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Rates

Deposit Rates

Savings Rates

Rates effective September 1, 2017

  Account Type  Min. Balance  Dividend Rate  APY *
Regular Savings$100.30%.30%   
Kids Savings$25.30%.30%   
Holiday Club$25.30%.30%   
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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Certificates

Rates effective September 9, 2017

  Account Type  Min. Balance  Dividend Rate  APY *
13 Month Certificate Special**$4,0001.49%1.50%   
90 Days$2,500.35%.35%   
6 Month$2,500.60%.60%   
1 Year$1,000.85%.85%   
18 Months$1,0001.09%1.10%   
2 Year$1,0001.19%1.20%   
3 Year$1,0001.34%1.35%   
5 Year$1,0001.69%1.70%   
APY * = Annual Percentage Yield. Penalty for early withdrawal. ** Add .10% when you have checking & direct deposit.

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IRA (Traditional, Roth or Coverdell Education Savings Account)

Rates effective September 9, 2017

  Account Type  Min. Balance  Dividend Rate  APY *
13 Month Certificate Special**$4,0001.49%1.50%   
1 Year$1,000.85%.85%   
18 Month$1,0001.10%1.10%   
2 Year$1,0001.19%1.20%   
3 Year$1,0001.34%1.35%   
5 Year$1,0001.69%1.70%   
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)$15,000.50%.50%   
Affordable IRA Money Market (3)$7,500.35%.35%   
(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  ** Add .10% when you have checking & direct deposit.

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 September 1, 2017

  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)$15,000.50%.50%    
Affordable Money Market (3)$7,500.35%.35%    
First Choice Money Market Savings$10,000.35%.35%    
(1) Balances falling below $75,000 earn a rate and APY of 0.30%, and incur a $25 monthly service charge.
(2) Balances falling below $15,000 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
(3) Balances falling below $7,500 earn a rate and APY of 0.30%, 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 September 1, 2017

  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 September 1, 2017

  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 September 1, 2017
                                                                                                                                                           
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 Card & VISA Check Card Fees

Rates effective September 1, 2017
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 September 9, 2017
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

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 September 1, 2017
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  Model Year  Term  Monthly Payment Per $1,000  APR As Low As*
2016 & newer Up to 66 months$16.242.49% Apply Now 
2016 & newer Up to 72 months$15.082.74% Apply Now 
2016 & newerUp to 84 months ($30,000 min.)$13.563.74% Apply Now 
2013 & newerUp to 72 months$15.082.74% Apply Now 
2012 & newer Up to 66 months$16.242.49% Apply Now 
2011 Up to 48 months$21.922.49% Apply Now 
2009-2010Up to 48 months$22.483.75% Apply Now 
2008 & olderUp to 36 months$29.884.75% 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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Recreational Vehicle Loans

Rates effective September 1, 2017

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  Model Year   Term  Monthly Payment Per $1,000  Apr As Low As*
2013 & newer Boat, RVUp to 66 months$16.242.49% Apply Now 
$15,000-$20,000 72 months (up to 120 mth amortization) **$9.542.74% Apply Now 
$20,001 & higher 72 months (up to 180 mth amortization) **$6.802.74% Apply Now 
Snowmobiles, ATVs, Jet Skisup to 60 months$17.762.49% Apply Now 
 * APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. Rates subject to change. 
 ** Boat/RV loans: Monthly payment on $20,000.00, 120-month amortization results in 71 payments of $190.82 and a final payment of $8,847.24. Monthly payment on $25,000.00, 180-month amortization results in 71 payments of $169.62 and a final payment of $16,507.42.  Ask for rates on 2012 and older.


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Personal Loans

Rates effective September 1, 2017

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  Type  Term  Monthly Payment Per $1,000  APR As Low As*
Kwik-Cash Line of Credit$40.0013.90% Apply Now 
Signature Loan36 months$31.929.24% 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

Rates effective September 1, 2017
 For information about other Fixed Rate or Adjustable Rate Mortgage rates click here.
  Type  Term  Monthly Payment Per $1,000  APR As Low As*
6 Year Balloon - SPECIALUp to 30 year amortization - Up to 80% loan-to-value - ZERO Closing Costs with Checking & Direct Deposit (additional fee may apply if appraisal is required) - $20,000 New Money Required for first mortgages**$4.222.99% Apply Now 
10 Year Lock ItUp to 30 year amortization - 80% loan-to-value available- $500 Closing Costs on refinances. (additional cost if appraisal is required) Minimum $20,000 new money for first mortgage. Check with us for purchase closing costs.**$4.483.54% Apply Now 
10 & Done Home LoanUp to 10 year amortization and 80% loan-to-value available- $500 closing costs on refinances (additional cost if appraisal is required). Minimum $20,000 new money for first mortgage.$9.783.32% Apply Now 
*APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history and credit score. 
** Real Estate/Home Equity: Monthly payment on $100,000.00, 30-year amortization results in 71 payments of $421.26 and a final payment of $86,877.29. Monthly payment on $100,000.00, 30-year amortization results in 119 payments of $448.70 and a final payment of $78,058.57. Payments do not include taxes and insurance.

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Home Equity Loans

Rates effective September 1, 2017




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  Type  Term  Monthly Payment Per $1,000  APR As Low As*
6 Year Balloon - SPECIAL6 Year Up to 80% loan-to-value - ZERO Closing Costs with Checking & Direct Deposit (additional fee may apply if appraisal is required) - $20,000 New Money Required for first mortgages; $10,000 for second mortgages.**$4.222.99% 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.  
 
** Real Estate/Home Equity: Monthly payment on $100,000.00, 30-year amortization results in 71 payments of $421.26 and a final payment of $86,877.29. Payments do not include taxes and insurance.




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Home Equity Line of Credit

Rates effective September 1, 2017



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  Home Equity   Term  Monthly Payment Per $1,000  APR As Low As*
Line of Credit Up to 80% LTV, 10 year draw period.$15.004.25% Apply Now 
Payment is 1.5% of the outstanding balance. Minimum line amount $10,000.  Variable rates tied to  Wall Street Prime Rate .
* APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. Rates subject to change.

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Credit Card Rates

Platinum VISA or MasterCard

Rates effective September 1, 2017
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 September 1, 2017
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.