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Today's Rates for Our Most Popular Loans:

View all Loan rates

Auto Loan
as low as

4.49 % APR

Mortgages
as low as

6.000 % APR

Credit Cards
as low as

12.25 % APR

Why Choose CEFCU

Better Loan Rates

Last year collectively, members saved an average of $448 each.

Extraordinary Dividends

Members have shared in $565 million since 2000.

Smarter Mortgage Options

Save up to $37,371 with CEFCU Mortgages.Footnote 1

Better Savings Value

CEFCU Savings rates are up to 405% higher compared to other financial institutions in the Peoria Metro Market.Footnote 2

See more reasons CEFCU is better

Helping You Get the Best Interest Rates

CEFCU offers competitive rates and flexible Loan options for your car, home, and personal needs — making it easier to finance what matters most.

What We Offer

Mortgages >

Competitive rates, lower fees, local, personal service. We have the right Mortgage for you!

Vehicle Loans >

Fast approvals, no hidden fees, great rates!

Trusted Investing >

Together we can build a better financial future for you.

Credit Cards >

Our credit card options are built with your lifestyle, financial goals, and everyday spending in mind.

Personal Loans >

Fast, flexible financing with competitive rates to help cover expenses, consolidate debt, or make major purchases. We’ve got you covered!

Student Loans >

Whether your journey is still on campus or past the university halls, CEFCU has the right Student Loan options to meet you where you are!

View our Loan offerings

Business Checking Options >

Our Business Checking options work overtime — so you don’t have to.

Business Online Banking >

Manage your Business Account with CEFCU On-Line® and Mobile Banking on your schedule.

Business Credit Mastercard® >

Stay on top of business spending, plus earn while you spend, with our CEFCU Business Credit Card.

Business Loans >

See your dreams meet reality — all while experiencing dedicated, local support with a CEFCU Business Loan.

Electronic Payment Services >

Set up Employer HSA Contributions, direct deposit of payroll, vendor payments/invoicing, tax payments and more with CEFCU Business Electronic Payment Services!

Remote Deposit >

Deposit checks 24/7, without having to drop off a deposit bag!

View our Loan offerings

Discover More with a CEFCU® Credit Mastercard®

Our credit card options are built with your lifestyle, financial goals, and everyday spending in mind.

Apply for a CEFCU credit card today

Protecting Your Future: Security News & Insights

View helpful articles featuring the latest security tips to help keep your accounts and personal information protected.

Learn More

Watch Out for Pop Up Scams

In law, fraud is intentional deception to secure unfair or unlawful gain, or to deprive a victim of a legal right. Fraud can violate civil law or criminal law, or it may cause no loss of money, property, or legal right but still be an element of another civil or criminal wrong.

Learn More About Scams and Fraud

We Care About Our Community.

CEFCU invests in the communities it serves, supporting thousands of charitable, civic, and non-profit organizations that make a positive impact in the community. As an organization, CEFCU also encourages employees to volunteer in ways that are important to them and their city. CEFCU gives back through:

  • Sponsorships. CEFCU provides generous support to non-profit and local charities that make a positive impact in the communities we serve.
  • In-Kind. Cash isn’t the only way to make a difference. CEFCU helps bring community events to life with donated items like gift baskets, pens, water bottles, gift cards, and more.
  • Grant Requests. When CEFCU fulfills a grant request, it’s more than funding — it’s a partnership with local organizations working to improve lives and build a better community.
  • Employee Give Back. CEFCU employees are given paid time off to volunteer for a non-profit organization of their choice.

Learn More about our community investments

Join Our Team

Discover a place where your work truly matters. At CEFCU, you'll help members improve their financial well-being, while also enjoying robust benefits, career growth opportunities, and more.

Apply today

  1. Datatrac 2025 data. The $37,371 is the difference between the amount paid in interest between CEFCU's rate at 5.913% APR compared to 6.552% APR for the National market average over the life of a $250,000 mortgage over 360 months.
  2. Datatrac 2025 data. The 405% is the difference between the percent earned in interest between CEFCU's rate at 1.00% APY compared to 0.20% APY for the Peoria Metro market average over the life of a regular savings.
  3. Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2025. Discount applies to TurboTax federal products only. Actual prices are determined at the time of print or e-file and are subject to change without notice. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.