Citizens Equity First Credit Union
Verified rate book
Current Citizens Equity First Credit Union rates
31 published offers verified as of August 4, 2026.
Mortgage rates
12 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.750% APR | 6.750% | — | Standard |
| 30-Year Fixed30 year fixed | 6.851% APR | 6.750% | — | Standard |
| 15-Year Fixed15 year fixed | 6.125% APR | 6.125% | — | Standard |
| 15-Year Fixed15 year fixed | 6.287% APR | 6.125% | — | Standard |
| 7/1 ARM - 15 Year Term7 1 arm | 6.000% APR | 6.000% | — | Standard |
| 10-Year Fixed10 year fixed | 6.125% APR | 6.125% | — | Standard |
| 7/1 ARM - 30 Year Term7 1 arm | 6.250% APR | 6.250% | — | Standard |
| 5/1 ARM - 15 Year Term5 1 arm | 6.253% APR | 5.875% | — | Standard |
| 10/1 ARM - 15 Year Term10 1 arm | 6.285% APR | 6.125% | — | Standard |
| 5/1 ARM - 30 Year Term5 1 arm | 6.434% APR | 6.125% | — | Standard |
| 10/1 ARM - 30 Year Term10 1 arm | 6.497% APR | 6.375% | — | Standard |
| 20-Year Fixed20 year fixed | 6.750% APR | 6.750% | — | Standard |
Auto & vehicle rates
12 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Standard Vehicle Rates (2026 AND NEWER)auto_any_66mo | 4.490% APR | 4.490% | 66 mo | Standard |
| Standard Vehicle Rates (2024-2025)auto_any_66mo | 4.490% APR | 4.490% | 66 mo | Standard |
| Standard Vehicle Rates (2022-2023)auto_any_60mo | 4.640% APR | 4.640% | 60 mo | Standard |
| Recreational Vehicle & Boat - (2024 AND NEWER)rv_any_72mo | 6.490% APR | 6.490% | 72 mo | Standard |
| 48-Month Motorcycle Loan (2024 and Newer)motorcycle_any_48mo | 6.490% APR | 6.490% | 48 mo | Standard |
| Recreational Vehicle & Boat - (2020-2023)rv_any_72mo | 6.790% APR | 6.790% | 72 mo | Standard |
| 48-Month Motorcycle Loan (2020–2023)motorcycle_any_48mo | 7.290% APR | 7.290% | 48 mo | Standard |
| Recreational Vehicle & Boat - (2017-2019)rv_any_72mo | 7.290% APR | 7.290% | 72 mo | Standard |
| 48-Month Motorcycle Loan (2017–2019)motorcycle_any_48mo | 7.790% APR | 7.790% | 48 mo | Standard |
| Recreational Vehicle & Boat - (2016 AND OLDER)rv_used_72mo | 8.290% APR | 8.290% | 72 mo · used | Standard |
| Standard Vehicle Rates (2018 AND OLDER)auto_used_36mo | 8.540% APR | 8.540% | 36 mo · used | Standard |
| Motorcycles - (2016 AND OLDER)motorcycle_used_36mo | 8.790% APR | 8.790% | 36 mo · used | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Hybrid HELOC (HELOC)heloc_variable | 6.750% APR | 6.750% | — | Standard |
Personal loan rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| PERSONAL (SECURED WITH SAVINGS 01-36)personal_secured | 4.250% APR | 4.250% | — | Standard |
| PERSONAL (SECURED WITH SAVINGS 37-48)personal_secured | 4.500% APR | 4.500% | — | Standard |
| SINGLE PAYMENT NOTE (SECURED WITH SAVINGS)personal_secured | 4.750% APR | 4.750% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 9.500% APR | 9.500% | — | Standard |
| SINGLE PAYMENT NOTE (SECURED)personal_secured | 10.250% APR | 10.250% | — | Standard |
| SINGLE PAYMENT NOTE (UNSECURED)personal_unsecured | 11.500% APR | 11.500% | — | Standard |
As of August 4, 2026, Citizens Equity First Credit Union offers a 30-year fixed mortgage at 6.75% APR. Vehicle loans available from 4.49% APR for 66 months. HELOC rates from 6.75% APR. Personal loan rates from 4.25% APR.
Source: RateAPI.dev, verified from Citizens Equity First Credit Union's official website
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About Citizens Equity First Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 421.1K
- Assets
- $8.6B
- Founded
- 1937
- Locations reported
- 36
- NCUA charter
- 68448
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Citizens Equity First Credit Union
Membership eligibility from Citizens Equity First Credit Union's own published criteria. How we verify this.
Membership via employers (Caterpillar Inc.) or the ISU Alumni Association +1 more
- LocationBond, Champaign, Christian, Clinton, DeWitt, Douglas, Ford, Fulton, Iroquois, Jersey, Knox, Livingston, Logan, Macon, Macoupin, Madison, Marshall, Mason, McLean, Monroe, Montgomery, Peoria, Piatt, Putnam, Randolph, Saint Clair, Sangamon, Stark, Tazewell, Vermilion, Washington, Woodford, Alameda, Contra Costa, Santa Clara
- EmployerCaterpillar Inc.
- AssociationISU Alumni Association, ISU Athletic Boosters Association
Verified from Citizens Equity First Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Citizens Equity First Credit Union?
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Frequently Asked Questions
What rates does Citizens Equity First Credit Union offer?
Citizens Equity First Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Citizens Equity First Credit Union rates updated?
RateAPI verifies Citizens Equity First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Citizens Equity First Credit Union's rate data?
Rate data is collected directly from Citizens Equity First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Citizens Equity First Credit Union's mortgage rate?
As of August 4, 2026, Citizens Equity First Credit Union offers a 30-year fixed mortgage at 6.75% APR.
What are Citizens Equity First Credit Union's auto, rv & motorcycle loan rates?
As of August 4, 2026, Citizens Equity First Credit Union offers vehicle loans from 4.49% APR.
What is Citizens Equity First Credit Union's HELOC rate?
As of August 4, 2026, Citizens Equity First Credit Union offers home equity lines of credit from 6.75% APR.
What is Citizens Equity First Credit Union's personal loan rate?
As of August 4, 2026, Citizens Equity First Credit Union offers personal loans from 4.25% APR.
Related Rate Data
Compare Citizens Equity First Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
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