Overview / Commentary
5401 W Everett M Dirksen Pkwy
Peoria, IL 61607

CEFCU is headquartered in Peoria and is the 2nd largest credit union in the state of Illinois. It is also the 31st largest credit union in the nation. It was established in 1937 and as of December of 2020, it had grown to 928 employees and 356,407 members at 28 locations. CEFCU has an A health rating.

Field of Membership Restrictions

Membership in Citizens Equity First Credit Union is open to those who live or work in Knox, Fulton, Logan, Livingston, Macon, McLean, Mason, Marshall, Peoria, Putnam, Sangamon, Stark, Tazewell, or Woodford counties in Illinois, to those who live, worship or work in Contra Costa, Alameda, or Santa Clara Counties in California. Membership is also open to employees or retirees of Caterpiller, Inc., its dealerships and subsidiaries and to other partner companies (membership requirements are listed in the credit union's online application).
See current membership details

Great experience at local credit union.

I recently paid off my car loan through CEFCU, my local credit union. Working with CEFCU was easy. My rates were better than any of the big banks and the customer servive was top notch. Not only were fees virtually nonexistant, but I received a dividend as a contributor to their profits. The online portal made it easy to check my loan balance and make payments. When I wanted to make payments in person, it was just as easy. They have several conveniently located locations in my area. The tellers are always courtious and I never seem to have to wait in line. I will definitely consider CEFCU as my first choice for my next car loan.

20 Year Member

I have been a member of CEFCU for over 20 years. I have a checking account and savings account established there. I feel like it took a longer time for CEFCU to advance with the technology required in today's banks, but they have finally come around to providing quality products that have current technology. The ability to also walk into any local branch and talk to a qualified individual about my banking needs is very refreshing in these times of only speaking through technology as well. I have established my teenage son his own accounts there as well to build him a solid banking history and establish good habits.

Cefcu Review

Cefcu has the worst customer service of any bank that we have ever dealt with. We had set up a Cefcu account about 2 years ago to see if we liked it as a secondary account before we transferred some direct deposits over blindly.... it has been nothing but a headache! I think our experiment is over!
For anyone looking for banking...stay away! PNC has been amazing to our family for the last 10 years! Looks like they will be getting another account from us.

Cefcu Is The Worst.

i been waiting on my stimulus. cefcu said to check the irs get my payment portal. the irs payment portal said it would be deposited march 17th. its now Saturday March 20th. i called cefcu the ach department is closed on weekends. they will only get "batches" of stimulus on Wednesdays. and they have to hand post each one thousands and thousands of them. i asked cefcu on facebook. their system sucks. all the other finance institutions posting their stimulus friday saturday Monday but cefcu here is only doing theirs on Wednesdays



Health Grade Components

NCUA #68448
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD7.71%
Annual Interest Income$228.0MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$7.10B$6.26B
LoansQ4 2020vs Q4 2019$4.88B$4.67B
DepositsQ4 2020vs Q4 2019$6.30B$5.52B
Equity CapitalQ4 2020vs Q4 2019$642.6MM$625.2MM
Loan Loss AllowanceQ4 2020vs Q4 2019$32.5MM$28.9MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$20.9MM$20.9MM
Real Estate OwnedQ4 2020vs Q4 2019$2.4MM$976.00K
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Always verify rates and promotions with the bank or credit union. We are not CEFCU; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

CEFCU Savings Account Rates

0.05%$5-Savings Account
0.05%--Holiday Saver Account
0.05%--My Use Account
0.05%--IRA Daily Account

CEFCU Money Market Rates

0.15%*$100k*-Insured Money Market Account
OTHER TIERS: 0.10% $2.5k - $100k

CEFCU Checking Account Rates

0.05%$2.5k-Dividend Checking


0.80%$100k-60 Month Jumbo Certificate
0.75%$1k$100k60 Month Certificate
0.65%$100k-48 Month Jumbo Certificate
0.60%$1k$100k48 Month Certificate
0.50%$100k-36 Month Jumbo Certificate
0.45%$1k$100k36 Month Certificate
0.40%$100k-24 Month Jumbo Certificate
0.35%$1k$100k24 Month Certificate
0.35%$100k-18 Month Jumbo Certificate
0.30%$1k$100k18 Month Certificate
0.30%$100k-12 Month Jumbo Certificate
0.25%$5$1k12 Month My Save Certificate
0.25%$1k$100k12 Month Certificate
0.20%$100k-6 Month Jumbo Certificate
0.15%$1k$100k6 Month Certificate
0.15%$100k-3 Month Jumbo Certificate
0.10%$1k$100k3 Month Certificate


0.80%$100k-60 Month Jumbo IRA
0.75%$500$100k60 Month IRA
0.65%$100k-48 Month Jumbo IRA
0.60%$500$100k48 Month IRA
0.50%$100k-36 Month Jumbo IRA
0.45%$500$100k36 Month IRA
0.40%$100k-24 Month Jumbo IRA
0.35%$500$100k24 Month IRA
0.30%$100k-12 Month Jumbo IRA
0.25%$500$100k12 Month IRA


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