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    Home state: Illinois
    Lends in 2 states

    CITIZENS EQUITY FIRST mortgage rates

    CITIZENS EQUITY FIRST's lowest publicly advertised 30-year fixed rate today is 7.228% APR — the national average is 7.147%. We read CITIZENS EQUITY FIRST's rates every weekday, starting around 11 a.m. Central.

    We last read CITIZENS EQUITY FIRST's rates page on Nov 2, 2026.

    Today's rates from CITIZENS EQUITY FIRST

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.125%7.228%0Nov 2, 2026Visit
    20 Year Fixed7.125%7.259%0Nov 2, 2026Visit
    15 Year Fixed6.5%6.663%0Nov 2, 2026Visit
    10 Year Fixed6.5%6.73%0Nov 2, 2026Visit
    5 Year ARM6.625%6.911%0Nov 2, 2026Visit
    7 Year ARM6.75%6.939%0Nov 2, 2026Visit
    10 Year ARM6.875%6.996%0Nov 2, 2026Visit
    30 Year Fixed Jumbo7.125%7.228%0Nov 2, 2026Visit
    20 Year Fixed Jumbo7.125%7.259%0Nov 2, 2026Visit
    15 Year Fixed Jumbo6.5%6.663%0Nov 2, 2026Visit
    5 Year ARM Jumbo6.625%6.911%0Nov 2, 2026Visit
    7 Year ARM Jumbo6.75%6.939%0Nov 2, 2026Visit
    10 Year ARM Jumbo6.875%6.996%0Nov 2, 2026Visit
    Visit CITIZENS EQUITY FIRST's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join CITIZENS EQUITY FIRST

    CEFCU membership is available to residents and workers in 32 central Illinois counties and 3 California counties. Employees of Caterpillar Inc., members of the ISU Alumni Association, and those with a qualifying family or household member can also join.

    Employer
    Caterpillar Inc., Caterpillar subsidiaries, Caterpillar Dealerships
    Association / SEG
    ISU Alumni Association, ISU Athletic Boosters Association
    County
    Alameda County, CA, Contra Costa County, CA, Santa Clara County, CA, Bond County, IL, Champaign County, IL, Christian County, IL, Clinton County, IL, DeWitt County, IL, Douglas County, IL, Ford County, IL, Fulton County, IL, Iroquois County, IL…

    Where CITIZENS EQUITY FIRST writes mortgages

    CITIZENS EQUITY FIRST publishes mortgage lending in 2 states.

    CaliforniaIllinois

    Illinois counties where CITIZENS EQUITY FIRST serves members

    McLean County, ILChampaign County, ILFord County, ILLivingston County, ILLogan County, ILPiatt County, ILTazewell County, ILWoodford County, ILDouglas County, ILFulton County, ILIroquois County, ILMacon County, ILMarshall County, ILPeoria County, ILSangamon County, IL

    Plus 13 more. See all Illinois counties

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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