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Citizens Equity First Credit Union


Phone: 1-309-633-7048

Citizens Equity First Credit Union is a NCUA insured credit union headquartered at PO Box 1715, Peoria, IL 61656.
It was founded in 1937 and has approximately $8,075 million in assets. Customers can open an account at one of its 54 branches.

Deposit Rates - February 01, 2026

SAVINGS RATES APY MIN
SAV
0.95% $5 Compare
SAV
1.00% $1,000 Compare
SAV
1.05% $10,000 Compare
CD RATES APY MIN
3 Mo CD
3.35% $1,000 Compare
3 Mo CD
3.40% $100,000 Compare
6 Mo CD
3.40% $1,000 Compare
6 Mo CD
3.45% $100,000 Compare
12 Mo CD
3.45% $5 Compare
12 Mo CD
3.45% $1,000 Compare
12 Mo CD
3.51% $100,000 Compare
18 Mo CD
3.50% $1,000 Compare
18 Mo CD
3.55% $100,000 Compare
24 Mo CD
3.55% $1,000 Compare
24 Mo CD
3.60% $100,000 Compare
36 Mo CD
3.60% $1,000 Compare
36 Mo CD
3.65% $100,000 Compare
48 Mo CD
3.65% $1,000 Compare
48 Mo CD
3.70% $100,000 Compare
60 Mo CD
3.70% $1,000 Compare
60 Mo CD
3.75% $100,000 Compare
MM RATES APY MIN
Money Market
2.30% $2,500 Compare
Money Market
2.40% $25,000 Compare
Money Market
2.50% $50,000 Compare
Money Market
2.60% $100,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.65% $2,500




Loan Rates - February 01, 2026

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
15 Year Fixed Jumbo
7.01% $2,876.25
15 Year Fixed Conforming
7.02% $2,876.25
20 Year Fixed Conforming
7.52% $2,577.90
30 Year Fixed Jumbo
7.51% $2,237.49
30 Year Fixed Conforming
7.51% $2,237.49
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
15 Year Fixed Jumbo
7.01% $2,876.25
15 Year Fixed Conforming
7.02% $2,876.25
20 Year Fixed Conforming
7.52% $2,577.90
30 Year Fixed Jumbo
7.51% $2,237.49
30 Year Fixed Conforming
7.51% $2,237.49
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
5.54% Varies
Compare with 0 RATE Line of Credit from PenFed Credit Union PenFed Credit Union
Compare with 6.24 RATE Line of Credit from Third Federal Savings and Loan Third Federal Savings and Loan
Compare with 6.95 RATE Line of Credit from Figure Home Equity Figure Home Equity
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc Reliant Home Funding, Inc
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union Four Leaf Federal Credit Union
10 Year Loan
6.74% $1,147.73
15 Year Loan
6.99% $898.27
See Other Home Equity Rates →
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
5 Year
3.64% $456.36

Overview 2026

General Credit Union Information

NCUA Insured Yes / State-Chartered
Charter Number # 68448
Date Established 1937
Assets $8,074.74 million
Loans $6,335.78 million
Deposits $7,025.63 million
Capital $977.85 million


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Branches

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Citizens Equity First Credit Union Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    CITIZENS EQUITY FIRST
    Credit Union
    -
    $50,000
    N.A.
    0.95%
    4.24x (National Avg. - 0.22%)
    $5
    -
    SCENARIO
    Year Rate
    0.95%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 475 333
    2 50,475 480 336
    3 50,955 484 339
    4 51,439 489 342
    5 51,927 493 345
    6 52,421 498 349
    7 52,919 503 352
    8 53,421 508 355
    9 53,929 512 359
    10 54,441 517 362
    11 54,958 522 365
    12 55,480 527 369
    13 56,007 532 372
    14 56,540 537 376
    15 57,077 542 380
    16 57,619 547 383
    17 58,166 553 387
    18 58,719 558 390
    19 59,277 563 394
    20 59,840 568 398
    TOTAL $10,408 $7,286
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.74x (National Avg. - 0.22%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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