Building community together.

Community First Champion CenterThinking Icon
Community First Champion Center is an elite
sports and events venue in Grand Chute, WI.
This facility was built with the athlete in mind,
where the thrill of victory is inspirational.
Community First Champion Center.Community First Champion Center.

We're here to find a way for your business.

Backed with flexible financial products, creative individualized solutions and local market expertise, our Business Services Team is equipped to serve your company, non-profit organization or municipality – no matter the size.


The capabilities to meet your business demands.

Enjoy the features of working with a strong business financial provider combined with the benefits – such as low fees, better rates and personalized service – that come from being a member of a local credit union.


Years of experience helping businesses like yours.

As a credit union, we care about your business because your business is a part of our community.

Tim Hoff

Tim Hoff
Chief Lending Officer

John Nygaard

John Nygaard
VP Business Services

Michael Vedder

Michael Vedder
VP Business Services

Brent Jensen

Brent Jensen
VP Business Services

Michael Dirschl

Michael Dirschl
Business Lender

KaraLynne Moore

KaraLynne Moore
Portfolio Manager

We’ll find a way for your business.

Whether your business is big or small, established or new, we’re here for you.


How can we help?

( ) -
I would like more information regarding (check all which apply):

Making your money work for you.

Whether your needs are simple or complex, our checking and other deposit accounts will meet your needs. Plus, enjoy the satisfaction knowing your money stays right here making a difference in your community.

Choose the checking that matches your day-to-day needs.

As a business member of Community First Credit Union you benefit every day with better rates and less fees.

Community First Business Checking Accounts

Type I Business Checking

Type II Business Checking

Non-Profit Checking


Designed for businesses with minimal transaction activity such as start-ups or sole proprietorships.

Ideal for businesses with a higher volume of transactions each month.

With no service charges or fees, this account is perfect for managing non-profit's finances.

Earn Interest
See rate chart
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Same day credit for deposits
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Full service Saturday hours
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Digital banking options
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Withdrawal fees 
100 FREE / mo., $.10 ea. thereafter
If more than 100 in a month, all transactions are $.10 ea.
$.10 per withdrawal 100 FREE / mo.,
If more than 100 in a month, all transactions are $.10 ea.
Deposit fees
200 FREE / mo., $.06 ea. thereafter
If more than 200 in a month, all transactions are $.06 ea.
$.06 per deposit item 200 FREE / mo., $.06 ea. thereafter
If more than 200 in a month, all transactions are $.06 ea.
Minimum deposit to earn interest
$2,500 $2,500 $2,500
Minimum daily balance
$1,000 $1,000 $0
Monthly usage fee
$0 if min. daily balance
maintained, otherwise $10/mo.
$0 if min. daily balance maintained, otherwise $10/mo. $0


Competitive rates & terms.

Earn more on your deposits when you maintain higher balances.

Business Checking
TypeMinimum BalanceDividend RateAPY1
Tier 1$2,5000.050.05
Tier 2$25,0000.200.20
Tier 3$50,0000.300.30

Finding a way for your business to save.

Grow your money while having local access to funds when needed.

Business Savings Accounts

All it takes to supplement your Business Checking Account with a Business Savings Account is a $5 deposit. Earn dividends on balances of $100 or more.

  • No monthly fees or minimum balance charges

  • Enjoy access to your money whenever you want

  • Dividends compounded quarterly based on average daily balance

View Rates
  business owner lady outside

Business Certificates

Whether you are looking to grow your funds or seeking a secure place to keep your profits, business certificates of deposit are the perfect choice for those looking for a greater dividend return. Decide how you want to save based on term, rate and opening deposit.

  • Get started with as little as $1000

  • Choose a savings term from 3 to 60 months

View Rates
business owner outside floral shop

Business Money Market 

You’ve worked hard to accumulate your profits. Now use our Money Market accounts to earn higher & guaranteed rates of return while maintaining convenient access to your money when your business need it. Choose from one of three options:

  • Affordable Money Market

  • Ultimate Money Market

  • Members Choice Money Market

View Rates
man on laptop
Community First Business Money Market Accounts


Money Market

Money Market

Members Choice
Money Market

Higher rate of return-
low minimum balance requirement.
Premium rate of return-
higher balance requirement.
High-yield tiered
account + higher returns w/ checking.
Minimum balance amount to earn interest*
Set up fees
Multiple rate tiers*
Earn higher yields with checking*
Unlimited in-person and electronic transactions
Monthly fees*
$0 if min. balance maintained, otherwise $15.
$0 if min. balance maintained, otherwise $15.
$0 if min. balance maintained, otherwise $25.
* See rate & balance requirements chart for current rates and complete details.

Benefit from being a business member today.

Keeping your business moving forward.

Taking the time to listen is always our first step in building a relationship with business members. And with service, support, and decisioning under one roof in your backyard, you’ll benefit from faster turnaround times and better decisions.


Creative lending to meet your business objectives.

Our team can finance just about anything your business needs to grow with competitive rates that fit your bottom line.

Commercial Real Estate Loans

Commercial real estate loans

Lines and letters of credit

Lines of credit 

commercial vehicle loans

Business vehicle loans

rental real estate

Residential rental real estate loans

business equipment loans

Equipment loans

SBA loans.

SBA loans

Small businesses are a big deal around here.

We recognize your business's importance to our community’s economic health and are proud to have been the first credit union in Wisconsin to receive these statuses from the Small Business Administration (SBA):

  • SBA Preferred Lender

  • SBA Certified Lender

  • SBA Express Lender

business owner smiling


CFCU Business Credit Card

A card that rewards your business.

A Community First Visa® Business Rewards Credit Card lets you keep your business going by paying for every day expenses while earning points – not fees.

no fees

No balance transfer or annual fees

low APR

Be rewarded with a low APR2 when your checking is with us – as low as 10.99%

online management

Easy online account management

Mobile wallet convenience

Mobile wallet convenience

earn points

Earn 1 point for every dollar spent1

low APR

Redeem points for your choice of cashtravel or merchandise

local assistance

Local assistance by phone or at a branch

25-day grace period

25-day grace period


Turn your points into cash.

Get your cash rewards as credit to your card or a deposit into any Community First account. 
To redeem your points for cash, call us at 920-830-7200 or visit a branch to complete a redemption form.


Cash Rewards Point Values
Cash Reward $25 $50 $100 $150 $250 $300 $400
Points Earned 5,000 10,000 15,000 20,000 25,000 30,000 40,000

Knowledge is power.

Use our helpful calculators as a resource for making borrowing decisions.


This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that Community First Credit Union assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

Benefit from being a business member today.

1Excludes cash advances and balance transfers. Points expire after 3 years.
2APR= Annual Percentage Rate. Credit qualifications and membership required. Lowest rate requires active business checking account relationship with Community First Credit Union. An active business checking account is defined as having four (4) or more transactions in a calendar month. For complete terms, please see the Business Credit Card Disclosure for complete product details.

Help for taking care of business.

When you have your business accounts with us, you have access to all the in-person and online convenience services you need to turn ‘minding your own business’ into peace-of-mind for you and your business.



Easy account access wherever your business needs to go.

We offer tools that make managing your cash flow fast, secure and hassle-free.

(ACH) transactions

Originate Automated Clearing House (ACH) transactions

Set password

Set password and account access levels for different users


Link all your business banking accounts

electronic benefits

Send vendor payments and wire transfers electronically

download statements

Download statements into Quicken, QuickBooks and MS Money

Review and verify transactions

Review and verify transactions

Remote Deposit Capture

Time is money and we can help you save both. Make secure check deposits directly into your account anytime from your computer or smartphone with Remote Deposit Capture. Just scan, verify and deposit.

  • Get faster access to your funds

  • Set employee access levels

  • Sync with your accounting software

Get More Information
remote deposit capture

However your customers pay, we’ll find a way.

We offer solutions that will help you manage your cash or credit card sales.


 Cash & Coin Services   •   Night Deposit  •   Merchant Services


Payroll and other employee related services.

Your employees are one of your most valuable business assets. We provide solutions to make their life – and your life – easier and better.

pay day on calendar

Benefit from being a business member today.

SBA Relief Resources

At a time when your small business needs help to overcome the challenges of this crisis for your employees and your future, we are here with the resources and expertise you need. Let our experience as a SBA Preferred Lender help you navigate the relief fund process.

Keep your business running with the Paycheck Protection Program (PPP).

There is still time for your business to apply for a SBA PPP loan, providing supplemental cash for payroll and operating expenses. The loan requires that a minimum of 60% be used for payroll, and allows 40% to be applied toward these business expenses: mortgage interest, rent or lease expenses or utility payments. 

Estimate your loan benefit using this calculation sheet (Excel).

Prepare for your application by reviewing the Eligibility Guide and Loan Terms below to ensure your application and supporting documentation are as complete as possible to avoid delays.  


Eligible businesses:

  • Have less than 500 employees
  • ​Were in operation as of 2/15/2020

Is structured as a Corporation, LLC, Sole Proprietorship, Non-Profit or Church.   

Application Deadline:

  • August 8, 2020 (or when funds allocation is exhausted.)
Eligible Uses of Funds:
A minimum of 60% of the loan amount must be used for payroll after allocating a minimum of 60% of the loan to payroll, up to 40% of the loan amount can be used for:
  • Business Mortgage Interest Payments
  • Business Rent or Lease Payments
  • Business Utility Payments
Maximum Loan Amount:
  • 2.5X Average Monthly Payroll
  • Compensation in excess of $100,000 for individual employees not eligible
Loan Term:
  • 5 Years
Interest Rate:
  • 1.0% APR
  • None
Deferred Payments:
Loan payments are deferred for 10 months. At the end of the 10 month period after closing the loan, if the borrower has not applied for debt forgiveness, principal and interest payments will be due and payable the following month. If debt forgiveness is applied for in the 10 month period, payments will continue to be deferred until debt forgiveness has been reviewed and approved by the SBA.   
Debt Forgiveness:             
Loan principal and interest may be forgiven:
  • If at the time you apply for debt forgiveness your payroll has declined from its February 15th level, debt forgiveness may be reduced proportionally  
  • Loan proceeds not used for payroll may not exceed 40% of the loan and must still be used for approved purposes to be eligible for debt forgiveness 
  • If after applying for debt forgiveness a balance remains on the loan, the remainder would be repayable as a loan over the remaining term of the loan

Prepare Your Application & Documentation

Ready to submit your application? 

Download the SBA Paycheck Protection Program Application and gather required documentation. 
To avoid delays, all applications must be complete prior to submission, including signatures and initials to questions 5 & 6. Missing or incorrect information could hinder your ability to receive funds.


Gather Required Documentation

  • Payroll Tax Reports - Federal Forms 940 or 941 filed with the IRS for 2019 and 2020 Q1 (if applicable). State income and unemployment tax filing reports. [ OR ] Payroll Reports - For each pay period in the 12 months preceding the origination of the SBA Loan. Reports should include gross wages including PTO (vacation, sick and other PTO).

  • Sole Proprietors and Independent Contractors: 2019 Business Tax Return or Schedule C from your 2019 personal tax return. If your taxes are not yet complete, please complete this form. Also, proof of business on or around February 15, 2020 (check stubs, utility bills, QuickBook reports).

Optional Documentation

  • Health Insurance Premium Documentation - Monthly invoices reflecting premiums paid by the company under a group health plan, including owners, for the 12 months preceding the SBA Loan origination.

  • Retirement Plan Funding Documentation - Copies of workpapers, schedules and remittances to the retirement plan administrator showing employer funding for the 12 months preceding the SBA Loan origination.

Submit Your Documentation

Deliver your completed application and supporting documentation to us: 

Requesting PPP Loan Forgiveness

Up to 100% of loan proceeds used for payroll and up to 40% of loan proceeds used for qualified business expenses may be forgiven.  The SBA is making final determinations and has not yet begun accepting applications for PPP Loan Forgiveness. 


Debt Forgiveness

Loan principal and interest may be forgiven:

  • If at the time you apply for debt forgiveness your payroll has declined from its February 15th level, debt forgiveness may be reduced proportionally  

  • Loan proceeds not used for payroll may not exceed 40% of the loan and must still be used for approved purposes to be eligible for debt forgiveness 

  • If after applying for debt forgiveness a balance remains on the loan, the remainder would be repayable as a loan over the remaining term of the loan.



Contact us at (920) 830-7200 for assistance or questions. Together, we’ll find a way!

Do you have more questions about business banking?