Citizens Equity First Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
East Peoria Member Center	501 Richland St, East Peoria, IL 61611	View Lobby Hours
Springfield South Sixth Street	1000 E Lincolnshire Blvd, Springfield, IL 62703	View Lobby Hours
Bloomington Veterans Member Center	1114 S Veterans Pkwy, Bloomington, IL 61704	View Lobby Hours
Valley Park Member Center	200 N MacArthur Hwy, Peoria, IL 61605	View Lobby Hours
Summershade Circle Member Center	5211 W Landens Way, Peoria, IL 61615	View Lobby Hours
Northpoint Member Center	8629 N Knoxville Ave, Peoria, IL 61615	View Lobby Hours
Downtown (Peoria) Member Center	221 FULTON ST, PEORIA, IL 61602	View Lobby Hours
Pekin Member Center	3515 Court St, Pekin, IL 61554	View Lobby Hours
Morton Member Center	825 Detroit Ave, Morton, IL 61550	View Lobby Hours
CEFCU Financial Center	7900 N University St, Peoria, IL 61615	View Lobby Hours
Canton Member Center	18 E Elm St, Canton, IL 61520	View Lobby Hours
Lincoln Member Center	341 5th St, Lincoln, IL 62656	View Lobby Hours
Normal Member Center	3 Traders Cir, Normal, IL 61761	View Lobby Hours
Bloomington Empire Member Center	2323 E Empire St, Bloomington, IL 61704	View Lobby Hours
Decatur Member Center	3301 N Woodford St, Decatur, IL 62526	View Lobby Hours
Evergreen Member Center	2980 E Capitol Expy Ste 90, San Jose, CA 95148	View Lobby Hours
Sheridan Village Member Center	900 W Lake Ave, Peoria, IL 61614	View Lobby Hours
Chillicothe Member Center	110 S 4th St, Chillicothe, IL 61523	View Lobby Hours
Eureka Member Center	514 W Center St, Eureka, IL 61530	View Lobby Hours
Germantown Hills Member Center	510 Jubilee Ln, Germantown Hills, IL 61548	View Lobby Hours
Willow Glen Member Center	670 Lincoln Ave, San Jose, CA 95126	View Lobby Hours
Springfield Dirksen Member Center	2449 N Dirksen Pkwy, Springfield, IL 62702	View Lobby Hours
Santa Clara Member Center	3607 El Camino Real, Santa Clara, CA 95051	View Lobby Hours
CEFCU	5401 W Everett M Dirksen Pkwy, Peoria, IL 61607	View Lobby Hours
Airport (Peoria) Member Center	5401 W Everett M Dirksen Pkwy, Peoria, IL 61607	View Lobby Hours
Springfield Iles Member Center	2424 W Iles Ave, Springfield, IL 62704	View Lobby Hours
Washington Member Center	100 Legion Rd, Washington, IL 61571	View Lobby Hours
Branham Member Center	171 Branham Ln Ste 12, San Jose, CA 95136	View Lobby Hours
Canton Member Center	175 E Elm St, Canton, IL 61520	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 292473	5.864%	5.750%	0.63	$3,969	$1,868	Learn More
NMLS ID: 3030						Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

Citizens Equity First Credit Union - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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