--- title: "Citizens Equity First Credit Union Rates (Nov 2026): Mortgage 6.73%" description: "Citizens Equity First Credit Union rates today: 5 1 arm mortgage 6.73% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Citizens Equity First Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/citizens-equity-first" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Citizens Equity First Credit Union Rates (Nov 2026): Mortgage 6.73% ### Mortgage rates 10 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 7.250% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.625% | — | Standard | | **7/1 ARM - 15 Year Term** 7 1 arm | — APR | 6.500% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.625% | — | Standard | | **5/1 ARM - 15 Year Term** 5 1 arm | 6.733% APR | 6.375% | — | Standard | | **7/1 ARM - 30 Year Term** 7 1 arm | — APR | 6.750% | — | Standard | | **10/1 ARM - 15 Year Term** 10 1 arm | 6.807% APR | 6.625% | — | Standard | | **5/1 ARM - 30 Year Term** 5 1 arm | 6.875% APR | 6.625% | — | Standard | | **10/1 ARM - 30 Year Term** 10 1 arm | 6.976% APR | 6.875% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 7.250% | — | Standard | Citizens Equity First Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 12 offers | Product | Published | Rate | Term / condition | Status | | **Standard Vehicle Rates (2026 AND NEWER)** auto_any_66mo | — APR | 4.990% | 66 mo | Standard | | **Standard Vehicle Rates (2024-2025)** auto_any_66mo | — APR | 4.990% | 66 mo | Standard | | **Standard Vehicle Rates (2022-2023)** auto_any_60mo | — APR | 5.140% | 60 mo | Standard | | **Recreational Vehicle & Boat - (2024 AND NEWER)** rv_any_72mo | — APR | 6.990% | 72 mo | Standard | | **48-Month Motorcycle Loan (2024 and Newer)** motorcycle_any_48mo | — APR | 6.990% | 48 mo | Standard | | **Recreational Vehicle & Boat - (2020-2023)** rv_any_72mo | — APR | 7.290% | 72 mo | Standard | | **Recreational Vehicle & Boat - (2017-2019)** rv_any_72mo | — APR | 7.790% | 72 mo | Standard | | **48-Month Motorcycle Loan (2020–2023)** motorcycle_any_48mo | — APR | 7.790% | 48 mo | Standard | | **48-Month Motorcycle Loan (2017–2019)** motorcycle_any_48mo | — APR | 8.290% | 48 mo | Standard | | **Recreational Vehicle & Boat - (2016 AND OLDER)** rv_used_72mo | — APR | 8.790% | 72 mo · used | Standard | | **Standard Vehicle Rates (2018 AND OLDER)** auto_used_36mo | — APR | 9.040% | 36 mo · used | Standard | | **Motorcycles - (2016 AND OLDER)** motorcycle_used_36mo | — APR | 9.290% | 36 mo · used | Standard | Citizens Equity First Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Hybrid HELOC (HELOC)** heloc_variable | — APR | 7.000% | — | Standard | Citizens Equity First Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **PERSONAL (SECURED WITH SAVINGS 01-36)** personal_secured | — APR | 4.750% | — | Standard | | **SINGLE PAYMENT NOTE (SECURED WITH SAVINGS)** personal_secured | — APR | 5.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.500% | — | Standard | | **SINGLE PAYMENT NOTE (SECURED)** personal_secured | — APR | 10.250% | — | Standard | | **SINGLE PAYMENT NOTE (UNSECURED)** personal_unsecured | — APR | 11.500% | — | Standard | Citizens Equity First Credit Union personal loan rates as of November 13, 2026 As of November 13, 2026, Citizens Equity First Credit Union offers a 5 1 arm mortgage at 6.733% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/citizens-equity-first) , verified from [Citizens Equity First Credit Union's official website](https://www.cefcu.com/) Best product position **Better than the Illinois median** 30-year fixed mortgage Gap to state best **9 bp** 9 bp from state best Vs. state median **50 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Illinois markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.88% | Better than the Illinois median | 9 bp from state best | 50 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Citizens Equity First Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=citizens-equity-first&state=illinois&code=IL&name=Citizens%20Equity%20First%20Credit%20Union) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Redbrand** Main Office · Bartonville · IL · 61607 About 2.3 miles away](https://rateapi.dev/credit-unions/illinois/redbrand) [**Peoria Postal Employees** Peoria Postal Employees Credit Union · Peoria · IL · 61601-9906 About 6.2 miles away](https://rateapi.dev/credit-unions/illinois/peoria-postal-employees) [**Gale** Branch - Tazewell Area Credit Union · Pekin · IL · 61554 About 6.7 miles away](https://rateapi.dev/credit-unions/illinois/gale) [**Cooperative Choice Network** TCSCU Division - Pekin · Pekin · IL · 61554 About 6.8 miles away](https://rateapi.dev/credit-unions/illinois/cooperative-choice-network) [**Peoria Bell** Peoria Bell Credit Union · Peoria · IL · 61615 About 11.3 miles away](https://rateapi.dev/credit-unions/illinois/peoria-bell) [**Peoria Hiway** Peoria Hiway Credit Union · Peoria · IL · 61615-2064 About 11.8 miles away](https://rateapi.dev/credit-unions/illinois/peoria-hiway) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Citizens Equity First Credit Union's website. Check the membership page below to confirm whether you qualify. - Location alameda, contra costa, santa clara — CA - Employer Caterpillar Inc., CEFCU partner company, CEFCU - Association ISU Alumni Association, ISU Athletic Boosters Association Verified from [Citizens Equity First Credit Union's membership page](https://www.cefcu.com/who-can-join.html) . Final membership determination is always made by the credit union. ## Membership rules for Citizens Equity First Credit Union Geography 3 counties · Employers 6 · Associations 2 · Family 5 22 published paths to membership, last verified August 27, 2026, quoted from Citizens Equity First Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Alameda County, CA - Contra Costa County, CA - Santa Clara County, CA “Lives, works, or regularly worships in one of these California counties: Alameda, Contra Costa, or Santa Clara.” > [source ↗](https://www.cefcu.com/who-can-join.html) ### Employers 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Caterpillar, Inc. “An employee or retiree of Caterpillar Inc., Caterpillar subsidiaries, or Caterpillar Dealerships.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Employee of Caterpillar, Inc. - Retired employee of Caterpillar, Inc. “An employee or retiree of Caterpillar Inc., Caterpillar subsidiaries, or Caterpillar Dealerships.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Retiree of Caterpillar, Inc. - Employee of CEFCU partner company “An employee or retiree of a CEFCU partner company.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Employee of CEFCU partner company - Retired employee of CEFCU partner company “An employee or retiree of a CEFCU partner company.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Retiree of CEFCU partner company - Employee of CEFCU “A CEFCU employee or retiree.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Employee of CEFCU - Retired employee of CEFCU “A CEFCU employee or retiree.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Retiree of CEFCU ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of ISU Alumni Association “Current members of the ISU Alumni Association or ISU Athletic Boosters Association.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Member of ISU Alumni Association - Member of ISU Athletic Boosters Association “Current members of the ISU Alumni Association or ISU Athletic Boosters Association.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Member of ISU Athletic Boosters Association ### Family 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family member “An immediate family member of someone who is eligible to join CEFCU.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Family member (immediate family member) of a member - Family of a member household member “A member of a household that includes someone who is eligible to join CEFCU.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Family member (household member) of a member - Family of a member spouse “The spouse of a member who has passed away.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Family member (spouse) of a member - Family of someone eligible immediate family “An immediate family member of someone who is eligible to join CEFCU.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Family member (immediate family) of an eligible person - Family Of Deceased surviving spouse “The spouse of a member who has passed away. The spouse of persons who passed while within the field of membership.” > [source ↗](https://www.cefcu.com/who-can-join.html) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Citizens Equity First Credit Union? Yes No ## Work at Citizens Equity First Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Citizens Equity First Credit Union ranks against Illinois peers. - See which AI assistants fetched Citizens Equity First Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=citizens-equity-first&state=illinois&code=IL&name=Citizens%20Equity%20First%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 13, 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 November 13, 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 November 13, 2026, Citizens Equity First Credit Union offers a 5 1 arm mortgage at 6.733% APR. ### Who can join Citizens Equity First Credit Union? Citizens Equity First Credit Union publishes its membership criteria on its own website. RateAPI tracks 22 published membership paths covering 3 counties, 6 employers and 2 associations for Citizens Equity First Credit Union, each quoted from Citizens Equity First Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Citizens Equity First Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois mortgage rate leaders](https://rateapi.dev/mortgage-rates/illinois) [Illinois auto loan rate leaders](https://rateapi.dev/auto-loan-rates/illinois) [Illinois HELOC rate leaders](https://rateapi.dev/heloc-rates/illinois) [Illinois personal loan leaders](https://rateapi.dev/personal-loan-rates/illinois) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.cefcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Citizens Equity First Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Citizens Equity First Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /citizens-equity-first " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Citizens Equity First Credit Union locations Search, filter, and browse all 36 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/illinois/citizens-equity-first Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp