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

Introduction

At Citizens Equity First, we believe in putting our members first, fostering a sense of community and trust since our establishment in 1937. Located at 2449 N Dirksen Pkwy, Springfield, IL 62702, our branch serves as a welcoming hub for over 402,409 members who rely on us for their financial needs. With total assets reaching an impressive $7,768,682,749 and total deposits of $357,663,736, we are committed to providing secure and reliable services that empower our community. While you can visit us at our Springfield location, any official correspondence should be sent to the same address. Our dedicated team of 1,022 employees is here to support you with various financial services ranging from personal banking and auto loans to mortgage refinancing and business banking. Under the leadership of CEO Matthew Mamer and Board President Joseph Needham, we strive to create meaningful connections with each member. With a robust net worth of $941,559,727 and cash in hand amounting to $91,356,492, we ensure that your funds are not only safe but also working for you through competitive rates and personalized solutions. Whether you're looking to open a new account or apply for a loan (with over 220,826 loans already granted), we are here every step of the way. We invite you to explore our offerings at https://www.cefcu.com or call us at 217-528-9441. Join us at Citizens Equity First your trusted partner in financial success!

Branch History & Mission

Citizens Equity First has a rich history that dates back to 1937, when it first opened its doors to the Springfield community. Since then, we have been dedicated to providing exceptional financial services while fostering a sense of belonging among our members. Located at 2449 N Dirksen Pkwy, Springfield, IL 62702, our branch has become a trusted partner for over 402,000 members who rely on us for their banking needs. Over the years, Citizens Equity First has experienced remarkable growth. With total assets reaching an impressive $7,768,682,749, we continue to expand our offerings to better serve our community. Our mission is simple yet powerful: to improve the financial lives of our members and contribute positively to the communities we serve. We achieve this by offering a variety of services such as checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. At Citizens Equity First, we believe in supporting our local community through outreach initiatives and partnerships with various organizations. We recognize that financial stability goes beyond banking; it's about empowering individuals and families to achieve their goals. Our commitment to community support is evident in everything we do. While members can visit us at our branch location for personalized service 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. official correspondence should be sent to our mailing address at 2449 N Dirksen Pkwy, Springfield, IL 62702. We are proud of the advancements we've made in providing accessible banking options. Our ATM availability ensures that members have easy access to their funds whenever they need them. Additionally, we offer drive-thru banking for quick transactions without leaving your vehicle. As we look toward the future, we invite you to join Citizens Equity First and experience the benefits of being part of a credit union that truly cares about its members and community. Together, let's work towards achieving your financial dreams! For more information or to become a member today, please visit our website.

Branch Location & Accessibility

Operating Hours

Our doors are open to serve 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. This flexible schedule allows you to find a time that works best for you.

Services Offered

At Citizens Equity First, we offer a variety of services designed to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Plus, enjoy the convenience of our drive-thru banking for quick deposits and withdrawals without leaving your vehicle. For added accessibility, an ATM is available on-site for all your cash withdrawal needs. We encourage you to reach out with any questions or simply drop by our branch! You can call us at 217-528-9441 or visit our website at cefcu.com for more information. We look forward to welcoming you into the Citizens Equity First family!

Member Eligibility

At Citizens Equity First, we believe that joining our community is not just about opening an account; it's about becoming part of a supportive family. If you're looking to become a member, you're in the right place! We welcome individuals who live or work in our service area, as well as their family members. This means if you're connected to someone already enjoying the benefits of membership here, you can easily join too. Plus, there are plenty of perks waiting for you, from personalized banking options to competitive rates on loans and savings accounts. Getting started is simple! You can find all the detailed eligibility criteria by visiting this link. If you have any questions or need assistance, feel free to give us a call at (217) 528-9441. And when you're ready to take the next step, opening an account is just as easy check out the process here. Our branch is located at 2449 N Dirksen Pkwy Springfield Il 62702, and we can't wait to welcome you into our growing family!

Business Banking & Commercial Services

Member Commercial Loans

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.

Non-Member Commercial Loans

We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions that can meet diverse needs.

Outstanding Portfolio

With an outstanding commercial loan portfolio of $684,214,774, we continue to drive economic growth by financing new and expanding businesses in the Springfield, IL area. In addition to loans, we offer robust merchant services designed to streamline transactions and enhance customer experiences. For example, imagine being able to accept payments easily from your customers while managing your cash flow efficiently. Our tools make it simple for you to focus on what matters most growing your business. Explore how Citizens Equity First can partner with you on your journey to success. Visit us at 2449 N Dirksen Pkwy Springfield Il 62702, Springfield, IL 62702 or give us a call at (217) 528-9441. Together, let's build a brighter future for your business!

Comprehensive List Of Services

Business Banking Services

For small business owners, we offer essential resources like merchant services and business loans. Let us help you take your business to the next level by providing financing solutions that align with your goals.

Convenient Access

We know that life can get busy, which is why we provide various ways for you to access your accounts easily. Our ATMs allow for quick withdrawals and balance checks anytime you need them. If you prefer face-to-face interactions for basic transactions like deposits or withdrawals, our drive-thru service makes banking hassle-free. In today's fast-paced world, digital banking is crucial. That's why we emphasize the importance of online and mobile banking features that ensure you're always connected to your finances no matter where life takes you.

Personal Banking Solutions

When it comes to managing your everyday finances, our checking and savings accounts are designed to help you save money while making transactions easy. Imagine having access to your funds whenever you need them through our convenient online and mobile banking options. You can check balances, transfer funds, and even deposit checks with just a few taps on your phone. For those dreaming of owning a car, our auto loans and vehicle financing options make it simple to get behind the wheel without breaking the bank. Picture driving away in your new car with competitive rates tailored to fit your budget. Additionally, if you're considering buying a home or refinancing your existing mortgage, our expert team is here to guide you through the process with personalized mortgage loans. If you find yourself needing extra cash for unexpected expenses or want to consolidate debt, look no further than our personal loans. We offer flexible terms that can be customized to suit your situation. Plus, our credit cards with rewards allow you to earn points on every purchase great for those who love to shop!

Reach Out Today!

We invite you to explore all the services available at Citizens Equity First. Whether you're interested in opening an account or learning more about our loan options, we're here for you! Feel free to call us at 217-528-9441 or visit us in person at our Springfield location. Let's work together towards achieving your financial goals!

Digital & Online Banking

Accessibility & Real-Time Management

One of the best parts about our digital banking services is how accessible they are. You can check your account balance, pay bills, and even set up alerts for important transactions all from the comfort of your home. And while person-to-person transfers aren't available right now, we're always looking for ways to enhance your banking experience. Managing your finances in real-time has never been easier. Our 24/7 online banking allows you to stay updated on your financial situation anytime you need it. With these tools at your disposal, you'll have everything you need to make informed decisions about your money. Join us at Citizens Equity First today and take advantage of our robust digital banking options that prioritize both convenience and security!

Key Services

With just a few clicks, you can access all of your banking needs through our online platform at https://www.cefcu.com/. From checking your balance to transferring funds, everything is streamlined for a user-friendly experience. Plus, if you prefer to handle banking on the move, our mobile application makes it even simpler. You can download it today and enjoy features like mobile payments, allowing you to make quick transactions without the hassle of cash or cards. Security is paramount in today's digital world. At Citizens Equity First, we offer electronic signature authorization, ensuring that your transactions are secure and verified. You can also opt for e-statements, which not only save paper but also let you manage your documents easily from anywhere.

Financial Strength

Commitment to Growth

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 lending capacity supports members' financial goals across various sectors with $85,043 in used auto loans and an impressive $5,989,870,538 in total loans and leases.

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

Our operational efficiency is reflected in our net income of $0, showcasing how effectively we manage resources while continuing to provide excellent service without compromising on quality. 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.

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.

Trust Built on Reliability

Total Share Accounts: 776575, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $8,426,764. 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 2449 N Dirksen Pkwy Springfield Il 62702 or call 217-528-9441 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Our auto loan options cater to both new and used vehicles. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we have the right loan for you. With total auto loans reaching $170,086, we ensure our members benefit from affordable monthly payments and flexible terms.

Business Loans

For business owners seeking growth opportunities, we also offer outstanding commercial loans totaling $684,214,774. These loans provide essential capital for expansion and operational needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and straightforward. We offer Junior Lien 1-4 Family Residential Property loans totaling $180,125,149. This means whether you're purchasing your first home or refinancing an existing mortgage, we're here to assist you every step of the way.

Refinancing Options

If you're considering refinancing your current loans or exploring eligibility options for any of our products, feel free to ask us about it during your visit or call us directly. We're committed to providing solutions that work for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. To learn more about our loan offerings or to apply online today, visit us at Citizens Equity First. Our team is ready to help you navigate your financial journey!

Unsecured Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. With a total of $142,483,010 in these loans available, we provide flexible terms that allow our members to handle their finances more effectively.

Loan Aggregator

No Sponsored Listings

LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This commitment to neutrality means users can focus solely on finding the best rates without worrying about hidden agendas.

Real-Time Rate Comparisons

With up-to-date loan rates from multiple institutions, LendMesh helps users make informed decisions. The real-time nature of these comparisons ensures you are looking at the most current offerings available. 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!" This type of feedback highlights how effective LendMesh can be in meeting user needs. 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.

Verified Data

Loan offers are sourced from legitimate financial institutions, ensuring transparency. Each lender listed has been vetted to guarantee that only trustworthy options are presented to you.