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We're Better Together

Citizens Equity First Credit Union (CEFCU) is owned by more than 350,000 members like you. As a financial cooperative, CEFCU borrowers and savers help each other enjoy a better value. Since our start in 1937, we’ve believed in an open, honest approach to helping you handle your money. Today, that includes better loan rates, fewer fees, Extraordinary Dividends, personal benefits, and more.

Sounds good, right? Like you belong here? We think so too. Join today.

Better Loan Rates

On average, members have collectively saved more than $35 million annually by choosing CEFCU for a loan.* That's $39 million in Vehicle Loan rates, over $6 million in Mortgage rates, and more.

Extraordinary Dividends

Sharing the Success

When CEFCU has an exceptionally good year, year-end Extraordinary Dividends return earnings back to the borrowers and savers who made it happen. While Extraordinary Dividends aren’t guaranteed every year, CEFCU members have shared in $350 million since 2000. Learn more about Extraordinary Dividends from our CEO.

Fewer Fees

CEFCU helps members save more than $5.5 million on fees. That's almost a 16% savings compared to other banks.* Plus, individual home buyers, on average, save over $900 on Mortgage closing costs.*

Personal Benefits

The total yearly savings and benefits enjoyed by CEFCU members is $230 per member and $483 per member household.* Plus, members with multiple CEFCU accounts enjoy even bigger savings — some as much as $1,500 or more!

*As of September 2021, compared to rates and fees available at banks. Savings figures are based on one of the following: Informa Research Service, NCUA, and CUNA data; Raddon Financial.

†Defined as having a new-auto loan, credit card, $200,000 mortgage, savings certificate, Insured money market (IMMA) and checking account.