Rates
Deposit RatesSavings RatesRates effective January 1, 2012Money Market RatesRates effective January 1, 2012| Account Type | Min. Balance | Dividend Rate | APY * | Notes | | | Members Choice Money Market (1) | $75,000 | .80% | .80% | With Active Checking | | | | | | $75,000 | .40% | .40% | Without Active Checking | | | | | Ultimate Money Market (2) | $15,000 | .50% | .50% | | | | | | 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 0.30%, 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 APYof 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
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Checking RatesRates effective January 1, 2012Corporate CheckingRates effective January 1, 2011| 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
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CertificatesRates effective April 23, 2012IRA (Traditional, Roth or Coverdell Education Savings Account)Rates effective April 23, 2012| Account Type | Min. Balance | Dividend Rate | APY * | | | 15 Month IRA Certificate Special | $4,000 | 1.10% | 1.10% | | | | | 1 Year | $1,000 | .90% | .90% | | | | | 18 Month | $1,000 | 1.15% | 1.15% | | | | | 2 Year | $1,000 | 1.24% | 1.25% | | | | | 3 Year | $1,000 | 1.39% | 1.40% | | | | | 5 Year | $1,000 | 1.74% | 1.75% | | | | | Accumulator IRA (Traditional & Roth Only) | None | .35% | .35% | | | | | Coverdell Education Savings Account | None | .35% | .35% | | | | | Members Choice Money Market(1)(With Active Checking) | $75,000 | .80% | .80% | | | | | Member’s Choice Money Market(1) (Without Checking Account) | $75,000 | .40% | .40% | | | | | Ultimate IRA Money Market (2) | $15,000 | .50% | .50% | | | | | Affordable IRA Money Market (3) | $7,500 | .30% | .30% | | | | (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 APYof 0.30%, and incur a $15 monthly service charge.
APY * = Annual Percentage Yield
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CD/IRA Rate SpecialsRates effective April 23, 2012FeesChecking Account FeesRates 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 | | 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 FeesRates 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 FeesRates effective February 3, 2009
| Wire Transfers | | | Domestic outgoing wire transfer | $10 | | Domestic incoming wire transfer | No Charge | | International wire transfer | $50 | | | | Money Orders | | | Money Order Fee | $1 | | Commercial Money Order Fee | $25 | | | | 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) | | PC BillPayer Monthly Inactivity Fee | $4.95 | | | Loan RatesEnjoy the best possible rate when you pair your loan with an active Checking account with Direct Deposit at Community First!Home Equity Lines & LoansRates effective July 5, 2011
| Type | Term | APR * | Checking with Autopay APR as low as | Checking with Autopay and Direct Deposit APR as low as | | | 3 Year Balloon | Up to 80% LTV | 4.49% | 3.99% | 3.49% |  |  | | | 5 Year Balloon | Up to 80% LTV | 4.99% | 4.49% | 3.99% | | | | | 7 Year Balloon | Up to 80% LTV | 5.49% | 4.99% | 4.49% | | | | 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 CreditRates effective May 28, 2009
| 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 Credit | Up to 80% LTV | 4.00% | --- | 4.00% | | | | LTV = Loan to Value. Minimum line amount $10,000. Variable rates tied to Wall Stret 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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New Auto LoansRates effective January 1, 2012
| Type | Term | APR * | Checking with Autopay APR as low as | Checking with Autopay and Direct Deposit APR as low as | Model Years | | | New Auto Loan (72 Months) | 72 Months | 3.99% | 3.49% | 2.99% | 2011 & Newer | | | | | New Auto Loan (66 Months) | 66 months | 3.99% | 3.49% | 2.99% | 2011 & Newer | | | | | New Auto Loan (84 months) | 84 months ($30K min.) | 4.99% | 4.49% | 3.99% | 2011 & Newer | | | | | New Auto Loan (60 Months) | 60 Months | 3.99% | 3.49% | 2.99% | 2011 and Newer | | | | 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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Pre-Owned Auto LoansRates effective January 1, 2012
| Type | Term | APR * | Checking with Autopay APR as low as | Checking with Autopay and Direct Deposit APR as low as | Model Years | | | Pre-Owned Auto Loans | 66 months | 3.99% | 3.49% | 2.99% | 2007-2012 | | | | | | 48 months | 5.99% | 5.49% | 4.99% | 2005-2006 | | | | | | 36 Months | 5.99% | 5.49% | 4.99% | 2004 & 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.
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Boat & RV LoansRates effective January 1, 2012
| 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 | 66 Months | 3.99% | 3.49% | 2.99% | Any Amount | | | | | | 84 months (up to 84 month amortization) as low as | 9.49% | 8.99% | 8.49% | $5000-$7500 | | | | | | 120 Months | 7.99% | 7.49% | 6.99% | $7501-$15000 | | | | | | 120 Months | 7.24% | 6.74% | 6.24% | $15,001-$25,000 | | | | | | 120 months (up to 180 month amortization) as low as | 6.74% | 6.24% | 5.74% | $25,001 or higher | | | | (2007 and newer. Ask for financing rates on 2006 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 LoansRates effective September 12, 2011
| Type | APR * | Checking with Autopay APR as low as | Checking with Autopay and Direct Deposit APR as low as | | | Secured** (Jet Skis, ATVs, etc.) | 3.99% | 3.49% | 2.99% | | | | | Kwik-Cash Line of Credit | 13.90% | | | | | | | Unsecured as low as | 9.74% | 9.24% | 8.74% | | | | ** 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 LoansRates effective April 30, 2009
| Type | APR * | Checking with Autopay APR as low as | Checking with Autopay and Direct Deposit APR as low as | Amortization | | | One Year Balloon | as low as 5.99% APR | as low as 5.49% APR | as low as 4.99% APR | Up to 30 years | | | | | 3 Year Balloon | 6.49% | 5.99% | 5.49% | | | | | 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 RatesPlatinum VISA or MasterCardRates effective February 3, 2009
Choose one of Community First's GREAT Credit Cards!
Student CardsRates 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.
Mortgage RatesPlease visit our PC Mortgage Center for current mortgage rates.
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