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Home Rates

Rates

Deposit Rates      
Loan Rates       Credit Card Rates       Mortgage Rates       Fees


Deposit Rates

Savings Rates

Rates effective December 1, 2014
  Account Type  Min. Balance  Dividend Rate  APY *
Regular Savings$100.25%.25%   
Kids Savings$25.25%.25%   
Holiday Club$25.25%.25%   
Health Savings Account 1.49%1.50%   
APY * = Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.

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CD/IRA Rate Specials

Rates effective December 1, 2014
  Account Type  Min. Balance  Dividend Rate  APY *
15 Month Certificate Special$5,000.80%.80%   
15 Month IRA Certificate Special$4,000.80%.80%   
APY * = Annual Percentage Yield
A penalty may apply to early withdrawals made from Certificates and or IRA Certificates as stated within the terms of the certificate. 

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Certificates

Rates effective December 1, 2014
  Account Type  Min. Balance  Dividend Rate  APY *
15 Month Certificate Special$5,000.80%.80%   
90 Days$2,500.15%.15%   
6 Month$2,500.40%.40%   
1 Year$1,000.65%.65%   
18 Months$1,000.90%.90%   
2 Year$1,0001.00%1.00%   
3 Year$1,0001.14%1.15%   
5 Year$1,0001.49%1.50%   
APY * = Annual Percentage Yield
Penalty for early withdrawal. 

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IRA (Traditional, Roth or Coverdell Education Savings Account)

Rates effective December 1, 2014
  Account Type  Min. Balance  Dividend Rate  APY *
15 Month IRA Certificate Special$4,000.80%.80%   
1 Year$1,000.65%.65%   
18 Month$1,000.90%.90%   
2 Year$1,0001.00%1.00%   
3 Year$1,0001.15%1.15%   
5 Year$1,0001.49%1.50%   
Accumulator IRA (Traditional & Roth Only)None.35%.35%   
Coverdell Education Savings AccountNone.35%.35%   
Members Choice Money Market(1)(With Active Checking)$75,000.70%.70%   
Memberís Choice Money Market(1) (Without Checking Account)$75,000.35%.35%   
Ultimate IRA Money Market (2)$15,000.45%.45%   
Affordable IRA Money Market (3)$7,500.30%.30%   
(1) Balances falling below $75,000 earn a rate and APY of 0.25%, and incur a $25 monthly service charge.
(2) Balances falling below $15,000 earn a rate and APY of 0.25%, and incur a $15 monthly service charge.
(3) Balances falling below $7,500 earn a rate and APYof 0.25%, and incur a $15 monthly service charge.

APY * = Annual Percentage Yield
Penalty for early withdrawal on IRA Certificates.

Rates on non-certificate IRAs may change after account opening and fees may reduce earnings. 

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Money Market Rates

Rates effective December 1, 2014
  Account Type  Min. Balance  Dividend Rate  APY *  Notes
Members Choice Money Market (1)$75,000.70%.70%With Active Checking   
 $75,000.35%.35%Without Active Checking   
Ultimate Money Market (2)$15,000.45%.45%    
Affordable Money Market (3)$7,500.30%.30%    
First Choice Money Market Savings$10,000.30%.30%    
(1) Balances falling below $75,000 earn a rate and APY of 0.25%, and incur a $25 monthly service charge.
(2) Balances falling below $15,000 earn a rate and APY of 0.25%, and incur a $15 monthly service charge.
(3) Balances falling below $7,500 earn a rate and APYof 0.25%, and incur a $15 monthly service charge.
(4) Minimum combined loan and/or deposit balance required to open and maintain account.


APY * = Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.

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Checking Rates

Rates effective December 1, 2014
  Account Type  Min. Balance  Dividend Rate  APY *
Member's Choice (4)All Balances.25%.25%   
Direct Benefit & Regular Checking$5,000.15%.15%   
 $500 - $4,999.99.05%.05%   
Free Checking$00.00%0.00%   
APY * = Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.
 

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Corporate Checking

Rates effective December 1, 2014
  Account Type  Min. Balance  Dividend Rate  APY *
Tier 1$2,500.05%.05%   
Tier 2$25,000.20%.20%   
Tier 3$50,000.30%.30%   
APY * = Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.
 

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Fees

Checking Account Fees

Rates effective August 15, 2010
Overdraft fee $25 Per Occurrence (Limit of 6/day)
Overdraft Transfer Fee $12 per occurrence when transferred from savings
Returned Check Charge $12 per item on deposited items
ACH Return Fee $25
ACH Paper Return Fee $55
Live Telephone Transfer $2
$5 for Free Checking
No charge for Member's Choice Account
Stop Payment Fee $25
Account Closing Fee $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
Member ID Card Replacement Fee $.50
Inactive Account Fee $2 per month

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ATM/TYME Card & VISA Check Card Fees

Rates effective July 21, 2011
Transactions Free
Unlimited Transactions at all POS or merchant terminals
Card or Pin Replacement Fee $5
Overdraft Fee $25 per occurrence
ATM Out-of-State transactions $2 each
International Fee A fee of 1.00% of the amount of the transaction, calculated in US dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals, and credits to your account. 

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Miscellaneous Fees

Rates effective April 1, 2014
Wire Transfers
Domestic outgoing wire transfer $20 
Domestic incoming wire transfer $10
International wire transfer $100
Money Orders
Money Order Fee $1
Commercial Money Order Fee $40
Foreign Check Collection Fee $50
Cashier Check Fee $1
Photocopies $ .25 per page
Zipper Cash Bag Fee $5
Lockable Zipper Cash Bag $30-$50 depending on size
Fax Services
First page outgoing $2
Each additional page outgoing $1
First page incoming $1
Each additional page incoming $ .50
Traveler checks $1 (per $100 purchased)
Free for Direct Benefit & Member's Choice Checking
Safe deposit box Varies depending on size
Check Cashing Fee $2 per check
Check Replacement Fee $25 (non-member)
  BillPayer Fees - Bill Payer is FREE when you pay 1 bill/month. 
BillPayer Inactive Fee $4.95/month when no bill is paid
  Rush Payment Options within BillPayer. No fees if not used.
Rush Payment - Overnight Check $14.95
Rush Payment - Same Day $9.95
  Account to Account Transfers. No fees if not used. Available service within BillPayer to transfer money between your CFCU and other financial institutions. Note: Transferring money between CFCU accounts can be done anytime in PC Online Banking with no fees.
    Incoming Transfers (to CFCU) FREE
    Outgoing Transfers (from CFCU) $2.00
  PopMoney.  No fees if not used.
Available service within BillPayer to send money to family and friends electronically. 
Sent Via Delivery Time Amount Fee
Email Address or
Mobile Phone Number
3 Day Delivery
$0.00 - $249.99
$250.00 - $999.99
$1000.00 and more
$0.50
$0.75
$1.50
Bank Account Information 3 Day Delivery
$0.00 - $249.99
$250.00 - $999.99
$1000.00 and more
$0.50
$0.75
$1.75
Email Address or
Mobile Phone Number
Next Day Delivery
$0.00 - $249.99
$250.00 - $999.99
$1000.00 and more
$0.85
$1.00
$2.00
Bank Account Information Next Day Delivery
$0.00 - $249.99
$250.00 - $999.99
$1000.00 and more
$0.85
$1.00
$2.00

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Loan Rates

Enjoy the best possible rate when you pair your loan with an active Checking account with Direct Deposit at Community First!

1st Mortgage Specials

Rates effective December 1, 2014
  Type  Term  APR *  Checking with Autopay APR as low as  Checking with Autopay and Direct Deposit APR as low as
6 Year Balloon ($500 closing costs*)Up to 30 year amortization - Special: $500 Closing Costs on Refinances. Check with us for purchase closing costs - $10,000 New Loan Money Required3.60%3.09%2.56% Apply Now 
10 Year Balloon up to 30 year amortization - Special: $500 Closing Costs on Refinances. Check with us for purchase closing costs.4.82%4.32%3.82% Apply Now 
10 & Done 10 year amortization - Special: $500 Closing Costs on Refinances. Check with us for purchase closing costs.4.36%3.86%3.36% Apply Now 
(*restrictions may apply.  See lender for complete details  Minimum loan amount of $20,000 new money).
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Home Equity Lines & Loans

Rates effective December 1, 2014



  Type  Term  Checking with Autopay APR as low as  Checking with Autopay and Direct Deposit APR as low as
6 Year Balloon - $500 Closing Costs*Up to 80% LTV - $500 Closing Costs - $10,000 New Money Required3.09%2.56%CalculatorApply Now 
3 Year Home Equity LoanUp to 80% LTV3.45%2.95%CalculatorApply Now 
LTV= Loan to Value. Up to 30-year amortization.  Minimum loan amount of $10,000 new money.
Your rate is determined by your account relationship and credit score.
* APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.

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Home Equity Line of Credit

Rates effective December 1, 2014



  Home Equity Line of Credit  Term  APR *  Checking with Autopay APR as low as  Checking with Autopay and Direct Deposit APR as low as
Home Equity Line of CreditUp to 80% LTV4.00%---4.00%CalculatorApply Now 
LTV = Loan to Value.  Minimum line amount $10,000.  Variable rates tied to  Wall Street Prime Rate Your rate is determined by your account relationship and credit score.

* APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.

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Vehicle & Cycle Loans

Rates effective December 1, 2014



  Type  Term  APR *  Checking with Autopay APR as low as  Checking with Autopay and Direct Deposit APR as low as  Model Years
2013 & Newer (72 Months)72 Months3.49%2.99%2.49%2013 & Newer Apply Now 
2013 & Newer (84 months)84 months ($30K min.)4.49%3.99%3.49%2013 & Newer Apply Now 
2009-2014 Up to 66 months3.49%2.99%2.49%2009-2014   
2008 Up to 48 Months3.49%2.99%2.49%2008   
2006-2007Up to 48 Months4.75%4.25%3.75%2006-2007   
2005 & olderUp to 36 Months5.75%5.25%4.75%2005 & older   
LTV = Loan to Value. Your rate is determined by your account relationship and credit score.

* APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.




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Boat & RV Loans

Rates effective December 1, 2014



  Type  Term  APR *  Checking with Autopay APR as low as  Checking with Autopay and Direct Deposit APR as low as  Loan Amount
Boat & RV LoansUp to 72 Months3.49%2.99%2.49% Any Amount Apply Now 
 84 months (up to 84 month amortization) as low as9.49%8.99%8.49%$5000-$7500 Apply Now 
 120 Months7.99%7.49%6.99%$7501-$15000 Apply Now 
 120 Months7.24%6.74%6.24%$15,001-$25,000 Apply Now 
 120 months (up to 180 month amortization) as low as6.74%6.24%5.74%$25,001 or higher Apply Now 
(2009 and newer.  Ask for financing rates on 2008 and older.)
Your rate is determined by your account relationship and credit score.
* APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.
** Monthly payments are based on payment per $1000 for the terms noted and lowest rate available with checking, autopay and direct deposit.  Minimum loan amoun is $1000.

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Personal Loans

Rates effective December 1, 2014



  Type  APR *  Checking with Autopay APR as low as  Checking with Autopay and Direct Deposit APR as low as
Secured** (Jet Skis, ATVs, etc.)3.49%2.99%2.49% Apply Now 
Kwik-Cash Line of Credit13.90%   Apply Now 
Unsecured as low as9.74%9.24%8.74% Apply Now 
** All secured loans will be priced at .50 additional for every 6 months beyond standard terms available.
Your rate is determined by your account relationship and credit score.

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Lot and Land Loans

Rates effective December 1, 2014



  Type  APR *  Checking with Autopay APR as low as  Checking with Autopay and Direct Deposit APR as low as  Amortization
One Year Balloonas low as 5.99% APRas low as 5.49% APRas low as 4.99% APRUp to 30 years Apply Now 
3 Year Balloon6.49%5.99%5.49%  Apply Now 
5 Year Balloon6.99%6.49%5.99% CalculatorApply Now 
Your rate is determined by your account relationship and credit score.

* APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.


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Credit Card Rates

Platinum VISA or MasterCard

Rates effective February 3, 2009
Choose one of Community First's GREAT Credit Cards!
  Card Type  APR *
GREAT Rate Platinum Credit Cardas low as 8.99%   
GREAT Rewards Platinum Cardas low as 10.99%   
*APR=Annual Percentage Rate

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Student Cards

Rates effective February 3, 2009
Gain experience handling credit in a secure and responsible way while enjoying the convenience that comes from carrying your own credit card from Community First.
  Student Card  APR *
Student Card9.99%   
*APR = Annual Percentage Rate
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Mortgage Rates

Please visit our Mortgage Center for current mortgage rates.
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Community First Credit Union   P.O. Box 1487  Appleton, WI    54912-1487 920.830.7200    1.866.273.2328
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