Citizens Equity First Credit Union

Headquarters

Po Box 1715
Peoria, IL 61656
See all branch locations →

Phone 1-309-633-7048

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.45% 0.85% →
2-Year CD 0.76% 0.87% →
5-Year CD 1.30% 1.30% →
30-Year Mortgage 4.01% 2.81% →
15-Year Mortgage 3.52% 2.36% →
HELOC N.A. 2.79% →

2022 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 $7597.69 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 $7,597.69 million
Loans $4,955.46 million
Deposits $6,763.72 million
Capital $757.11 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 - January 21, 2022

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.55% $10,000 $14,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.76% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
0.95% $100,000 $199,999 Learn More
48 Mo CD
1.05% $10,000 $14,999 Learn More
48 Mo CD
1.11% $100,000 $199,999 Learn More
60 Mo CD
1.25% $10,000 $14,999 Learn More
60 Mo CD
1.30% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - January 21, 2022

Your Current Location: Washington, WA 98109

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
5 Year 3.64% 3.64% $456.36
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:
Seattle,Washington


Citizens Equity First Locations



Climate 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.

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
3.72% 3.93

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 September 30, 2021, Citizens Equity First had $27,316,726 in non-current loans and $2,082,177 in owned assets. To cover these potential losses it had $757,113,668 in net worth and $32,520,212 in loans loss reserves. That gives it a Texas Ratio of 3.72%.

Net Worth
Citizens Equity First U.S. Average
9.96% 12.37%

Citizens Equity First FCU has a net worth of 9.96% versus the BestCashCow average of 12.37. 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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