Citizens Equity First Credit Union Rates and Review January 2026
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Brian McKay
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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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Compare Citizens Equity First Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Citizens Equity First Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityCitizens 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 CD rates or 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. Overall, Citizens Equity First Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Citizens Equity First Credit Union CEFCU 5401 W Everett M Dirksen Pkwy Peoria, IL 61607  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Premier
9.900%
Platinum Visa
15.350%
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonUnsecured/Personal Loans
8.990%
$0
Personal Loan
9.200% - 17.950%
$0 - $2,500
36 - 36
Gold Star Loan
14.200%
$0
48
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Citizens Equity First Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Citizens Equity First Credit Union
Website: https://www.cefcu.com
Full Time Employees: 1039Part Time Employees: 4 President: Joseph Needham CEO: Matthew Mamer Branch Locations: 36 ATM Locations: 33 Corporate Office Address:
5401 W Everett M Dirksen Pkwy
Peoria, IL 61607 Phone Number: 309-633-7000 Fax Number: FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Citizens Equity First Credit UnionIs 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. Is there a first-time homebuyer program?Currently, Citizens Equity First Credit Union provides a range of mortgage and home equity products. Is Citizens Equity First Credit Union a safe place to deposit money?Yes, Citizens Equity First Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Citizens Equity First Credit Union offer online and mobile banking?Most modern institutions like Citizens Equity First Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 2.50%, 6-month CD rates at 3.65% and 3-month CD rates at 0.85%. Savings rates are at 0.25% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.45%. Credit Card rates are at 14.00%. Personal Loan rates are at 12.99%. All these rates, and more, can be found in our database of rates which you can compare to 
