Savings & Money Markets

Explore all the ways your money can grow.

Man and woman looking at phone on couch.

Savings
Money Markets

The first step to reaching your goals.

Your savings needs shift over your lifetime, but a savings account with no monthly fees is always a smart, secure and straightforward way to set aside rainy day funds and save for big purchases.

Ready to Get Started?

We make saving easier for you.

Use these tips and tools to help stay in control of your money and on-track with your goals.

Manage your money anytime, anywhere.

Have money automatically set aside every paycheck.

Plan out your savings with easy-to-use tools.

Choose the account that fits your goal.

Whatever your reason for saving, you can be confident your money is earning the best possible return.

Membership Savings

Your $5 minimum deposit gets you started as a member-owner, giving you access to all of our products and benefits. Think of it as your lifetime membership stake in our credit union.

Earn dividends on balances of $100+
Dividends compounded quarterly based on average daily balance

View Rates

Youth Savings

Help young savers learn the rewards that come from saving for the future.

Earn dividends on balances of $25+
$5 minimum deposit
Dividends compounded quarterly based on average daily balance
Give child full or limited access to funds

View Rates

Holiday Club Savings

Tuck away money each month to be ready for seasonal shopping.

Balance transferred to the account of your choice on October 1 each year
Dividends are paid annually based on your average daily balance between Oct. 1 and Sept. 30
Early withdrawals subject to $10 fee

View Rates

Additional Savings Accounts

Add one or more Regular Savings accounts to help keep money for savings goals separated from everyday funds and make tracking progress easier.

Earn dividends on balances of $100+
Dividends compounded quarterly based on average daily balance
$5 minimum deposit to get started

Saving for something special?

Use Digital Banking or ask us to help you take advantage of these tips to help you save smarter.

Nickname each account to remind you of your goal (down payment, vacation, school, etc.)

Set up automatic transfers for every payday to make steady progress towards your savings goal.

Ready to Get Started?

Rates & terms to earn dividends

Savings
Type	Minimum Balance	Dividend Rate	APY¹
Membership & Regular Savings	$100	1.00	1.00
Youth Savings	$25	1.00	1.00
Holiday Club	$25	1.00	1.00

5 Tips to Jump-Start Your Savings Plan

Unplanned expenses or emergencies are other common life events. Here are five tips we suggest to jump-start your savings.

Five Steps to Prepare for a Big Purchase

When considering a significant purchase, the destination is within reach when you steer through the following five financial steps.

Financial Literacy for Kids

Here are some great ways to teach your kids about money.

Your funds are insured.

Have peace-of-mind knowing your deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA).

Wondering how much you should save?

Our calculators can help you understand how your money will grow and how long it will take to reach your goal.

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.

Ready to open an account?

Already a Member? already a member or become a member

Become a Member

Money Markets

Keep your money growing and protected.

You’ve worked hard to accumulate your savings. Now use our Money Market accounts to earn higher rates & guaranteed returns while maintaining convenient access to your money when you need it.

Ready to Get Started?

Managing your money made easy.

Use these convenient resources to help keep track of your funds and stay on track with your goals.

Access your account anytime, anywhere.

Have money automatically deposited or transferred.

Pair with checking for higher returns.

Compare your account options.

We offer three Money Market Account options to meet the savings goals of all members.

Community First Money Market Accounts
	Affordable Money Market	Ultimate Money Market	Member's Choice Money Market
Overview	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*	$7,500	$15,000	$75,000
Set up fees	$0	$0	$0
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.

Ready to Get Started?

Rates & terms to earn dividends.

Member's Choice Money Market
Type	Minimum Balance	Dividend Rate	APY¹
With Active Checking* ²	$2,000,000	4.22	4.30
With Active Checking* ²	$750,000	4.17	4.25
With Active Checking* ²	$500,000	3.93	4.00
With Active Checking* ²	$300,000	3.69	3.75
With Active Checking* ²	$150,000	3.20	3.25
With Active Checking* ²	$75,000	2.23	2.25
Without Checking ²	$150,000	1.34	1.35
Without Checking ²	$75,000	1.19	1.20

Ultimate Money Market
Type	Minimum Balance	Dividend Rate	APY¹
Ultimate Money Market ²	$15,000	1.24	1.25

Affordable Money Market
Type	Minimum Balance	Dividend Rate	APY¹
Affordable Money Market ²	$7,500	1.09	1.10

Your funds are insured.

Have peace-of-mind knowing your deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA).

How far will your money take you?

Our calculators can help you understand how your money will grow and how far it can stretch.

The Impact of Saving More

Save to be a Millionaire

More Calculators Here

Savings & Money Markets

Explore all the ways your money can grow.

The first step to reaching your goals.

Your savings needs shift over your lifetime, but a savings account with no monthly fees is always a smart, secure and straightforward way to set aside rainy day funds and save for big purchases.

We make saving easier for you.

Use these tips and tools to help stay in control of your money and on-track with your goals.

Manage your money anytime, anywhere.

Have money automatically set aside every paycheck.

Plan out your savings with easy-to-use tools.

Choose the account that fits your goal.

Whatever your reason for saving, you can be confident your money is earning the best possible return.

Membership Savings

Your $5 minimum deposit gets you started as a member-owner, giving you access to all of our products and benefits. Think of it as your lifetime membership stake in our credit union.

Earn dividends on balances of $100+

Dividends compounded quarterly based on average daily balance

Youth Savings

Help young savers learn the rewards that come from saving for the future.

Earn dividends on balances of $25+

​$5 minimum deposit

​Dividends compounded quarterly based on average daily balance

Give child full or limited access to funds

Holiday Club Savings

Tuck away money each month to be ready for seasonal shopping.

Balance transferred to the account of your choice on October 1 each year

​Dividends are paid annually based on your average daily balance between Oct. 1 and Sept. 30

​Early withdrawals subject to $10 fee

Additional Savings Accounts

Add one or more Regular Savings accounts to help keep money for savings goals separated from everyday funds and make tracking progress easier.

Earn dividends on balances of $100+

Dividends compounded quarterly based on average daily balance

​$5 minimum deposit to get started

Nickname each account to remind you of your goal (down payment, vacation, school, etc.)

Set up automatic transfers for every payday to make steady progress towards your savings goal.

Rates & terms to earn dividends

5 Tips to Jump-Start Your Savings Plan

Five Steps to Prepare for a Big Purchase

Financial Literacy for Kids

Your funds are insured.

Have peace-of-mind knowing your deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA).

Wondering how much you should save?

Our calculators can help you understand how your money will grow and how long it will take to reach your goal.

Save for a Rainy Day

The Benefits of Compounding

Ready to open an account?

Keep your money growing and protected.

You’ve worked hard to accumulate your savings. Now use our Money Market accounts to earn higher rates & guaranteed returns while maintaining convenient access to your money when you need it.

Access your account anytime, anywhere.

Have money automatically deposited or transferred.

Pair with checking for higher returns.

Affordable Money Market

Ultimate Money Market

Member's Choice Money Market

Overview

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*

$7,500

$15,000

$75,000

Set up fees

$0

$0

$0

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.

Rates & terms to earn dividends.

Your funds are insured.

Have peace-of-mind knowing your deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA).

The Impact of Saving More

Save to be a Millionaire

Do you have more questions about savings accounts?

Free Checking

No fees. No minimum balance required.

$5 minimum deposit

Dividends compounded quarterly based on average daily balance

Dividends are paid annually based on your average daily balance between Oct. 1 and Sept. 30

Early withdrawals subject to $10 fee

$5 minimum deposit to get started

Affordable
Money Market

Ultimate
Money Market

Member's 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.