Citizens Equity First Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
East Peoria Member Center	501 Richland St, East Peoria, IL 61611	View Lobby Hours
Springfield South Sixth Street	1000 E Lincolnshire Blvd, Springfield, IL 62703	View Lobby Hours
Bloomington Veterans Member Center	1114 S Veterans Pkwy, Bloomington, IL 61704	View Lobby Hours
Valley Park Member Center	200 N MacArthur Hwy, Peoria, IL 61605	View Lobby Hours
Summershade Circle Member Center	5211 W Landens Way, Peoria, IL 61615	View Lobby Hours
Northpoint Member Center	8629 N Knoxville Ave, Peoria, IL 61615	View Lobby Hours
Downtown (Peoria) Member Center	221 FULTON ST, PEORIA, IL 61602	View Lobby Hours
Pekin Member Center	3515 Court St, Pekin, IL 61554	View Lobby Hours
Morton Member Center	825 Detroit Ave, Morton, IL 61550	View Lobby Hours
CEFCU Financial Center	7900 N University St, Peoria, IL 61615	View Lobby Hours
Canton Member Center	18 E Elm St, Canton, IL 61520	View Lobby Hours
Lincoln Member Center	341 5th St, Lincoln, IL 62656	View Lobby Hours
Normal Member Center	3 Traders Cir, Normal, IL 61761	View Lobby Hours
Bloomington Empire Member Center	2323 E Empire St, Bloomington, IL 61704	View Lobby Hours
Decatur Member Center	3301 N Woodford St, Decatur, IL 62526	View Lobby Hours
Evergreen Member Center	2980 E Capitol Expy Ste 90, San Jose, CA 95148	View Lobby Hours
Sheridan Village Member Center	900 W Lake Ave, Peoria, IL 61614	View Lobby Hours
Chillicothe Member Center	110 S 4th St, Chillicothe, IL 61523	View Lobby Hours
Eureka Member Center	514 W Center St, Eureka, IL 61530	View Lobby Hours
Germantown Hills Member Center	510 Jubilee Ln, Germantown Hills, IL 61548	View Lobby Hours
Willow Glen Member Center	670 Lincoln Ave, San Jose, CA 95126	View Lobby Hours
Springfield Dirksen Member Center	2449 N Dirksen Pkwy, Springfield, IL 62702	View Lobby Hours
Santa Clara Member Center	3607 El Camino Real, Santa Clara, CA 95051	View Lobby Hours
CEFCU	5401 W Everett M Dirksen Pkwy, Peoria, IL 61607	View Lobby Hours
Airport (Peoria) Member Center	5401 W Everett M Dirksen Pkwy, Peoria, IL 61607	View Lobby Hours
Springfield Iles Member Center	2424 W Iles Ave, Springfield, IL 62704	View Lobby Hours
Washington Member Center	100 Legion Rd, Washington, IL 61571	View Lobby Hours
Branham Member Center	171 Branham Ln Ste 12, San Jose, CA 95136	View Lobby Hours
Canton Member Center	175 E Elm St, Canton, IL 61520	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1945532	5.927%	5.750%	0.88	$6,179	$1,868	Learn More
NMLS ID: 2463124	5.933%	5.750%	1.00	$6,506	$1,868	Learn More
NMLS ID: 2577078	6.006%	5.875%	0.88	$4,551	$1,893	Learn More
NMLS ID: 1835285	6.093%	6.000%	1.00	$3,200	$1,919	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Figure Home Equity See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.45% - 10.95*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

Citizens Equity First Credit Union - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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