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Home Rates

Rates

Deposit Rates      
Loan Rates       Credit Card Rates       Mortgage Rates       Fees


Deposit Rates

Savings Rates

Rates effective March 1, 2016

  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 March 18, 2016

  Account Type  Min. Balance  Dividend Rate  APY *
14 Month Certificate Special$2,5001.09%1.10%   
19 Month IRA Certificate Special$2,5001.19%1.20%   
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 March 18, 2016

  Account Type  Min. Balance  Dividend Rate  APY *
14 Month Certificate Special$2,5001.09%1.10%   
90 Days$2,500.25%.25%   
6 Month$2,500.50%.50%   
1 Year$1,000.75%.75%   
18 Months$1,0001.00%1.00%   
2 Year$1,0001.09%1.10%   
3 Year$1,0001.24%1.25%   
5 Year$1,0001.59%1.60%   
APY * = Annual Percentage Yield
Penalty for early withdrawal. 

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IRA (Traditional, Roth or Coverdell Education Savings Account)

Rates effective March 1, 2016

  Account Type  Min. Balance  Dividend Rate  APY *
19 Month IRA Certificate Special$2,5001.19%1.20%   
1 Year$1,000.75%.75%   
18 Month$1,0001.00%1.00%   
2 Year$1,0001.10%1.10%   
3 Year$1,0001.24%1.25%   
5 Year$1,0001.59%1.60%   
Accumulator IRA (Traditional & Roth Only)None.35%.35%   
Coverdell Education Savings AccountNone.35%.35%   
Members Choice Money Market(1)(With Active Checking)$75,000.80%.80%   
Memberís Choice Money Market(1) (Without Checking Account)$75,000.35%.35%   
Ultimate IRA Money Market (2)$15,000.55%.55%   
Affordable IRA Money Market (3)$7,500.40%.40%   
(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 March 1, 2016

  Account Type  Min. Balance  Dividend Rate  APY *  Notes
Members Choice Money Market (1)$75,000.80%.80%With Active Checking   
 $75,000.35%.35%Without Active Checking   
Ultimate Money Market (2)$15,000.55%.55%    
Affordable Money Market (3)$7,500.40%.40%    
First Choice Money Market Savings$10,000.40%.40%    
(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 March 1, 2016

  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 March 1, 2016

  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 January 1, 2016
                                                                                                                                                           
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
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 January 1, 2016
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 January 1, 2016
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


Vehicle & Cycle Loans

Rates effective February 9, 2016



  Type  Term  APR *  Checking with Autopay APR as low as  Checking with Autopay and Direct Deposit APR as low as  Model Year
2015 & Newer ($30,000 min.)Up to 84 months4.49%3.99%3.49%2015 & Newer Apply Now 
2012 & Newer Up to 72 months3.49%2.99%2.49%2012 & Newer Apply Now 
2011 Up to 66 months3.49%2.99%2.49%2011   
2010Up to 48 months3.49%2.99%2.49%2010   
2008-2009Up to 48 months4.75%4.25%3.75%2008-2009   
2007 & olderUp to 36 months5.75%5.25%4.75%2007 & older   
* 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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Recreational Vehicle Loans

Rates effective February 9, 2016



  Type  Term  APR *  Checking with Autopay APR as low as  Checking with Autopay and Direct Deposit APR as low as  Loan Amount
Boat & RV Loans*72 months3.49%2.99%2.49% Any Amount Apply Now 
Boats & RVs72 months (up to 120 mth amortization) 3.49%2.99%2.49%$15,000-$20,000 Apply Now 
Boats & RVs 72 months (up to 180 mth amortization) 3.49%2.99%2.49%$20,001 and higher Apply Now 
Snowmobiles, ATVs, Jet Skisup to 60 months3.49%2.99%2.49%   Apply Now 
* 2011 and newer, ask for rates on 2010 and older. 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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Personal Loans

Rates effective November 30, 2015

  Type  APR *
Kwik-Cash Line of Credit13.90% Apply Now 
Unsecured as low as9.74% Apply Now 
*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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1st Mortgage Specials

Rates effective February 9, 2016
 For information about other Fixed Rate or Adjustable Rate Mortgage rates click here.
  Type  Term  APR *  Checking with Autopay APR as low as  Checking with Autopay and Direct Deposit APR as low as
6 Year Balloon **SPECIAL**Up to 30 year amortization - $274 Closing Costs on Refinances (additional cost if an appraisal is required). Ask about purchase closing costs.3.49%2.99%2.49% Apply Now 
10 Year Lock ItUp to 30 year amortization - $500 Closing Costs on Refinances. $20,000 New Loan Money Required. Check with us for purchase closing costs.3.99%3.49%2.99% Apply Now 
10 & Done10 year amortization - $500 Closing Costs on Refinances. $20,000 New Loan Money Required. Check with us for purchase closing costs.3.99%3.49%2.99% Apply Now 
*APR = Annual Percentage Rate. Up to 80% Loan-to Value.  Minimum loan amount of $20,000 new money for first mortgages; $10,000 for second mortgages. Some restrictions may apply.
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Lot and Land Loans

Rates effective February 9, 2016



  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%  Apply Now 
*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 Loans

Rates effective February 9, 2016



  Type  Term  APR *  Checking with Autopay APR as low as  Checking with Autopay and Direct Deposit APR as low as
6 Year Balloon **SPECIAL**Up to 80% LTV - $274 Closing Costs (additional costs may apply if an appraisal is required) - $20,000 New Money Required for first mortgages; $10,000 for second mortgages.3.49%2.99%2.49% Apply Now 
3 Year Home Equity LoanUp to 80% LTV. $20,000 New Money Required for first mortgages; $10,000 for second mortgages.3.95%3.45%2.95% Apply Now 
LTV= Loan to Value. Up to 30-year amortization. 
*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 February 9, 2016



  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% Apply 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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Credit Card Rates

Platinum VISA or MasterCard

Rates effective November 30, 2015
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 November 23, 2015
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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