CITIZENS EQUITY FIRST

PO Box 1715
Peoria, IL 61656

Phone: 1-309-633-7048

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 68448
Date Established 1937
Assets $5,974.50 million
Loans $4,328.26 million
Deposits $5,263.89 million
Capital $650.81 million

Citizens Equity First is an NCUA insured institution located in Peoria, IL. It was founded in 1937 and has approximately $5974.5 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.

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 - March 18, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.35% $2,500 $24,999 Learn MoreShow Less
Money Market
0.50% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
1.20% $500 $99,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.60% $1,000 $99,999 Learn MoreShow Less
0.85% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.90% $100,000 - Learn MoreShow Less
1.20% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
1.25% $100,000 - Learn MoreShow Less
1.40% $1,000 $99,999 Learn MoreShow Less
1.60% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
2.00% $1,000 $99,999 Learn MoreShow Less
2.15% $1,000 $99,999 Learn MoreShow Less
2.30% $1,000 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.15% $5 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $4,999 Learn MoreShow Less

Loan Rates - March 18, 2019

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 2.59% 2.59% $722.52
4 Year 2.59% 2.59% $548.84
5 Year 3.24% 3.24% $451.89
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

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:
Ashburn,Virginia


Citizens Equity First Locations


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
4.23% 6.94

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 March 31, 2018, Citizens Equity First had $27,345,293 in non-current loans and $1,254,841 in owned assets. To cover these potential losses it had $650,810,258 in net worth and $26,035,712 in loans loss reserves. That gives it a Texas Ratio of 4.23%.

Net Worth
Citizens Equity First U.S. Average
10.89% 13.08%

Citizens Equity First FCU has a net worth of 10.89% versus the BestCashCow average of 13.08. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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