Since its inception in 1937 the CITIZENS EQUITY FIRST CREDIT UNION has been serving it's members in
and around the Peoria, Illinois area
with exceptional financial products.
Currently led by
Mark Spenny,
the CITIZENS EQUITY FIRST CU has grown it's membership to
over
263,000 with assets of more than
$4,131,380,000.
They have
759 of full time employees
and 40 part time employees
with a
main office and 23 branch offices.
The CITIZENS EQUITY FIRST CREDIT UNION offers it's members a full service website that allows for true
"Banking From Home" functionality. Users have the ability
to apply for loans,
get account balance and history reports,
transfer money between accounts,
make bill payments,
and so much more.
Members can also take advantage of a full array of loans including
real estate,
business
and
new
and used
car loans.
There are also many types of mortgages and credit cards available.
CITIZENS EQUITY FIRST CREDIT UNION is registered as a Non-Federal State Chartered - Most are community based and easy to join type Credit Union. This means that
these are Non-Federal State Chartered Credit Unions. Most are community based and easy to join.
Please see the credit unions website or contact them at
309-633-7077 to get exact details.
GENERAL INFO OF CITIZENS EQUITY FIRST CREDIT UNION
CITIZENS EQUITY FIRST CREDIT UNION BRANCH LOCATIONS
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CITIZENS EQUITY FIRST CREDIT UNION LOCATIONS
Click on any CITIZENS EQUITY FIRST CU location link to see the location placed into the map above. Driving
directions are also available if you need them.
CITIZENS EQUITY FIRST CREDIT UNION also belongs to a shared branch service center. What this means is that
members of the CITIZENS EQUITY FIRST CU can also utilize thousands of other Credit Union branch
locations to perform almost any banking function they need done. Just show your
identification and account information at any of these branches and you'll be able to get
checks cashed or deposit money almost anywhere. This shared branch co-operative is another
great example of Credit Union membership benefits over traditional banking institutions.
Please get the full details at the CITIZENS EQUITY FIRST CREDIT UNION website link above.
Loan and Deposit Rates for the CITIZENS EQUITY FIRST CU
Please Note: The National Credit Union Administration (NCUA) requires all Credit Unions
Insured by the National Credit Union Share Insurance Fund (NCUSIF)to file quarterly (5300)
data reports. The information below comes from those reports.
The deposit and loan rates
shown are not the current rates for the CITIZENS EQUITY FIRST CREDIT UNION. Some of these rates change on a daily
basis and you must visit the Credit Unions website
www.cefcu.com to get their current rates. The sole purpose of showing this data is to show the relative relationship of
CITIZENS EQUITY FIRST CU 's rates versus the average rates of all Credit Unions at both the state and
national levels at a specific point in time, quarter end.
The data below is from quarter end 03/31/2009. You may also want to look at our pages that
show all
Credit Union Loan and Deposit Rates in Illinois or
Credit Union Loan and Deposit Rates in the USA.
From those
pages you'll be able to investigate specific types of loans and deposit rates and sort the
data to find what Credit Unions are offering the best rates or the highest deposit rates.
Deposit Type
CITIZENS EQUITY FIRST
State Average
National Average
cefcu.com Deposit Rates at Quarter End
Checking Rate %
0.00%
0.53%
0.44%
Regular Savings Rate %
0.90%
1.03%
0.87%
Money Market Rate %
1.39%
1.48%
1.39%
Certificates of Deposit Rate %
2.13%
2.49%
2.54%
IRA/KEOGH Rate %
3.44%
2.25%
2.28%
All Other Savings Rate %
0.80%
0.97%
0.97%
cefcu.com Loan Rates at Quarter End
Unsecured Credit Card Loan Rate %
8.99%
11.20%
10.99%
All Other Unsecured loans/Lines of Credit Rate %
12.00%
12.23%
12.08%
cefcu New Car Loan Rate %
4.74%
5.86%
6.14%
cefcu Used Car Loan Rate %
5.24%
7.21%
7.31%
1st Mortgage Real Estate/Lines of Credit Rate %
5.13%
5.73%
6.14%
Other Real Estate Loans/Lines of Credit Rate %
6.49%
5.67%
6.25%
All Other Loans/Lines of Credit Rate %
14.15%
6.93%
7.26%
CITIZENS EQUITY FIRST CREDIT UNION Assets Range Over Last 10 Years
$5,000,000,000
$4,000,000,000
$3,000,000,000
$2,000,000,000
$1,000,000,000
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
CITIZENS EQUITY FIRST CU Outstanding Loans Over Last 10 Years
$4,000,000,000
$3,200,000,000
$2,400,000,000
$1,600,000,000
$800,000,000
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
CITIZENS EQUITY FIRST CREDIT UNION Total Deposits Over Last 10 Years
$4,000,000,000
$3,200,000,000
$2,400,000,000
$1,600,000,000
$800,000,000
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
CITIZENS EQUITY FIRST CU Total Membership Count Over Last 10 Years
300,000
240,000
180,000
120,000
60,000
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
CITIZENS EQUITY FIRST CREDIT UNION Branch Locations
30
24
18
12
6
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
The above graphs attempt to give our visitors a quick reflection into the CITIZENS EQUITY FIRST CREDIT UNION business trends over the past 10 year period. Sometimes a visual chart can tell a story a lot
faster and clearer than just looking at a series of numbers. A quick look at the total loans and
deposits graphs for instance may give you a very good insight into the current state of affairs
for CITIZENS EQUITY FIRST CU . An upward sloping chart for these charts and a rise in membership would seem
to say that this Credit Union is doing something right. Of course you must use your own judgment
in reading the data that we're supplying you with. Disclaimer: The quarterly data we use is
available for viewing at the NCUA website which you can find via our
resource page.
We try our best to share this data as error free as
possible. Please see our Terms Page for usage rules and regulations.
FINANCIAL STATUS OF CITIZENS EQUITY FIRST CREDIT UNION
Total Assets
$4,131,380,860.00
Net Worth Ratio
8.89
Net Worth Classification by NCUA
Well Capitalized
Total Loans
$3,001,483,906.00
Total Deposits
$3,689,532,962.00
ADDITIONAL FINANCIAL SERVICES OFFERED BY CITIZENS EQUITY FIRST CREDIT UNION
Do they offer Mortgage Processing?
Yes
Do they offer Overdraft Protection?
Yes
Do they offer Overdraft Lines of Credit?
Yes
Do they offer ATM/Debit Card program?
Yes
Do they offer Insurances/Investment Sales?
Yes
ACCESS TO ELECTRONIC FINANCIAL SERVICES OF CITIZENS EQUITY FIRST CREDIT UNION
Do they provide Home Banking Via Internet Website?
Yes
Do they provide Wireless based service?
No
Do they provide Home Banking/PC based service?
No
Do they provide Audio Response/Phone based service
Yes
Do they provide ATM (Automated Teller Machine) access?
Yes
Do they provide Kiosk based service?
No
Other services?
No
CITIZENS EQUITY FIRST CU ONLINE ACCESS FUNCTIONALITY
Can website visitors get a Member Application?
Yes
Can website visitors get a New Loan?
Yes
Can website visitors access an Account Balance Inquiry?
Yes
Can website visitors order Checks?
Yes
Can website visitors get a New Share Account?
Yes
Can website visitors make Loan Payments?
Yes
Can website visitors access an "Account History" view?
Yes
Can website visitors purchase Merchandise?
No
Can website visitors share Account transfers?
Yes
Can website visitors make Bill Payments?
Yes
Can website visitors download the Account History?
Yes
Can website visitors use/get Electronic Cash?
No
Can website visitors make Account Aggregation?
No
Can website visitors get Internet Access Service?
Yes
Do they provide Signature Authentification?
No
LOAN SERVICES PROVIDED BY CITIZENS EQUITY FIRST CREDIT UNION
cefcu Loan Types
Do they offer Indirect Lending?
Yes
Do they offer Participation Loans?
Yes
Do they offer Real Estate Loans?
Yes
Do they offer Member Business Loans?
Yes
Do they offer Risk Based Loans?
Yes
Do they offer Direct Financing Leases?
No
Do they offer Credit Cards Loans?
Yes
Do they offer New Vehicle Loans?
Yes
Do they offer Used Vehicle Loans?
Yes
Do they offer Unsecure Loans? (Other than Credit cards)
Yes
cefcu Member Business Loans
Do they offer Agricultural Loans?
Yes
Do they offer Construction and Development Loans?
Yes
Do they offer Small Business Administration Loans?
Yes
Do they offer Unsecured Business Loans?
Yes
cefcu Real Estate Loans
Do they offer Adjustable Rate 1st Mortgages with Rate Adjustment at least once a Year?
Yes
Do they offer Adjustable Rate 1st Mortgages with Rate Adjustment less often than once a Year?
Yes
Do they offer Balloon/Hybrid 1st Mortgages 5 Years or Shorter?
Yes
Do they offer Balloon/Hybrid 1st Mortgages Longer than 5 Years?
Yes
Do they offer Closed End Adjustable Rate 2nd Mortgages?
Yes
Do they offer Closed End Fixed Rate 2nd Mortgages?
Yes
Do they offer Fixed Rate 1st Mortgages 15 Years or Shorter?
Yes
Do they offer Fixed Rate 1st Mortgages Longer than 15 Years?
Yes
Do they offer Interest Only 1st Mortgages?
Yes
Do they offer Open End Adjustable Rate 2nd Mortgages?
Yes
Do they offer Open End Fixed Rate 2nd Mortgages?
Yes
Total of 1st Mortgages made YTD that were Sold
$30,025,312.00
Do they offer Unclassifiable Fixed Rate 1st Mortgages?
No
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CITIZENS EQUITY FIRST CREDIT UNION ROUTING NUMBER
CITIZENS EQUITY FIRST CU
Routing No.
Rev. Date
Address
City
State
Zip Code
Phone
271183701
02-09-2009
5401 W DIRKSEN PKWY
PEORIA
Illinois
61607
309-633-3404
(The above data was last updated by the Federal Reserve, the central bank of the USA, on 07/03/2009)
The CITIZENS EQUITY FIRST CU (Credit Union/Federal Credit Union) Routing Number above is used for the electronic transfer of funds. Some credit unions have more than one routing number. Some are used for internal fund transfers and others may be assigned for shareholder usage. Please make sure that the number you use matches the routing number on your CITIZENS EQUITY FIRST CU check. If in doubt use the CITIZENS EQUITY FIRST CREDIT UNION phone number above to call and verify that you're using the correct routing number.