CITIZENS EQUITY FIRST

PO Box 1715
Peoria, IL 61656

 

Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 68448
Date Established 1937
Assets $6,100.48 million
Loans $4,252.75 million
Deposits $5,398.98 million
Capital $631.90 million

Citizens Equity First is an NCUA insured institution located in Peoria, IL. It was founded in 1937 and has approximately $6100.48 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

Your Current Location: Virginia, VA 20146

CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD 10K
0.40% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 10K
0.65% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.71% $100,000 - Learn MoreShow Less
Savings Rates (Share Account Rates) APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.65% $500 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.15% $5 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.25% $2,500 $24,999 Learn MoreShow Less
MM 25K
0.30% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $2,500 $4,999 Learn MoreShow Less

Loan Rates

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 Learn MoreShow Less
4 Year 2.59% 2.59% $548.84 Learn MoreShow Less
5 Year 2.59% 2.59% $444.68 Learn MoreShow Less
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
7.07% 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 $44,735,689 in non-current loans and $1,749,309 in owned assets. To cover these potential losses it had $631,896,256 in net worth and $26,060,712 in loans loss reserves. That gives it a Texas Ratio of 7.07%.

Net Worth
Citizens Equity First U.S. Average
10.35% 13.08%

Citizens Equity First FCU has a net worth of 10.35% 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.

Frequently Asked Questions On Citizens Equity First

What is Citizens Equity First?

A federal credit union, registered with the NCUA under certificate #68448.
Learn more about credit unions here.

Is Citizens Equity First FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Citizens Equity First?

Please see Field of Membership information above for information on who is eligible to join.

What are Citizens Equity First's share account and share certificate rates?

Citizens Equity First's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Citizens Equity First?

Citizens Equity First has total capital of $631.90 million. Full information on Citizens Equity First's financial position is located above.

Who owns Citizens Equity First?

Credit Unions are owned by their members.

Where are Citizens Equity First branches located?

See branch locations nearby.

Are Citizens Equity First ATMs Open 24/7?

Do Citizens Equity First ATMs accept cash deposits?

Can Citizens Equity First customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Citizens Equity First have a mobile app?

Does Citizens Equity First have mobile deposit?

Does Citizens Equity First have quick pay?

How can Citizens Equity First transfer money to other banks or credit unions?

Does Citizens Equity First report to credit bureaus?

Does Citizens Equity First use Chexsystems?

Does Citizens Equity First use Equifax?

What is Citizens Equity First's toll free phone number?

What is Citizens Equity First's ACH Routing Number?

What is Citizens Equity First's SWIFT code?

Where can I find Citizens Equity First's wire transfer form?

What is the Citizens Equity First address for deposits?

What Products Does Citizens Equity First Offer

Does Citizens Equity First offer mortgages?

Compare mortgage rates here.

Does Citizens Equity First offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens Equity First offer auto and RV loans?

Compare auto loan rates here.

Does Citizens Equity First offer student loans or personal loans?

Compare personal loan rates here.

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