Citizens Equity First Credit Union
Headquarters
Po Box 1715
Peoria, IL 61656
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Phone 1-309-633-7048
2024 Overview
General Credit Union Information
Citizens Equity First is an NCUA insured institution located in Peoria, IL. It was founded in 1937 and has approximately $7458.55 millions in assets.
Who can join?
Membership Eligibility
You are eligible to become a CEFCU member if you meet any of these qualifications:
Anyone who lives or works in Fulton, Knox, Livingston, Logan, McLean, Macon, Marshall, Mason, Peoria, Putnam, Sangamon, Stark, Tazewell, or Woodford counties in Illinois.
Anyone who lives, works, or worships in Alameda, Contra Costa, or Santa Clara counties in California.
Employees or retirees of Caterpillar Inc., Caterpillar subsidiaries, or Caterpillar dealerships.
Employees or retirees of CEFCU's partner companies. (CEFCU partnership https://www.cefcu.com/business/)
Immediate family member of someone who is eligible to join the Credit Union.*
A member of a household that includes someone who is eligible to join the Credit Union.**
Spouse of a member who has passed away†
Employees or retirees of CEFCU.
*Immediate family members include relatives by blood or marriage or foster and adopted children of credit union members.
**A household is defined as people living in the same residence maintaining a single economic unit.
†If the surviving spouse establishes membership within six months of the member's death.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68448 |
| Date Established | 1937 |
| Assets | $7,458.55 million |
| Loans | $5,840.82 million |
| Deposits | $6,531.49 million |
| Capital | $850.41 million |
Field of Membership Restrictions
Membership in Citizens Equity First Credit Union is open to those who live or work in Knox, Fulton, Logan, Livingston, Macon, McLean, Mason, Marshall, Peoria, Putnam, Sangamon, Stark, Tazewell, or Woodford counties in Illinois, to those who live, worship or work in Contra Costa, Alameda, or Santa Clara Counties in California. Membership is also open to employees or retirees of Caterpiller, Inc., its dealerships and subsidiaries and to other partner companies.
Deposit Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.60% | $5 | $999 |
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|
| SAV
|
0.65% | $1,000 | $9,999 |
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| Savings
|
0.70% | $10,000 | - |
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|
Money Market
|
1.65% | $2,500 | $24,999 |
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|
|
Money Market
|
2.00% | $25,000 | $49,999 |
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|
Money Market
|
2.00% | $50,000 | $99,999 |
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|
|
Money Market
|
2.15% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month
|
4.00% | $1,000 | - |
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|
| 3 Month Jumbo
|
4.05% | $100,000 | - |
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|
| 6 Mo CD
|
4.75% | $1,000 | - |
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|
| 6 Mo CD
|
4.80% | $100,000 | - |
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|
| 12 Month My Save Certificate
|
4.25% | $5 | $1,000 |
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|
| 12 Mo CD
|
4.25% | $1,000 | - |
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|
| 12 Mo CD
|
4.30% | $100,000 | - |
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|
| 18 Mo CD
|
4.25% | $1,000 | - |
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|
| 18 Mo CD
|
4.30% | $100,000 | - |
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|
| 24 Mo CD
|
4.25% | $1,000 | - |
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|
| 24 Mo CD
|
4.30% | $100,000 | - |
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|
| 36 Mo CD
|
3.75% | $1,000 | - |
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|
| 36 Mo CD
|
3.80% | $100,000 | - |
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|
| 48 Mo CD
|
3.75% | $1,000 | - |
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|
| 48 Mo CD
|
3.80% | $100,000 | - |
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|
| 60 Mo CD
|
3.75% | $1,000 | - |
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|
| 60 Mo CD
|
3.80% | $100,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.30% | $2,500 | - | Learn More |
Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.54% | 5.54% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| 10 Year Loan
See Table |
6.74% | 6.74% | $1,147.73 | |
| 15 Year Loan
See Table |
6.99% | 6.99% | $898.27 | |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year | 3.64% | 3.64% | $456.36 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.02% | 7.00% | $2,876.25 | |
| 15 Year Fixed Jumbo See Amortization Table |
7.01% | 7.00% | $2,876.25 | |
| 20 Year Fixed Conforming See Amortization Table |
7.52% | 7.50% | $2,577.90 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.51% | 7.50% | $2,237.49 | |
| 30 Year Fixed Conforming See Amortization Table |
7.51% | 7.50% | $2,237.49 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.02% | 7.00% | $2,876.25 | |
| 15 Year Fixed Jumbo See Amortization Table |
7.01% | 7.00% | $2,876.25 | |
| 20 Year Fixed Conforming See Amortization Table |
7.52% | 7.50% | $2,577.90 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.51% | 7.50% | $2,237.49 | |
Compare with 7.004% APR and 6.875% 30-Year Fixed RATE from Tomo Mortgage, LLC.
See All Mortgage Rates |
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| 30 Year Fixed Conforming See Amortization Table |
7.51% | 7.50% | $2,237.49 | |
|
Compare with 7.004% APR and 6.875% 30-Year Fixed RATE from Tomo Mortgage, LLC.
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Citizens Equity First branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
CITIZENS EQUITY FIRST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Citizens Equity First Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Citizens Equity First. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Citizens Equity First | U.S. Average |
|---|---|
| 11.95% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Citizens Equity First had $104,517,341 in non-current loans and $1,304,762 in owned assets. To cover these potential losses it had $850,408,486 in net worth and $35,470,212 in loans loss reserves. That gives it a Texas Ratio of 11.95%.
Net Worth
| Citizens Equity First | U.S. Average |
|---|---|
| 11.38% | 13.62% |
Citizens Equity First FCU has a net worth of 11.38% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Citizens Equity First
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