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Savings
TypeMinimum BalanceDividend RateAPY1
Membership & Regular Savings$1000.250.25
Youth Savings $250.250.25
Holiday Club$250.250.25
Health Savings AccountNone1.051.06
Effective August 04, 2020
1 APY= Annual Percentage Yield. Rates may change after account opening and fees may reduce earnings.
​More information on Savings
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IRA Money Market Accounts (Traditional, Roth or Coverdell Education Savings Account)
TypeMinimum BalanceDividend RateAPY1
Member's Choice IRA Money Market (with active checking)$150,0001.091.10
Member's Choice IRA Money Market (with active checking) 2$75,0000.850.85
Member's Choice IRA Money Market (without checking)$150,0000.650.65
Member's Choice IRA Money Market (without checking) 2$75,0000.450.45
Ultimate IRA Money Market 3$15,0000.600.60
Affordable IRA Money Market 4$7,5000.400.40
Effective August 04, 2020
1 APY=Annual Percentage Yield
2 Balances falling below $75,000 earn a rate and APY of 0.25%, and incur a $25 monthly service charge.
3 Balances falling below $15,000 earn a rate and APY of 0.25%, and incur a $15 monthly service charge.
4 Balances falling below $7,500 earn a rate and APY of 0.25%, and incur a $15 monthly service charge.
More information on IRA Money Markets
Member's Choice Money Market
TypeMinimum BalanceDividend RateAPY1
With Active Checking 2$150,0001.091.10
With Active Checking 2$75,0000.850.85
Without Checking 2$150,0000.650.65
Without Checking 2$75,0000.450.45
Effective August 04, 2020
1 APY= Annual Percentage Yield
2 Balances falling below $75,000 earn a rate and APY of 0.25%, and incur a $25 monthly service charge.
More information on Money Markets
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Ultimate Money Market
TypeMinimum BalanceDividend RateAPY1
Ultimate Money Market 2$15,0000.600.60
Effective August 04, 2020
1 APY= Annual Percentage Yield
2 Balances falling below $15,000 earn a rate and APY of 0.25%, and incur a $15 monthly service charge.
More information on Money Markets
Affordable Money Market
TypeMinimum BalanceDividend RateAPY1
Affordable Money Market 2$7,5000.400.40
Effective August 04, 2020
1 APY= Annual Percentage Yield
2 Balances falling below $7,500 earn a rate and APY of 0.25%, and incur a $15 monthly service charge.
More information on Money Markets
Certificates
TypeMinimum BalanceDividend RateAPY1
3 Month$2,5000.500.50
6 Month$2,5000.950.95
1 Year$1,0001.241.25
18 Month$1,0001.291.30
2 Year$1,0001.541.55
3 Year$1,0001.741.75
5 Year$1,0001.931.95
Effective August 04, 2020
1 APY= Annual Percentage Yield

Penalty for early withdrawal on Certificates.

More information on Certificates
IRA Certificates
TypeMinimum BalanceDividend RateAPY1
1 Year $1,0001.241.25
18 Month$1,0001.291.30
2 Year$1,0001.541.55
3 Year$1,0001.741.75
5 Year$1,0001.941.95
Effective August 04, 2020
1 APY= Annual Percentage Yield   

Penalty for early withdrawal on IRA Certificates. 

More information on Certificates
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IRA Accounts
TypeMinimum BalanceDividend RateAPY1
Accumulator IRA (Traditional & Roth Only)None0.350.35
Coverdell Education Savings Account None0.350.35
Effective August 04, 2020
1 APY= Annual Percentage Yield. Rates may change after account opening and fees may reduce earnings. 
More information on IRA accounts
Checking Accounts
TypeMinimum BalanceDividend RateAPY1
Member's Choice CheckingAll Balances 20.250.25
Direct Benefit & Regular Checking$5,000+0.150.15
Direct Benefit & Regular Checking$500 - $4,999.990.050.05
Free Checking $00.000.00
Effective August 04, 2020
1 APY= Annual Percentage Yield
2 Minimum combined loan and/or deposit balance required to open and maintain account. Earn interest on all balances when you maintain $15,000 or more in total deposits (not including required deposit accounts and escrow), $25,000 or more in total household loan balances (includes outstanding balances on consumer loans, home equity loans and lines and Kwik Cash loans) OR $30,000 or more in total household deposit and loan balances as described.
Rates may change after account opening and fees may reduce earnings.
More information on Checking accounts
Business Checking
TypeMinimum BalanceDividend RateAPY1
Tier 1$2,5000.050.05
Tier 2$25,0000.200.20
Tier 3$50,0000.300.30
Effective August 04, 2020
1 APY= Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.
More information on Business Banking
Auto and Motorcycle – 2019 & newer
TermAPR1 (as low as)Monthly Payment2
48 months2.74$22.02
60 months 2.74$17.85
66 months2.74$16.34
72 months 2.74$15.08
84 months 33.74$13.55
Effective August 04, 2020
1 APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. All loans subject to credit approval. Rates subject to change without notice.
2 Monthly payment is based on payment per $1,000 for term and rate shown above.
3 Not available for motorcycle financing. $30,000 minimum loan amount required.
More information on Auto & Motorcycles
Auto and Motorcycle – 2014 to 2018
TermAPR1 (as low as)Monthly Payment2
36 months2.74$31.13
48 months 32.74$22.02
60 months 42.74$17.85
66 months 42.74$16.34
72 months 52.74$15.08
Effective August 04, 2020
1 APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. All loans subject to credit approval. Rates subject to change without notice.
2 Monthly payment is based on payment per $1,000 for term and rate shown above.
3 Maximum term for 2014 model year. 
4 Available for 2015 & newer model years only.
5 Available for 2016 & newer model years only
More information on Auto & Motorcycles
Auto and Motorcycle – 2011 to 2013
TermAPR1 (as low as)Monthly Payment2
24 months3.75$43.31
36 months3.75$29.41
48 months3.75$22.47
Effective August 04, 2020
1 APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. All loans subject to credit approval. Rates subject to change without notice. Terms up to 48 months valid on autos only.
2 Monthly payment is based on payment per $1,000 for term and rate shown above.
 
More information on Auto & Motorcycles
Boats and RVs – 2014 & newer
TermAPR1 (as low as)Monthly Payment2
36 months2.74$28.97
48 months 32.74$22.02
60 months 42.74$17.85
66 months 42.74$16.34
72 months 52.74$15.08
72 months - up to 120 mo. amortization 5,62.74$9.54
72 months - up to 180 mo. amortization 5,62.74$6.78
Effective August 04, 2020
1 APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. All loans subject to credit approval. Rates subject to change without notice.
2 Monthly payment is based on payment per $1,000 for term and rate shown above.
3 Maximum term for 2014 model year
4 Available for 2015 & newer model years only.
5 Available for 2016 & newer model years only.
6 Monthly payment on $20,000.00, 120-month amortization results in 71 payments of $190.75 and a final payment of $8,831.45. Monthly payment on $25,000.00, 180-month amortization results in 71 payments of $169.56 and a final payment of $16,380.27.
More information on Boats & RVs
Boats and RVs – 2011 to 2013
TermAPR1 (as low as)Monthly Payment2
24 months3.75$43.31
36 months 3.75$29.41
48 months3.75$22.47
Effective August 04, 2020
1 APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. All loans subject to credit approval. Rates subject to change without notice.
2 Monthly payment is based on payment per $1,000 for term and rate shown above.
More information on Boats & RVs
Powersports – 2014 & newer
TermAPR1 (as low as)Monthly Payment2
24 months 2.74$42.87
36 months 2.74$28.97
48 months 2.74$22.02
60 months 32.74$17.85
Effective August 04, 2020
1 APR = Annual Percentage Rate.  All loans subject to credit approval. Rates subject to change without notice.
2 Monthly payment is based on payment per $1,000 for term and rate shown above.
3 Available for 2015 & newer model years only.
 
More information on Powersports
Powersports – 2011 to 2013
TermAPR1 (as low as)Monthly Payment2
24 months 3.75$43.31
36 months 3.75$29.41
48 months3.75$22.47
Effective August 04, 2020
1 APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
2 Monthly payment is based on payment per $1,000 for term and rate shown above.
More information on Powersports
Homeowners Xpress Personal Loan
TermAPR1 (as low as)Monthly Payment2
Up to 84 months7.49$15.33
Effective August 04, 2020
1 APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. For best rate, you must have checking, auto pay, direct deposit, and first mortgage with Community First Credit Union.
2 Monthly payment is based on payment per $1,000 for term and rate shown above. Maximum loan amount of $30,000.
More information on Homeowners Xpress
Personal Signature Loan
TypeTermAPR1 (as low as)Monthly Payment2
UnsecuredUp to 36 months9.74$32.15
Effective August 04, 2020
1 APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
2 Monthly payment is based on payment per $1,000 for term and rate shown above.
More information on Signature Loan
Kwik Cash Line of Credit
APR1 (as low as)Monthly Payment2
13.90$40.00
Effective August 04, 2020
1 APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice. For best rate, you must have checking, auto pay, direct deposit, and first mortgage with Community First Credit Union.
2 Monthly payment is based on payment per $1,000 for term and rate shown above. Payment is 4% of the outstanding balance.
 
More information on Kwik Cash Line of Credit 
Great Rate Platinum Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®8.99
Effective August 04, 2020
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.
 
More information on Great Rate Credit Card



 
Great Rewards Platinum Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®10.99
Effective August 04, 2020
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.
 
More information on Great Rewards Credit Card



 
Student Starter Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®9.99
Effective August 04, 2020
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.
 
More information on Student Starter Credit Card



 
Secured Credit Card
TypeAPR1 (as low as)
Visa®15.99
Effective August 04, 2020
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.
 
More information on Secured Credit Card



 
Home Equity Loan
TypeTermAPR1 (as low as)Monthly Payment2
Home Equity Loan6 years2.50$3.95
Effective August 04, 2020
1 APR=Annual Percentage Rate. Your account relationship,  credit score and a maximum loan-to-value (LTV) of 80% or less on single-family owner-occupied residence only determines your rate. Does not apply to purchase, construction, investment, commercial, land or multi-family properties. Certain restrictions apply. Rates subject to change.
2 Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment for $100,000 with 30 year amortization results in 71 payments of $395.12 and a final payment of $85,901.70. Payment example does not include taxes and insurance. 
More information on Home Equity Loan



 
Home Equity Line of Credit
TypeTermAPR1 (as low as)Monthly Payment2
Line of Credit 3up to 10 year draw period4.00$15.00
Effective August 04, 2020
1 APR = Annual Percentage Rate. Your account relationship, credit score and a loan to value (LTV) of 80% or less determine your rate. Rates subject to change. Variable rate tied to Wall Street Prime Rate.
2 Monthly payment is based on payment per $1,000 for term and rate shown above. Minimum monthly payment required is 1.5% of balance.
3 Minimum line amount $10,000.
More information on Home Equity Loan



 
First Mortgage Balloon
TermAPR1 (as low as)Monthly Payment2
6 years (up to 30 year amortization)2.50$3.95
Effective August 04, 2020
1 APR=Annual Percentage Rate. Your account relationship,  credit score and a maximum loan-to-value (LTV) of 80% or less on single-family owner-occupied residence only determines your rate. Does not apply to purchase, construction, investment, commercial, land or multi-family properties. Certain restrictions apply. Rates subject to change.
2 Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment for $100,000 with 30 year amortization results in 71 payments of $395.12 and a final payment of $85,901.70. Payment example does not include taxes and insurance. 
More information on Home Equity Loan
 



 
10 Year Lock It Loan
TermAPR1 (as low as)Monthly Payment2
10 years (up to 30 year amortization) 3.25$4.35
Effective August 04, 2020
1 APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history and credit score and a loan to value (LTV) of 80% or less. Rates subject to change without notice.
2 Monthly payment is based on payment per $1,000 for term and rate shown above. 10 Year Lock It Loan monthly payment example on $100,000.00, 30-year amortization results in 119 payments of $435.19 and a final payment of $77,152.50
Payments do not include taxes and insurance. Does not apply to purchase, construction, investment, commercial, land or multi-family properties. All loans subject to credit approval.
 



 
10 & Done Home Loan
TermAPR1 (as low as)Monthly Payment2
10 years2.75$9.54
Effective August 04, 2020

1APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history and credit score and a loan to value (LTV) of 80% or less. Rates subject to change without notice.
2Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 10-year amortization results in 119 payments of $954.07 and a final payment of $953.20. Payments do not include taxes and insurance.
Payments do not include taxes and insurance. Does not apply to purchase, construction, investment, commercial, land or multi-family properties. All loans subject to credit approval.
 




 

We offer other traditional Fixed or Adjustable Rate First Mortgage rate and term options.


 
Checking Account Fees
Overdraft Fee $25 per occurrence (Maximum 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, within 30 days of account opening $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
Inactive Account Fee $2 per month
Effective August 04, 2020
ATM Card & VISA® Check Card Fees
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.
Effective August 04, 2020
Miscellaneous Fees
Domestic Outgoing Wire Transfer $20
Domestic Incoming Wire Transfer $10
International Wire Transfer $100
Money Order Fee $1
Commercial Money Order Fee $40
Foreign Check Collection Fee $50
Cashiers Check Fee $1
Effective August 04, 2020
Pop Money
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
Effective August 04, 2020