CEFCU (Citizens Equity Federal Credit Union) has become a fixture in Central Illinois with 15 offices and 630 employees. As the eleventh largest credit union in the United States with $1.5 billion in assets, it has a rather impressive national reputation as well. John T. Siefken, president and CEO or CEFCU for 25 years, has been with the credit union from the days when it operated like a subsidiary of Caterpillar, Inc.