Citizens Equity First Credit Union Springfield IL | Best Auto Loans & Credit Cards

Introduction

Welcome to Citizens Equity First, your trusted financial partner located at 2424 W Iles Ave, Springfield, IL 62704. Established in 1937, we take pride in serving our community with a commitment to exceptional service and financial solutions tailored to meet your needs. With over 402,409 members and assets totaling an impressive $7,768,682,749, we are here to help you achieve your financial goals. At Citizens Equity First, we understand that every member's journey is unique. That's why our dedicated team of professionals, led by CEO Matthew Mamer and Board President Joseph Needham, is committed to providing personalized banking experiences. Our knowledgeable staff is always ready to assist you with everything from personal banking and auto loans to mortgages and business financing. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same address: 2424 W Iles Ave, Springfield, IL 62704-4330. We are proud to offer a wide range of services, including checking and savings accounts, credit cards with rewards, and online banking options for your convenience. With total deposits of $357,663,736 and a net worth of $941,559,727, Citizens Equity First stands strong as a reliable institution where your money is safe and secure. We also maintain a cash reserve of $91,356,492, ensuring we are well-equipped to support our members' borrowing needs totaling 220,826 loans and leases. Our mission goes beyond just banking; we aim to make a positive impact on the community by empowering our members with the financial tools they need to thrive. Whether you're looking for a new vehicle loan or seeking assistance in managing your finances effectively, we're here for you every step of the way. Feel free to reach out at (217) 546-0076 or visit our website at https://www.cefcu.com for more information about our services or to schedule an appointment. Join us today and experience the difference that comes with being part of the Citizens Equity First family!

Branch History & Mission

Community Focus

Community is at the heart of what we do. We actively engage in outreach programs and partnerships that enhance local development and support those in need. Our commitment goes beyond banking; we aim to be a resource for education about financial literacy and responsible money management. As technology evolves, so do we. Citizens Equity First embraces digital advancements while maintaining traditional values of trust and service. Our drive-thru banking and ATM availability ensure that you can access your funds quickly when needed. We invite you to join Citizens Equity First today! Experience firsthand how we're dedicated to helping you achieve your financial goals while being an integral part of the Springfield community. Reach out at 217-546-0076 or visit us online at cefcu.com to learn more about membership benefits or start your journey with us today!

Our Mission

At Citizens Equity First, our mission is clear: we strive to improve the lives of our members by offering exceptional financial services while fostering a strong sense of community. We prioritize accessibility and support for our members through various initiatives like online and mobile banking, which allow for easy management of finances from anywhere. Additionally, we provide ADA-compliant facilities ensuring everyone can access our services comfortably. While members can visit us at 2424 W Iles Ave, official correspondence should be sent to 2424 W Iles Ave, Springfield, IL 62704-4330. Our branch is open Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 8:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m., making it convenient for you to stop by whenever suits your schedule.

Branch Location & Accessibility

Call to Action

Whether you're already a member or thinking about joining our community, we invite you to visit us at the Springfield Iles Member Center or give us a call at 217-546-0076. Experience the difference with personalized service tailored just for you!

Nearby Landmarks & Accessibility

Situated near popular local landmarks, our branch is easy to find. You can access us just off major roads, making it simple to swing by on your way to other errands. We offer ample parking and our facilities are designed with accessibility in mind, ensuring that everyone can easily visit us. For those who prefer drive-thru service, we have you covered with convenient drive-thru banking options available.

Operating Hours & Services

We understand that your time is valuable. That's why we're open Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 8:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. Our dedicated staff is here during these hours to provide personal banking services, auto loans, mortgages, credit cards with rewards, and more. At Citizens Equity First, we also feature an ATM for quick cash withdrawals and balance checks, ensuring you have access to your funds whenever you need them.

Member Eligibility

At Citizens Equity First, we believe that becoming a member is like joining a warm and welcoming family where your financial well-being is our top priority. If you're looking to join us, you'll be pleased to know that eligibility is open to anyone who lives or works in the communities we serve. This includes those who have family members already with us, making it easy for friends and loved ones to benefit from our services together. For more specific details about eligibility, feel free to visit our website at https://www.cefcu.com/personal/learn/membership-benefits.html. Joining Citizens Equity First not only opens the door to exclusive financial products and services but also brings you into a community that cares about your goals and aspirations. To start the process, simply reach out to us at (217) 546-0076 or visit us in person at our branch located at 2424 W Iles Ave Springfield Il 62704. We're here to help guide you every step of the way, making membership accessible and straightforward. For more information on how to open an account, check out this link: https://www.cefcu.com/apply-for-a-loan.html. We can't wait to welcome you!

Business Banking & Commercial Services

Financing Options to Fuel Your 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 Make Transactions Easy

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments quickly and securely, whether it's in-store or online. With our tailored solutions, you can focus on what really matters growing your business without worrying about cash flow hiccups. Located at 2424 W Iles Ave, Springfield, IL 62704, our team is ready to partner with you on your journey towards success. Reach out today at 217-546-0076 to discover how we can help your business thrive!

Comprehensive List Of Services

Business Banking Solutions

At Citizens Equity First, we recognize that businesses also require robust financial support. Our business banking services, including merchant services and business loans, provide the necessary tools for entrepreneurs to thrive. Whether you're just starting out or looking to expand, we're here to help.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking services that allow you to manage your accounts from anywhere. With features like mobile payments and electronic statements, accessing your finances has never been easier. For cash transactions, our branch provides reliable ATM and cash withdrawal services, along with basic drive-thru banking for quick deposits, withdrawals, and simple transactions. We want you to spend less time worrying about banking and more time focusing on what matters most.

Credit Cards and Rewards

Don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases! Imagine treating yourself to something special simply by using your card wisely.

Get In Touch!

If you have any questions about our services or would like assistance with your financial needs, please don't hesitate to reach out! You can contact us at 217-546-0076 during our operating hours Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 8:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. At Citizens Equity First in Springfield, IL, we're not just here for transactions; we're here for relationships! Join us today and discover how we can help you achieve your financial dreams!

Personal Banking Services

We understand that managing your finances can be overwhelming at times. That's why we offer various personal banking options tailored to fit different lifestyles. From checking and savings accounts to help you manage your day-to-day expenses and savings goals, we ensure that you have access to funds when you need them. If you're considering purchasing a vehicle, our auto loans and vehicle financing services make it easy for you to get on the road without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing options are designed with competitive rates and flexible terms. Plus, if you're facing debt challenges, our personal loans and debt consolidation services can help simplify your payments into one manageable monthly bill.

Digital & Online Banking

Key Services Offered

Our online banking platform, accessible at https://www.cefcu.com/, allows you to handle all your banking needs anytime you want. With 24/7 access, you can check your account balances, transfer funds, and pay bills without needing to visit a branch. Plus, if you prefer to receive your statements electronically, we offer e-statements for quick and easy access to your financial information. For those who like to stay connected through their mobile devices, our user-friendly mobile application makes banking even more convenient. You can make mobile payments effortlessly and enjoy real-time account management right from the palm of your hand. While we currently do not support person-to-person transfers, our other services ensure that managing your money is straightforward and efficient. Security is a top priority for us. That's why we use electronic signature authorization for safe transactions and communications. You can feel confident knowing that your financial information is protected while using our digital platforms. At Citizens Equity First, we're committed to making banking accessible and stress-free. With our digital services, you're always in control of your finances whenever and wherever you need it!

Financial Strength

A Growing Community

We are proud to serve 402,409 members with a total of 776,575 share accounts, showing a strong and growing member base that trusts us with their finances. Our commitment to community is unwavering as we continue to focus on your financial well-being. 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 2424 W Iles Ave Springfield Il 62704 or call 217-546-0076 to learn more about how we can help you achieve your financial goals.

A Strong Financial Foundation

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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings Options

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, which enables 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.

Reinvesting 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 supports your financial goals with $85,043 in used auto loans and a total of $5,989,870,538 in loans and leases available to meet your needs.

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. Whether you want a brand-new model or a reliable used vehicle, our financing options can make it easier for you to drive away in the car of your choice.

Business Loans

For business owners, our outstanding commercial loans totaling $684,214,774 provide the capital needed to grow and expand. We recognize that managing a business comes with unique challenges and opportunities; thus we are here to support you every step of the way. At Citizens Equity First located at 2424 W Iles Ave Springfield IL 62704, we are dedicated to making banking more personal and accessible for everyone. You can reach us at 217-546-0076 during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 8:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. 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 we can assist you by visiting our website here, where you can find more information about our loan offerings or start your application 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. We strive to make the process straightforward and accessible for our members. If you're considering refinancing your current mortgage or exploring eligibility options, our team is here to guide you through every step.

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. Our credit cards come with various features designed to cater to your spending habits while providing ease of access and convenience.

Loan Aggregator

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