61615, official correspondence should be sent to 8629 N Knoxville Ave, Peoria, IL 61615-1718.

Branch Location & Accessibility

Accessible Location

Our branch not only provides a prime location but also prioritizes accessibility for all members. With ADA-compliant features and ample parking available, visiting us is simple and hassle-free. If you're looking for a quick banking experience, take advantage of our drive-thru service, which allows for quick deposits and withdrawals without leaving your vehicle.

Call to Action

We invite you to visit us at the Northpoint Member Center for all your banking needs or give us a call at 309-633-7400 if you have any questions. Our dedicated team is excited to serve you!

Operating Hours

We understand that your time is valuable. That's why we are open Monday through Friday from 8:00 a.m. to 5:00 p.m., and on Saturdays from 9:00 a.m. to 1:00 p.m. This schedule ensures that whether you need to stop by during the week or prefer a weekend visit, we'll be ready to help.

Services Offered

At Citizens Equity First, we offer a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans, mortgage services, and credit cards with rewards there's something for everyone. Plus, with our ATM availability right at the branch, accessing cash or checking your balance is just steps away. While members can visit us at 8629 N Knoxville Ave, official correspondence should be sent to the same address as well as our mailing address: 8629 N Knoxville Ave, Peoria, IL 61615-1718.

Member Eligibility

Becoming a member of Citizens Equity First feels like stepping into a welcoming community that truly cares about your financial well-being. To join us at our Peoria branch located at 8629 N Knoxville Ave Peoria Il 61615, you'll find that eligibility is designed to be inclusive and straightforward. If you live, work, worship, or attend school in the area, you're likely eligible! We also welcome family members of existing members, making it easy to share the benefits of membership with loved ones. Enjoy competitive rates on loans and savings accounts, personalized service, and a range of financial products tailored to your needs. For more detailed information on eligibility criteria, feel free to check out this resource: https://www.cefcu.com/personal/learn/membership-benefits.html. Opening an account with us is a breeze! You can get started by visiting our website for easy online application options at https://www.cefcu.com/apply-for-a-loan.html. Should you have any questions along the way or need assistance, don't hesitate to reach out at (309) 633-7400. We're here to help you take that important step toward becoming part of our vibrant member family!

Business Banking & Commercial Services

Business Loans Tailored 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 having the ability to accept payments seamlessly, manage transactions efficiently, and focus on what truly matters your customers. Our merchant services provide you with the tools you need to simplify payment processing and enhance customer satisfaction. From card payments to online transactions, we're here to help your business thrive in every way possible. Visit us at 8629 N Knoxville Ave Peoria Il 61615, Peoria, IL or give us a call at (309) 633-7400 to learn how we can partner with you on your business journey!

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, we understand the importance of reliable banking services. Our business banking solutions include merchant services and business loans tailored to help you grow your business efficiently. We're here to support local businesses in achieving their dreams.

Convenient Access

Accessing your funds has never been easier! We have ATM services available for quick cash withdrawals and balance checks whenever you need them. Plus, our drive-thru service makes it simple for members to complete basic transactions without leaving their vehicles.

Credit Options

Credit cards can also play a significant role in managing your finances. At Citizens Equity First, we offer credit cards with rewards that allow you to earn points on every purchase. Picture yourself traveling or shopping with the benefits you've accumulated just by using your card!

Digital Banking Features

In today's fast-paced world, staying connected is crucial. That's why our online and mobile banking features allow you to manage your accounts on-the-go. You can enjoy features like e-statements and mobile payments, making it easier than ever to handle your finances from wherever you are. We invite you to explore all these fantastic services at Northpoint Member Center. For any inquiries or assistance, feel free to reach out at (309) 633-7400. Your financial well-being is our priority! Come visit us today at 8629 N Knoxville Ave Peoria Il 61615 in Peoria, IL, and discover how we can help you achieve your financial goals.

Loans for Every Occasion

If you're considering purchasing a new vehicle, our auto loans and vehicle financing options could make that dream a reality. With competitive rates and flexible terms, we help you drive away in your ideal car without breaking the bank. For those looking to buy a home, our mortgage loans and refinancing options provide the support you need throughout the entire process. Need some extra cash for personal projects? Our personal loans are perfect for debt consolidation or unexpected expenses, ensuring you get back on track financially without unnecessary stress.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that cater to your everyday needs. Imagine having a checking account that allows you to easily manage your expenses while earning interest on your savings. Our accounts are designed for convenience, giving you access to online and mobile banking so you can check balances or transfer funds anytime, anywhere.

Digital & Online Banking

Key Features

Our online banking platform at https://www.cefcu.com/ is available 24/7, allowing you to check your account balances, transfer funds, and pay bills anytime you want. Whether you're at home or out running errands, you can stay connected to your accounts without any hassle. Plus, with e-statements available, you'll always have access to your financial information without the clutter of paper statements. We understand that security is essential in today's digital world. That's why we offer electronic signature authorization for your peace of mind when it comes to signing important documents online. You can complete transactions safely and securely without having to visit a branch in person.

Mobile Banking Made Easy

For those who prefer using their smartphones, our mobile application is here to help. With features like mobile payments, you can make purchases directly from your phone no cash or cards needed! This makes it simple to handle everyday transactions while keeping everything organized in one place. Although we currently do not offer person-to-person transfers, our robust online banking system ensures that you can still manage your money effectively and efficiently. In summary, our digital banking services at Citizens Equity First are designed with you in mind providing easy access to real-time account management while ensuring that your information stays secure. Join us today and experience the convenience of banking at your fingertips!

Financial Strength

Committed Team Ready to Serve

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. Our dedicated staff is here to assist you every step of the way.

Focused on Our Members

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 designed specifically for our members.

Member Trust

Total Share and Deposit Accounts stand at 776,575, showing a strong and growing member base that trusts us with their finances. This trust is the foundation upon which we build our services. 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 8629 N Knoxville Ave Peoria IL 61615 or call 309-633-7400 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our net income of $0 reflects our operational efficiency during this period. We strive to create an environment where members can access competitive loan rates and solid financial products tailored to their needs.

Reinvestment for Better Services

With $927,309,606 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. This commitment allows us to continually improve your experience with us.

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. These options provide peace of mind knowing your funds are in safe hands while earning competitive returns.

Solid Capital Foundation

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. This ratio shows that we have more than enough capital to manage risks and support growth.

Strong Net Worth

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. This robust figure reflects our ability to support our members' needs effectively.

Supporting Your Financial Goals

With $85,043 in used auto loans and $5,989,870,538 in total loans and leases, our lending capacity supports your financial goals across various sectors. Whether you're looking for a new vehicle or need assistance with personal loans or mortgages, we're here to help.

Loan Offering

Additional Financing Options

For business owners looking for growth opportunities, we also provide outstanding commercial loans totaling $684,214,774. These loans are designed to give businesses the capital needed for expansion and development. If you're interested in refinancing or exploring eligibility options for any of our loan products, please don't hesitate to reach out! You can contact us at 309-633-7400, and our friendly staff will be happy to assist you during our operating hours: Monday through Friday from 8:00 a.m. to 5:00 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 how Citizens Equity First can support your financial journey today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $1,509,535,444 in used vehicle loans and $713,341,413 in new vehicle loans, helping members get on the road with ease. Whether you're interested in financing a brand-new vehicle or a reliable used one, our flexible terms can fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $180,125,149. Our team is ready to assist you through the entire process to ensure you find the best fit for your financial situation.

Unsecured Credit Card Loans

Managing everyday expenses just got easier with our unsecured credit card loans. With a total of $142,483,010 in these loans available to members, we provide flexible terms that help you maintain control over your finances.

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 a focus on transparency and reliability, LendMesh helps consumers navigate the often complex world of loans with ease. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach is based on the latest results (Source: https://www.ncua.gov), guaranteeing fair and transparent offers for users. Each listed loan offer is verified, giving you confidence in the information presented. One of the key benefits of using LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh features no sponsored listings, meaning lenders are not prioritized based on paid promotions. This independence allows users to receive truly unbiased results. Moreover, LendMesh provides real-time rate comparisons from multiple institutions. This up-to-date information empowers users to make informed decisions about their borrowing options. 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!" 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.