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

Introduction

Welcome to Citizens Equity First, your trusted partner in financial wellness since 1937. Located at 1000 E Lincolnshire Blvd, Springfield, IL 62703, we proudly serve a vibrant community of over 402,000 members. Our commitment to providing personalized financial solutions is evident in our total assets of an impressive $7,768,682,749 and total deposits amounting to $357,663,736. At Citizens Equity First, we believe in the power of community. Our dedicated team of 1,022 employees, led by CEO Matthew Mamer and Board President Joseph Needham, strives to create meaningful relationships with our members. Whether you're looking for auto loans, mortgage refinancing, or personal banking services, we are here to guide you every step of the way. While you can visit us at our branch for all your banking needs, official correspondence should be directed to the same address: 1000 E Lincolnshire Blvd, Springfield, IL 62703. We invite you to explore our range of services designed to help you achieve your financial goals. With total loans reaching 220,826 and a net worth of $941,559,727, we are committed to fostering financial health in our community. Ready to take the next step? Call us today at 217-585-0580 or visit our website at cefcu.com to learn more about how we can support your financial journey!

Branch History & Mission

A Legacy of Service

Citizens Equity First was established with a mission to provide accessible financial services while promoting community welfare. Since our inception, we have focused on empowering our members through various financial products and services tailored to meet their unique needs. As we grew over the decades, our commitment to excellence remained unchanged. Our branch's journey reflects significant milestones in both membership growth and asset accumulation. Today, we proudly manage total assets of $7,768,682,749 an achievement that underscores our stability and trustworthiness in the financial landscape. With a team of dedicated employees serving our members every day, we are here to make banking not just easier but also more personal.

Commitment to Convenience

While members can visit us at our branch location at 1000 E Lincolnshire Blvd for all their banking needs including ATM services and drive-thru banking we strive for accessibility in every way possible. Our digital advancements ensure that you can manage your finances online or via mobile app with ease. We also comply with ADA standards so that everyone can enjoy seamless access to our services. For any official correspondence or inquiries beyond visiting us in person, please note that our mailing address is also 1000 E Lincolnshire Blvd, Springfield, IL 62703.

Join Us Today!

As we look forward to what lies ahead for Citizens Equity First and our valued members, we invite you to be part of this inspiring journey. Discover how we can help you reach your financial goals while contributing positively to the community around us. Call us today at 217-585-0580 or visit our website to learn more about becoming a member. Together, let's build a brighter future!

Our Mission

At Citizens Equity First, our mission is clear: we aim to enhance the lives of our members by providing exceptional financial solutions and fostering a sense of community. We believe that everyone deserves access to quality banking services without barriers. That's why we offer a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. We are also proud to support initiatives that give back to the Springfield area. From local partnerships to community outreach programs, our focus extends beyond mere transactions; it's about building relationships and supporting the people who walk through our doors.

Branch Location & Accessibility

Finding Us

Nestled in the heart of Springfield, our location is close to popular spots that many residents frequent. Whether you're coming from work or just running errands, you'll find us right off Lincolnshire Boulevard. Plus, we offer ample parking options so you can stop by without any hassle. For those who need assistance, our branch is ADA compliant with ramps and other accessibility features to ensure everyone can bank comfortably.

Get in Touch

Have questions or want more information? Don't hesitate to give us a call at 217-585-0580. Our friendly team is ready to assist you! Come visit us today and discover how we can help you achieve your financial goals with personalized service tailored just for you.

Operating Hours

Our doors 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., making it easy for you to drop in at a time that suits your schedule.

Services Offered

At Citizens Equity First, we provide a wide range of services designed to meet your financial needs, from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Need cash on the go? We have an ATM available for quick withdrawals and balance checks. If you prefer face-to-face interactions, our drive-thru service makes banking even more convenient for simple transactions. While members can visit us at 1000 E Lincolnshire Blvd, official correspondence should be sent to the same address since it doubles as our mailing address.

Member Eligibility

At Citizens Equity First, we believe that everyone deserves a supportive financial community, and becoming a member is a simple way to join ours! To qualify for membership, you just need to meet certain criteria. If you live, work, worship, or go to school in the areas we serve, you're likely eligible! We welcome individuals and families who share our commitment to community and financial well-being. For more detailed information on eligibility requirements, feel free to check out our dedicated page at https://www.cefcu.com/personal/learn/membership-benefits.html. Opening an account with us is straightforward and designed for your convenience. You can easily start the process online by visiting https://www.cefcu.com/apply-for-a-loan.html, or simply give us a call at (217) 585-0580 if you have any questions. We're here to help you every step of the way as you embark on your journey with Citizens Equity First at our location on 1000 E Lincolnshire Blvd Springfield Il 62703. Join us today and experience the benefits of being part of a credit union that truly cares!

Business Banking & Commercial Services

Business Loans That Fuel 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 for Everyday Needs

In today's fast-paced world, having reliable merchant services is crucial for smooth operations. Imagine being able to accept payments easily from customers while managing your cash flow efficiently. Our merchant services are designed to simplify transactions so you can focus on what you do best running your business. Located at 1000 E Lincolnshire Blvd, Springfield, IL 62703, our team is ready to assist you in finding the right financial tools to help your business thrive. Whether you're looking for loans or essential merchant services, we're committed to your success every step of the way. Call us at 217-585-0580 to learn more about how we can partner together for your business needs!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer business banking services that include merchant services and business loans designed to help your company thrive. We understand the unique challenges small businesses face and are here to support you every step of the way.

Convenient Access

At Citizens Equity First, we prioritize convenience. Our ATM and cash withdrawal services allow you to access your money quickly whenever you need it. We also have a drive-thru option for basic transactions like deposits and withdrawals so you don't have to leave your car.

Financial Flexibility

Need some extra cash? Our personal loans and debt consolidation services provide flexibility for those unexpected expenses or financial goals. Plus, with our credit cards that offer rewards, you can earn while you spend!

Join Us Today!

With our commitment to providing exceptional service and comprehensive financial solutions, we invite you to visit us at our Springfield branch or give us a call at 217-585-0580. Whether you're looking for personal banking assistance or business solutions, we're here to help you achieve your financial goals. Explore what we have to offer and become part of the Citizens Equity First family today!

Loans for Every Need

If you're thinking about buying a new car or refinancing an existing vehicle, our auto loans and vehicle financing can help you get on the road without breaking the bank. For those considering home ownership or looking to refinance their current mortgage, we offer mortgage loans and refinancing options that can suit various budgets.

Personal Banking

Whether you are looking to open a checking or savings account, we have options that fit your lifestyle. With easy online and mobile banking services, managing your accounts has never been easier. You can check your balance, transfer funds, or pay bills right from your smartphone or computer.

Digital & Online Banking

Additional Benefits

We also provide person-to-person transfers for easy money sharing with friends and family though currently this feature isn't available. But don't worry; our other offerings make up for it! At Citizens Equity First, we believe in empowering our members with tools that enhance their banking experience while keeping everything straightforward and accessible. Join us today and take advantage of the modern conveniences of online banking!

Key Features

Our online banking platform is available 24/7 at https://www.cefcu.com/, allowing you to check balances, transfer funds, and pay bills with just a few clicks. You can enjoy the freedom of banking on your schedule, whether you're at home or on the go. Security is our top priority. We offer electronic signature authorization, ensuring that your transactions are safe and protected. Plus, you can opt for e-statements, which not only reduce paper clutter but also give you instant access to your financial records whenever you need them.

Mobile Banking

For those who prefer banking on their phones, our mobile application brings all these features right to your fingertips. Whether it's making mobile payments or checking your account balance, everything is designed to be user-friendly and efficient. With our mobile app, you'll have complete control over your finances wherever life takes you.

Financial Strength

A Growing Community

We proudly serve a strong community with 776,575 total share accounts, showcasing the trust our members place in us for their financial management. Our net shares available for lending and investments stand at $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 1000 E Lincolnshire Blvd Springfield IL 62703 or call 217-585-0580 to learn more about how we can help you achieve your financial goals.

Committed to Growth

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 substantial; we have $85,043 in used auto loans and a total of $5,989,870,538 in loans and leases, supporting your financial goals across various sectors.

Member-Centric Savings Options

Your savings are secure with us. We hold $1,784,103,145 in share certificates and $1,320,323,090 in money market shares, offering stable and rewarding financial growth opportunities for 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.

Operational Excellence

Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products tailored to your needs. We pride ourselves on having 1,016 full-time employees and 6 part-time employees, ensuring that our branches are always ready to serve you with a knowledgeable and committed team.

Strong Financial Metrics

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 strive to make the financing process straightforward and beneficial for you.

Business Financing

For business owners, our outstanding commercial loans totaling $684,214,774 provide the capital needed to grow and expand. We are committed to supporting local businesses by offering tailored financing solutions that meet specific operational needs. If you're considering refinancing any existing loans or would like more information about eligibility options for our products, don't hesitate to reach out. Our knowledgeable staff at Citizens Equity First is here to help you navigate through all available options. You can contact us at 217-585-0580 or visit us at 1000 E Lincolnshire Blvd Springfield Il 62703 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!

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 purchasing your first home or looking to refinance an existing mortgage, our dedicated team is here to guide you through every step of the way.

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. These cards come with features designed to fit your lifestyle and spending habits.

Loan Aggregator

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