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iAdvertiser Disclosure
Advertiser Disclosure
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 Citizens Equity First Credit Union Rates & Review March 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.
Read Full Bio →
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: March 25, 2026
Citizens Equity First Credit Union's Jumbo CD Accounts 60 month rates are at 3.75%, Jumbo HSA CD Accounts 60 month rates are at 3.75%, Jumbo IRA CD Accounts 60 month rates are at 3.75%, 60 month CD Account rates are at 3.70%, 60 month CD Accounts rates are at 3.70%. Citizens Equity First Credit Union's money market rates are at 2.05%. Citizens Equity First Credit Union's 15 Year - Fixed Rate Jumbo Mortgages rates are at 5.88%, Jumbo Mortgages 15 Year - Fixed Rate rates are at 5.88%, 7/1 ARM - 15 Year Term rates are at 5.75%, 10/1 ARM - 15 Year Term rates are at 5.88%, 5/1 ARM - 15 Year Term rates are at 5.62%. Citizens Equity First Credit Union's Personal Loan Rates are at 9.75%. 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 6.76%. Rates were last updated on 03/25/2026. 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 Student Loan Rates
Citizens Equity First Credit Union Credit Card Rates
Citizens Equity First Credit Union Personal Loan Rates
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
1,039
Part-Time Employees
4
Branch Locations
36
ATM Locations
33
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
6.76%
Return on Assets (ROA)
1.0483%
Return on Equity (ROE)
8.6564%
Non-Performing Loans Ratio (NPL)
1.04%
Total Assets
8,074,736,933
Total Amount of Shares and Deposits
7,025,627,875
Total Shares and Deposits < 1 Year
6,246,935,875
Total Shares and Deposits 1 3 Years
468,635,000
Total Shares and Deposits > 3 Years
310,057,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
597,283,159
Total Uninsured Shares and Deposits > $250K (F+J)
597,308,581
Total Insured Shares and Deposits > $250K (item 17 less item K)
6,428,319,294
Total Interest Expense (Sum of items 6 8)
138,205,392
Share Certificates
57,710
Number of Accounts for Share Drafts
213,679
IRA KEOGH Accounts
32,606
Number of Accounts for Regular Shares
465,948
All other shares
3,202
Non Member Deposits
11
Money Market Shares
22,624
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
270,726,852
Total Liabilities
7,103,124,627
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Citizens Equity First Credit UnionIs Citizens Equity First Credit Union a safe place to deposit money?Yes, Citizens Equity First Credit Union is considered a safe financial institution. With a Texas Ratio of 6.7642657650457%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How 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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