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    CITIZENS EQUITY FIRST mortgage rates

    CITIZENS EQUITY FIRST's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track CITIZENS EQUITY FIRST daily and refresh rates every morning.

    Rates as of Apr 1, 2026

    Today's rates from CITIZENS EQUITY FIRST

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%6.976%0Sep 10, 2026Visit
    20 Year Fixed6.875%7.008%0Sep 10, 2026Visit
    15 Year Fixed6.25%6.412%0Sep 10, 2026Visit
    10 Year Fixed6.25%6.479%0Sep 10, 2026Visit
    5 Year ARM6.25%6.556%0Sep 10, 2026Visit
    7 Year ARM6.375%6.575%0Sep 10, 2026Visit
    10 Year ARM6.5%6.621%0Sep 10, 2026Visit
    30 Year Fixed Jumbo6.875%6.976%0Sep 10, 2026Visit
    20 Year Fixed Jumbo6.875%7.008%0Sep 10, 2026Visit
    15 Year Fixed Jumbo6.25%6.412%0Sep 10, 2026Visit
    5 Year ARM Jumbo6.25%6.556%0Sep 10, 2026Visit
    7 Year ARM Jumbo6.375%6.575%0Sep 10, 2026Visit
    10 Year ARM Jumbo6.5%6.621%0Sep 10, 2026Visit
    Visit CITIZENS EQUITY FIRST's rates page

    Rate history

    Lowest daily rate CITIZENS EQUITY FIRST advertised for each product, 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
    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, Jersey County, IL, Knox County, IL, Livingston County, IL…

    Where CITIZENS EQUITY FIRST writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with CITIZENS EQUITY FIRST.

    Illinois

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

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