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 Citizens Equity First Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Citizens Equity First Credit Union's 60 Month Jumbo CD Accounts rates are at 3.30%, 60 Month Jumbo HSA CD Accounts rates are at 3.30%, Jumbo IRA CD Accounts - 60 month rates are at 3.30%, 48 Month Jumbo CD Accounts rates are at 3.25%, 48 Month Jumbo HSA CD Accounts rates are at 3.25%. Citizens Equity First Credit Union's savings rates are at 1.55%. Citizens Equity First Credit Union's money market rates are at 2.25%. Citizens Equity First Credit Union's Adjustable-Rate Mortgages - 7/1 ARM - 15 Year Term rates are at 6.12%, Adjustable-Rate Mortgages - 5/1 ARM - 15 Year Term rates are at 6.00%, Adjustable-Rate Mortgages - 10/1 ARM - 15 Year Term rates are at 6.25%, Adjustable-Rate Mortgages - 5/1 ARM - 30 Year Term rates are at 6.25%, Adjustable-Rate Mortgages - 7/1 ARM - 30 Year Term rates are at 6.38%. Citizens Equity First Credit Union's Personal Loan Rates are as low as 9.50%. Citizens Equity First Credit Union's Credit Card Rates are at 12.00%. MonitorBankRates evaluates the financial stability of Citizens Equity First Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.26%. Rates last updated and verified on 09/22/2026. Citizens Equity First Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Equity First Credit Union? Share your experience about Citizens Equity First Credit Union by leaving a review below, or read customer reviews before you decide to use Citizens Equity First Credit Union. Citizens Equity First Credit Union
CEFCU 5401 W Everett M Dirksen Pkwy
https://www.cefcu.com Peoria, IL 61607 
Citizens Equity First Credit Union CD Rates
Citizens Equity First Credit Union Savings Rates
Citizens Equity First Credit Union Money Market Rates
Citizens Equity First Credit Union Checking Rates
Citizens Equity First Credit Union Mortgage Rates
Citizens Equity First Credit Union Home Equity & HELOC
Citizens Equity First Credit Union Auto Loan Rates
Citizens Equity First Credit Union RV, Boat and Powersport Loan Rates
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Citizens Equity First Credit Union Personal Loan Rates
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Financial Health HistoryCitizens Equity First Credit Union’s Texas Ratio rose from 4.65% in Q2 2023 to 5.26% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Citizens Equity First Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Citizens Equity First Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Citizens Equity First Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Citizens Equity First Credit Union
Website
https://www.cefcu.com
Address
5401 W Everett M Dirksen Pkwy,
Peoria, IL 61607
Phone
309-633-7000
Fax
President
Joseph Needham
CEO
Matthew Mamer
Full-Time Employees
1,044
Part-Time Employees
4
Branch Locations
36
ATM Locations
34
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.26%
Return on Assets (ROA)
0.3142%
Return on Equity (ROE)
2.8159%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
8,605,589,543
Total Amount of Shares and Deposits
7,540,590,327
Total Shares and Deposits < 1 Year
6,643,255,327
Total Shares and Deposits 1 3 Years
627,031,000
Total Shares and Deposits > 3 Years
270,304,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
658,020,741
Total Uninsured Shares and Deposits > $250K (F+J)
658,541,203
Total Insured Shares and Deposits > $250K (item 17 less item K)
6,882,049,124
Total Interest Expense (Sum of items 6 8)
44,811,130
Share Certificates
57,878
Number of Accounts for Share Drafts
215,259
IRA KEOGH Accounts
31,873
Number of Accounts for Regular Shares
471,581
All other shares
3,334
Non Member Deposits
11
Money Market Shares
23,539
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
512,064,288
Total Liabilities
7,632,672,030
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Citizens Equity First Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Citizens Equity First Credit UnionHow many branches does Citizens Equity First Credit Union operate?Citizens Equity First Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Citizens Equity First Credit Union?Yes, to access services at Citizens Equity First Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Citizens Equity First Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Citizens Equity First Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Citizens Equity First Credit Union offer online and mobile banking?Most modern institutions like Citizens Equity First Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cefcu.com. Current Citizens Equity First Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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