Our Current

Rates

 

 

we’re known for 
competitive rates.

DEPOSIT ACCOUNTS
LOAN PRODUCTS

Checking Accounts

ACCOUNT TYPE

MINIMUM
BALANCE

FEES

RATE

APY*

Basic
Checking

$0

No fees

0.15%

0.150%

Premier
Checking

$1000

$5 fee if account goes below $1,000 (Monthly)

0.25%

0.250%

Business
Checking

$0

No fees

0.10%

0.100%

Business Premier
Checking

$1500

No interest if balance goes below minimum

0.25%
Over $5,000: 0.25%




0.250%
Over $5,000: 0.250%

Savings Accounts

ACCOUNT TYPE

MINIMUM
BALANCE

FEES

RATE

APY*

Personal Savings

$5 to open account, $25 to receive dividends

No Fee

0.50%

0.501%

Business Savings

$5 to open account, $25 to receive dividends

No Fee

0.50%

0.501%

Youth Savings

$1

No Fee

0.50%

0.501%

Money Market

BALANCE

MINIMUM
BALANCE

FEES

RATE

APY*

$250.00 - $9,999.99

$250

No interest if balance goes below minimum

3.75%

3.821%

$10,000.00 - $24,999.99

$10,000

Bumps down to lower rates

3.75%

3.821%

$25,000.00 - $49,999.99

$25,000

Bumps down to lower rates

4.25%

4.341%

$50,000 - $99,999.99

$50,000

Bumps down to lower rates

4.25%

4.341%

$100,000.00 - $249,999.99

$100,000

Bumps down to lower rates

4.25%

4.341%

Share Certificates

TERM

MINIMUM
BALANCE

FEES

RATE

APY*

6 Month

$500

30 Days of Interest Penalty Charge

3.10%

3.148%

12 Month

$500

30 Days of Interest Penalty Charge

3.50%

3.562%

18 Month

$500

30 Days of Interest Penalty Charge

3.60%

3.665%

24 Month

$500

30 Days of Interest Penalty Charge

4.00%

4.081%

36 Month

$500

$10,000
$50,000
$75,000

90 Days of Interest Penalty Charge

3.75%

3.821%

48 Month

$500
$10,000
$50,000
$75,000

90 Days of Interest Penalty Charge

3.75%

3.821%

60 Month

$500
$10,000
$50,000
$75,000

180 Days of Interest Penalty Charge

3.80%

3.873%

*APY=Annual Percentage Yield. Rates are subject to change at any time without prior notice.

New Vehicle Loans

TERM

MAXIMUM AMOUNT*

APR AS LOW AS*

OTHER REQUIREMENTS

12 Month

$50,000

6.00%

2023 model or newer and fewer than 500 miles

24 Month

$50,000

6.00%

2023 model or newer and fewer than 500 miles

36 Month

$50,000

6.50%

2023 model or newer and fewer than 500 miles

48 Month

$50,000

6.75%

2023 model or newer and fewer than 500 miles

60 Month

$50,000

7.25%

2023 model or newer and fewer than 500 miles

72 Month

$50,000

7.75%

2023 model or newer and fewer than 500 miles

Used Vehicle Loans

TERM

MAXIMUM AMOUNT*

APR AS LOW AS*

OTHER REQUIREMENTS

12 Month

$30,000

7.00%

Up to 15 Model Years back

24 Month

$30,000

7.25%

Up to 15 Model Years back

36 Month

$30,000

7.50%

Up to 10 Model Years back

48 Month

$30,000

8.00%

Up to 10 Model Years back

60 Month

$30,000

8.25%

Up to 10 Model Years back

72 Month

$30,000

8.50%

Up to 10 Model Years back

Personal Loans

LOAN TYPE

MAXIMUM AMOUNT*

APR AS LOW AS*

MAXIMUM TERM

Personal Secured Loan

$25,000

2.50%

60 Months

Personal Unsecured Loan (0-36 months)

$25,000

10.25%

36 Months

Personal Unsecured Loan (37-48 months)

$25,000

11.25%

48 Months

Personal Unsecured Loan (49-60 months)

$25,000

12.25%

60 Months

Overdraft Protection LOC**

$5,000

11%

Renews Annually

Home Equity Loans

TERM

MAXIMUM TERM

APR AS LOW AS*

Other Requirements

3-5 Years

60 Months

6.00%

Eligibility Check Required

6-10 Years

120 Months

6.25%

Eligibility Check Required

11-15 Years

180 Months

6.75%

Eligibility Check Required

16-20 Years

240 Months

7.25%

Eligibility Check Required

 

Home Equity Line of Credit

Product

APR AS LOW AS++

Notes

Other Requirements

Home Equity Line of Credit

8.50%

Contact our local branch for additional details.

Eligibility Check Required

*APR=Annual Percentage Rate. Rates may change based on credit eligibility, LTV, loan amount, and loan term. Rates are subject to change at any time without prior notice.
**Enrollment required. Enrollment approval based on eligibility check.
++APR is accurate as of 9/21/2023 and variable based on the Wall Street Journal prime rate, plus a margin depending on credit score.

top services

Personal checking icon

Personal checking

Our easiest spending account. Built for everyone. Especially YOU. No minimum balance, no fees, and no problems with our Personal Checking Account.

Personal savings icon

Personal savings

The foundation to your Community First Fund Credit Union membership. With a low minimum balance and competitive interest rates, it's a first step on the path to financial wellness.

Business checking icon

Business checking

Community First Fund Credit Union offers a Business Checking Account with no minimum balance, no fees… and no stress! It's the perfect business banking solution.

Open your account

You can open your account online at any time! Or stop by our branch and we will help get you started in person.

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