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Source: https://www.communityfirstcu.org/rates
Read: 2026-10-22T12:04:29.000Z

Type | Minimum Balance | Dividend Rate | APY 1
Membership & Regular Savings | $100 | 0.30 | 0.30
Youth Savings | $25 | 0.30 | 0.30
Holiday Club | $25 | 0.50 | 0.50
Health Savings Account | None | 1.00 | 1.00
1 APY= Annual Percentage Yield.
Type | Minimum Balance | Dividend Rate | APY 1
Member's Choice IRA Money Market (with active checking*) 2 | $2,000,000 | 3.88 | 3.95
Member's Choice IRA Money Market (with active checking*) 2 | $750,000 | 3.83 | 3.90
Member's Choice IRA Money Market (with active checking*) 2 | $500,000 | 3.59 | 3.65
Member's Choice IRA Money Market (with active checking*) 2 | $300,000 | 3.45 | 3.50
Member's Choice IRA Money Market (with active checking*) 2 | $150,000 | 2.96 | 3.00
Member's Choice IRA Money Market (with active checking*) 2 | $75,000 | 1.98 | 2.00
Member's Choice IRA Money Market (without checking) 2 | $150,000 | 1.14 | 1.15
Member's Choice IRA Money Market (without checking) 2 | $75,000 | 1.00 | 1.00
Ultimate IRA Money Market 3 | $15,000 | 1.05 | 1.05
Affordable IRA Money Market 4 | $7,500 | 0.90 | 0.90
1 APY=Annual Percentage Yield
2 Balances falling below $75,000 earn a rate and APY of 0.30%, and incur a $25 monthly service charge.
3 Balances falling below $15,000 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
4 Balances falling below $7,500 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
Type | Minimum Balance | Dividend Rate | APY 1
With Active Checking* 2 | $2,000,000 | 3.88 | 3.95
With Active Checking* 2 | $750,000 | 3.83 | 3.90
With Active Checking* 2 | $500,000 | 3.59 | 3.65
With Active Checking* 2 | $300,000 | 3.45 | 3.50
With Active Checking* 2 | $150,000 | 2.96 | 3.00
With Active Checking* 2 | $75,000 | 1.98 | 2.00
Without Checking 2 | $150,000 | 1.14 | 1.15
Without Checking 2 | $75,000 | 1.00 | 1.00
1 APY= Annual Percentage Yield
2 Balances falling below $75,000 earn a rate and APY of 0.30%, and incur a $25 monthly service charge.
Type | Minimum Balance | Dividend Rate | APY 1
Ultimate Money Market 2 | $15,000 | 1.05 | 1.05
1 APY= Annual Percentage Yield
2 Balances falling below $15,000 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
Type | Minimum Balance | Dividend Rate | APY 1
Affordable Money Market 2 | $7,500 | 0.90 | 0.90
1 APY= Annual Percentage Yield
2 Balances falling below $7,500 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
Type | Minimum Balance | Dividend Rate | APY 1
CD Special: Pick Your Term - Choose from 5, 10, or 15 Months Term | $5,000 | 4.94 | 5.05
3 Month | $2,500 | 2.96 | 3.00
6 Month | $2,500 | 3.20 | 3.25
1 Year | $1,000 | 3.59 | 3.65
18 Month | $1,000 | 3.59 | 3.65
2 Year | $1,000 | 3.59 | 3.65
3 Year | $1,000 | 3.74 | 3.80
5 Year | $1,000 | 3.93 | 4.00
1 APY= Annual Percentage Yield Penalty for early withdrawal on Certificates.
Type | Minimum Balance | Dividend Rate | APY 1
IRA CD Special: Pick Your Term - Choose from 5, 10, or 15 Months | $5,000 | 4.96 | 5.05
1 Year | $1,000 | 3.60 | 3.65
18 Month | $1,000 | 3.60 | 3.65
2 Year | $1,000 | 3.60 | 3.65
3 Year | $1,000 | 3.75 | 3.80
5 Year | $1,000 | 3.94 | 4.00
1 APY= Annual Percentage Yield Penalty for early withdrawal on Certificates.
Type | Minimum Balance | Dividend Rate | APY 1
Accumulator IRA | None | 0.30 | 0.30
1 APY= Annual Percentage Yield.
Type | Minimum Balance | Dividend Rate | APY 1
Member's Choice Checking | All Balances 2 | 0.30 | 0.30
Direct Benefit & Regular Checking | $5,000+ | 0.20 | 0.20
Direct Benefit & Regular Checking | $500 - $4,999.99 | 0.10 | 0.10
Free Checking | $0 | 0.00 | 0.00
1 APY= Annual Percentage Yield
Type | Minimum Balance | Dividend Rate | APY 1
Tier 1 | $2,500 | 0.15 | 0.15
Tier 2 | $25,000 | 0.25 | 0.25
Tier 3 | $50,000 | 0.35 | 0.35
1 APY= Annual Percentage Yield
Term | APR 1 (as low as) | Monthly Payment 2
36 months | 4.250 | $29.64
48 months | 4.250 | $22.69
60 months | 4.250 | $18.53
72 months | 4.250 | $15.76
84 months 3 | 5.990 | $14.60
Term | APR 1 (as low as) | Monthly Payment 2
36 months | 4.250 | $29.64
48 months 3 | 4.250 | $22.69
60 months 4 | 4.250 | $18.53
72 months 5 | 4.250 | $15.76
Term | APR 1 (as low as) | Monthly Payment 2
24 months | 5.250 | $43.98
36 months | 5.250 | $30.08
48 months | 5.250 | $23.14
Term | APR 1 (as low as) | Monthly Payment 2
36 months | 4.250 | $29.64
48 months 3 | 4.250 | $22.69
60 months 4 | 4.250 | $18.53
72 months 5 | 4.250 | $15.76
72 months - up to 120 mo. amortization 5, 6 | 4.250 | $10.24
72 months - up to 180 mo. amortization 5, 6, 7 | 4.250 | $7.52
Term | APR 1 (as low as) | Monthly Payment 2
24 months | 5.250 | $43.98
36 months | 5.250 | $30.08
48 months | 5.250 | $23.14
Term | APR 1 (as low as) | Monthly Payment 2
24 months | 4.250 | $43.54
36 months | 4.250 | $29.64
48 months | 4.250 | $22.69
60 months 3 | 4.250 | $18.53
Term | APR 1 (as low as) | Monthly Payment 2
24 months | 5.250 | $43.98
36 months | 5.250 | $30.08
48 months | 5.250 | $23.14
Term | APR 1 (as low as) | Monthly Payment 2
Up to 120 months 3 | 8.99 | $12.66
Term | APR 1 (as low as) | Monthly Payment 2
Up to 36 months | 10.49 | $32.50
Up to 48 months | 10.74 | $25.72
Up to 60 months | 10.99 | $21.74
APR 1 (as low as) | Monthly Payment 2
13.90 | $40.00
2 Monthly payment is based on payment per $1,000 for term and rate shown above. Payment is 4% of the outstanding balance.
Type | APR 1 (as low as)
Visa® | 15.00
Type | APR 1 (as low as)
MasterCard® or Visa® | 8.99
Type | APR 1 (as low as)
MasterCard® or Visa® | 10.99
Type | APR 1 (as low as)
MasterCard® or Visa® | 9.99
Type | APR 1 (as low as)
Visa® | 15.99
Type | Note Rate (as low as) | APR 1 (as low as) | Monthly Payment 2
30 Year Fixed Rate | 7.250 | 7.315 | $1,706.89
15 Year Fixed Rate | 6.750 | 6.850 | $2,213.64
10 & Done Home Loan | 5.125 | 5.257 | $2,668.03
30 Year Fixed - 10% Down with No Mortgage Insurance 4 | 7.375 | 7.437 | $1,866.42
1, 2 APR and Assumptions: The Annual Percentage Rate (APR) reflects the total cost of credit over the term of the loan, including the interest rate and certain fees and charges associated with the loan. The APR may differ from the note rate. Unless specified otherwise below, all listed rates and payments examples are based on a $250,000 loan amount, 80% loan-to-value (LTV) ratio, the purchase of a single-family owner-occupied primary residence, and a minimum credit score of 720.
4 10% Down Payment with No Mortgage Insurance (MI): Rate and payment example are based on a $270,000 loan amount and 90% LTV ratio.
Type | Note Rate (as low as) | APR 1 (as low as) | Monthly Payment 2
6 Year Balloon | 5.240 | 5.363 | $1,379.87
10 Year Balloon | 5.740 | 5.827 | $1,458.38
10 Year Balloon - 10% Down with No Mortgage Insurance 4 | 5.865 | 5.947 | $1,596.58
1, 2 APR and Assumptions: The Annual Percentage Rate (APR) reflects the total cost of credit over the term of the loan, including the interest rate and certain fees and charges associated with the loan. The APR may differ from the note rate. Unless specified otherwise below, all listed rates and payments examples are based on a $250,000 loan amount, 80% loan-to-value (LTV) ratio, the purchase of a single-family owner-occupied primary residence, and a minimum credit score of 720.
4 10% Down Payment with No Mortgage Insurance (MI): Rate and payment example are based on a $270,000 loan amount and 90% LTV ratio.
Type | Note Rate (as low as) | APR 1 (as low as) | Monthly Payment 2
5/1 ARM | 5.375 | 6.567 | $1,399.93
7/1 ARM | 5.625 | 6.474 | $1,439.14
7/1 ARM - 10% Down with No Mortgage Insurance 4 | 5.750 | 6.533 | $1,575.65
1, 2 APR and Assumptions: The Annual Percentage Rate (APR) reflects the total cost of credit over the term of the loan, including the interest rate and certain fees and charges associated with the loan. The APR may differ from the note rate. Unless specified otherwise below, all listed rates and payments examples are based on a $250,000 loan amount, 80% loan-to-value (LTV) ratio, the purchase of a single-family owner-occupied primary residence, and a minimum credit score of 720.
4 10% Down Payment with No Mortgage Insurance (MI): Rate and payment example are based on a $270,000 loan amount and 90% LTV ratio.
Type | Note Rate (as low as) | APR 1 (as low as) | Monthly Payment 2
30 Year Fixed Rate 3 | 7.250 | 7.274 | $6,144.79
7/1 ARM 4 | 5.625 | 6.437 | $5,180.91
6 Year Balloon 5 | 5.240 | 5.280 | $4,967.53
1, 2 APR and Assumptions: The Annual Percentage Rate (APR) reflects the total cost of credit over the term of the loan, including the interest rate and certain fees and charges associated with the loan. The APR may differ from the note rate. Unless specified otherwise below, all listed rates and payments examples are based on a $250,000 loan amount, 80% loan-to-value (LTV) ratio, the purchase of a single-family owner-occupied primary residence, and a minimum credit score of 720.
Type | Note Rate (as low as) | APR 1 (as low as) | Monthly Payment 2
3/1 ARM | 5.750 | 7.092 | $702.08
5/1 ARM | 5.875 | 6.854 | $709.24
7/1 ARM | 6.125 | 6.788 | $723.66
1, 2 APR and Assumptions: The Annual Percentage Rate (APR) reflects the total cost of credit over the term of the loan, including the interest rate and certain fees and charges associated with the loan. The APR may differ from the note rate. Rates and payments examples are based on a $100,000 loan amount, 80% LTV ratio, for raw land/lot purchases, a minimum credit score of 680, and repayment over 20 years (240 monthly payments).
3 Lot Loans: Rate and payment example is based on a $100,000 loan amount, 80% LTV ratio, for raw land/lot purchases, a minimum credit score of 680, and repayment over 20 years (240 monthly payments).
Term | Note Rate (as low as) | APR 1 (as low as) | Monthly Payment 2
6 years | 5.240 | 5.362 | $5.52
1 APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history and credit score and a loan to value (LTV) of 80% or less. Rates subject to change without notice. APR includes $200 loan processing fee. New money minimum: $20,000.
Type | Term | APR 1 (as low as) | Monthly Payment 2
Line of Credit 3 | Up to 10 year draw period | 7.000 | $15.00
1 APR = Annual Percentage Rate. Your account relationship, credit score and a loan to value (LTV) of 80% or less determine your rate. Rates subject to change. Variable rate tied to Wall Street Prime Rate.
2 Monthly payment is based on payment per $1,000 for term and rate shown above. Minimum monthly payment required is 1.5% of balance.
Overdraft Fee | $25 per occurrence (Maximum of 6/day)
Overdraft Transfer Fee | None
Returned Check Charge | $12 per item on deposited items
ACH Return Fee | $25
ACH Paper Return Fee | $55
Stop Payment Fee | $25
Account Closing Fee, within 30 days of account opening | $10
Check Printing | Varies by style
Check Copy Fee | $2 per copy
Receipt Copy Fee | $1 per copy
Account History Fee | $1 per page
Account Reconciliation | $15 per hour
Account Research Fee | $15 per hour
Inactive Account Fee | $2 per month
Transactions | Free unlimited transactions at all POS or merchant terminals
Card Replacement Fee | $5
Overdraft Fee | $25 per occurrence
International Fee | None
Domestic Outgoing Wire Transfer | $20
Domestic Incoming Wire Transfer | $10
International Wire Transfer | $100
Money Order Fee | $1
Foreign Check Collection Fee | $50
Cashiers Check Fee | $1