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We're Better Together

Citizens Equity First Credit Union (CEFCU) is owned by more than 360,000 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 save $402 per year in interest by choosing CEFCU for a new Vehicle Loan.footnote 1 That's approximately $2,010 in savings over five years!

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 $415 million since 2000.

Fewer Fees

CEFCU helps members save more than $5.5 million on fees. That's almost a 16% savings compared to other banks.footnote 2 Plus, individual home buyers, on average, save over $900 on Mortgage closing costs.footnote 1

Better Value

The total yearly savings and benefits enjoyed by CEFCU members is $230 per member and $483 per member household.footnote 2 Plus, members with multiple CEFCU accountsfootnote 3 enjoy even bigger savings — some as much as $1,500 or more!

1. As of mid-2021 CUNA data, based on a $30,000 new vehicle for 60 months.

2. 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.

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