Savings & Money Markets

Explore all the ways your money can grow.

Young lady saving money.Young lady saving money.

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.


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

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

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

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

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

 
Sub Savings Accounts.

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


Automatic Transfers.

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


Rates & terms to earn dividends

Savings
TypeMinimum BalanceDividend RateAPY1
Membership & Regular Savings$1000.250.25
Youth Savings $250.250.25
Holiday Club$250.250.25

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?

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.


Managing your money made easy.

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


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*
   
checkmark
Earn higher yields with checking*
   
checkmark
Unlimited in-person and electronic transactions
checkmark
checkmark
checkmark
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.

Member's Choice Money Market
TypeMinimum BalanceDividend RateAPY1
With Active Checking 2$150,0001.141.15
With Active Checking 2$75,0000.850.85
Without Checking 2$150,0000.650.65
Without Checking 2$75,0000.450.45
Ultimate Money Market
TypeMinimum BalanceDividend RateAPY1
Ultimate Money Market 2$15,0000.600.60
Affordable Money Market
TypeMinimum BalanceDividend RateAPY1
Affordable Money Market 2$7,5000.400.40

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.


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.

 

Do you have more questions about savings accounts?