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ROUTING# 275982801
  • Deposit Rates
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Deposit Rates arrow
Savings
TypeMinimum BalanceDividend RateAPY1
Membership & Regular Savings$1000.800.80
Youth Savings $250.800.80
Holiday Club$250.800.80
Health Savings AccountNone0.800.80
Effective March 21, 2023
1 APY= Annual Percentage Yield. 
​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*) 2$750,0003.934.00
Member's Choice IRA Money Market (with active checking*) 2$150,0002.963.00
Member's Choice IRA Money Market (with active checking*) 2$75,0001.982.00
Member's Choice IRA Money Market (without checking) 2$150,0001.091.10
Member's Choice IRA Money Market (without checking) 2$75,0000.900.90
Ultimate IRA Money Market 3$15,0001.001.00
Affordable IRA Money Market 4$7,5000.850.85
Effective March 21, 2023
1 APY=Annual Percentage Yield
2 Balances falling below $75,000 earn a rate and APY of 0.80%, and incur a $25 monthly service charge.
3 Balances falling below $15,000 earn a rate and APY of 0.80%, and incur a $15 monthly service charge.
4 Balances falling below $7,500 earn a rate and APY of 0.80%, and incur a $15 monthly service charge.
*Active checking defined as 4 or more transactions per month.
More information on IRA Money Markets
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Member's Choice Money Market
TypeMinimum BalanceDividend RateAPY1
With Active Checking* 2$750,0003.934.00
With Active Checking* 2$150,0002.963.00
With Active Checking* 2$75,0001.982.00
Without Checking 2$150,0001.091.10
Without Checking 2$75,0000.900.90
Effective March 21, 2023
1 APY= Annual Percentage Yield
2 Balances falling below $75,000 earn a rate and APY of 0.80%, and incur a $25 monthly service charge.
*Active checking defined as 4 or more transactions per month.
More information on Money Markets
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Ultimate Money Market
TypeMinimum BalanceDividend RateAPY1
Ultimate Money Market 2$15,0001.001.00
Effective March 21, 2023
1 APY= Annual Percentage Yield
2 Balances falling below $15,000 earn a rate and APY of 0.80%, and incur a $15 monthly service charge.
More information on Money Markets
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Affordable Money Market
TypeMinimum BalanceDividend RateAPY1
Affordable Money Market 2$7,5000.850.85
Effective March 21, 2023
1 APY= Annual Percentage Yield
2 Balances falling below $7,500 earn a rate and APY of 0.80%, and incur a $15 monthly service charge.
More information on Money Markets
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Certificates
TypeMinimum BalanceDividend RateAPY1
CD Special: 15 Month$5,0004.464.55
CD Special: 7 Month$5,0004.224.30
3 Month$2,5002.472.50
6 Month$2,5002.722.75
1 Year$1,0003.203.25
18 Month$1,0003.453.50
2 Year$1,0003.453.50
3 Year$1,0003.693.75
5 Year$1,0003.934.00
Effective March 21, 2023
1 APY= Annual Percentage Yield

Penalty for early withdrawal on Certificates.
 

More information on Certificates
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IRA Certificates
TypeMinimum BalanceDividend RateAPY1
IRA CD Special: 15 Month$5,0004.474.55
IRA CD Special: 7 Month$5,0004.234.30
1 Year $1,0003.213.25
18 Month$1,0003.453.50
2 Year$1,0003.453.50
3 Year$1,0003.703.75
5 Year$1,0003.944.00
Effective March 21, 2023
1 APY= Annual Percentage Yield

Penalty for early withdrawal on Certificates.

 

More information on Certificates
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IRA Accounts
TypeMinimum BalanceDividend RateAPY1
Accumulator IRANone0.800.80
Effective March 21, 2023
1 APY= Annual Percentage Yield. 
More information on IRA accounts
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Checking Accounts
TypeMinimum BalanceDividend RateAPY1
Member's Choice CheckingAll Balances 20.350.35
Direct Benefit & Regular Checking$5,000+0.250.25
Direct Benefit & Regular Checking$500 - $4,999.990.150.15
Free Checking $00.000.00
Effective March 21, 2023
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 share 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
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Business Checking
TypeMinimum BalanceDividend RateAPY1
Tier 1$2,5000.100.10
Tier 2$25,0000.200.20
Tier 3$50,0000.300.30
Effective March 21, 2023
1 APY= Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.
More information on Business Banking
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Loan Rates arrow
Auto and Motorcycle – 2022 & newer
TermAPR1 (as low as)Monthly Payment2
48 months5.240$23.14
60 months 5.240$18.98
66 months5.240$17.47
72 months 5.240$16.22
84 months 36.240$14.72
Effective March 21, 2023
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.
Apply Now
More information on Auto & Motorcycles
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Auto and Motorcycle – 2017 to 2021
TermAPR1 (as low as)Monthly Payment2
36 months5.240$30.08
48 months 35.240$23.14
60 months 45.240$18.98
66 months 45.240$17.47
72 months 55.240$16.22
Effective March 21, 2023
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 2017 model year. 
4 Available for 2018 & newer model years only.
5 Available for 2019 & newer model years only
Apply Now
More information on Auto & Motorcycles
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Auto and Motorcycle – 2014 to 2016
TermAPR1 (as low as)Monthly Payment2
24 months6.240$44.43
36 months6.240$30.53
48 months6.240$23.60
Effective March 21, 2023
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.

 
Apply Now
More information on Auto & Motorcycles
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Boats and RVs – 2017 & newer
TermAPR1 (as low as)Monthly Payment2
36 months5.240$30.08
48 months 35.240$23.14
60 months 45.240$18.98
66 months 45.240$17.47
72 months 55.240$16.22
72 months - up to 120 mo. amortization 5,65.240$10.72
72 months - up to 180 mo. amortization 5,6,75.240$8.03
Effective March 21, 2023
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 2017 model year
4 Available for 2018 & newer model years only.
5 Available for 2019 & newer model years only.
6 Monthly payment on $20,000.00, 120-month amortization results in 71 payments of $214.48 and a final payment of $9,484.23. Monthly payment on $25,000.00, 180-month amortization results in 71 payments of $200.84 and a final payment of $17,464.75.
7 Available on loans of $20,001 and over.
Apply Now
More information on Boats & RVs
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Boats and RVs – 2014 to 2016
TermAPR1 (as low as)Monthly Payment2
24 months6.240$44.43
36 months 6.240$30.53
48 months6.240$23.60
Effective March 21, 2023
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.
Apply Now
More information on Boats & RVs
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Powersports – 2017 & newer
TermAPR1 (as low as)Monthly Payment2
24 months 5.240$43.98
36 months 5.240$30.08
48 months5.240$23.14
60 months 35.240$18.98
Effective March 21, 2023
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 2018 & newer model years only.

 
Apply Now
More information on Powersports
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Powersports – 2014 to 2016
TermAPR1 (as low as)Monthly Payment2
24 months 6.240$44.43
36 months 6.240$30.53
48 months6.240$23.60
Effective March 21, 2023
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.
Apply Now
More information on Powersports
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Homeowners Xpress Personal Loan
TermAPR1 (as low as)Monthly Payment2
Up to 84 months8.50$15.84
Effective March 21, 2023
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.
Apply Now
More information on Homeowners Xpress
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Personal Signature Loan
TypeTermAPR1 (as low as)Monthly Payment2
UnsecuredUp to 36 months9.74$32.15
Effective March 21, 2023
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.
Apply Now
More information on Signature Loan
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Kwik Cash Line of Credit
APR1 (as low as)Monthly Payment2
13.90$40.00
Effective March 21, 2023
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.

 
Apply Now
More information on Kwik Cash Line of Credit 
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Credit Card Rates arrow
Great Rate Platinum Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®8.99
Effective March 21, 2023
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.

 
Apply Now
More information on Great Rate Credit Card



 
Great Rewards Platinum Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®10.99
Effective March 21, 2023
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.
 
Apply Now
More information on Great Rewards Credit Card



 
Student Starter Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®9.99
Effective March 21, 2023
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.
 
Apply Now
More information on Student Starter Credit Card



 
Secured Credit Card
TypeAPR1 (as low as)
Visa®15.99
Effective March 21, 2023
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.
 
Apply Now
More information on Secured Credit Card



 
Mortgage & Home Equity Rates arrow


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

See All Mortgage Rates
Home Equity Loan
TermNote Rate (as low as)APR1 (as low as)Monthly Payment2
6 years5.2505.372$5.52
Effective March 21, 2023
 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. APR includes $200 loan processing fee. New money minimum: $20,000 - First Mortgage only.
2 Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 30-year amortization results in 72 payments of $552.20 and a final payment of $90,869.42. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater.
Apply Now
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 period7.250$15.00
Effective March 21, 2023
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.
Apply Now
More information on Home Equity Loan



 
First Mortgage Balloon
Note Rate (as low as)TermAPR1 (as low as)Monthly Payment2
5.2506 years (up to 30 year amortization)5.372$5.52
Effective March 21, 2023
 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. APR includes $200 loan processing fee. New money minimum: $20,000 - First Mortgage only.
2 Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 30-year amortization results in 71 payments of $552.20 and a final payment of $90,869.42. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater. Real Estate/Home Equity payment examples do not include taxes, insurance or closing costs. Does not apply to purchase, construction, investment, commercial, land or multi family properties.
Apply Now
More information on First Mortgage Balloon



 
10 Year Lock It Loan
Note Rate (as low as)TermAPR1 (as low as)Monthly Payment2
5.87510 years (up to 30 year amortization) 5.950$5.92
Effective March 21, 2023
 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. APR includes $200 loan processing fee. New money minimum: $20,000 - First Mortgage only.
2 Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 30-year amortization results in 119 payments of $591.54 and a final payment of $83,996.17. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater. Real Estate/Home Equity payment examples do not include taxes, insurance or closing costs. Does not apply to purchase, construction, investment, commercial, land or multi family properties.
Apply Now
More information on the 10 Year Lock It Loan



 
10 & Done Home Loan
Note Rate (as low as)TermAPR1 (as low as)Monthly Payment2
5.75010 years5.794$10.98
Effective March 21, 2023
 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. APR includes $200 loan processing fee. New money minimum: $20,000 - First Mortgage only.
2 Monthly 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 $1,097.69 and a final payment of $1,097.69. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater. Real Estate/Home Equity payment examples do not include taxes, insurance or closing costs. Does not apply to purchase, construction, investment, commercial, land or multi family properties.
Apply Now

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


 
See All Mortgage Rates
Fees arrow
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 March 21, 2023
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 March 21, 2023
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 March 21, 2023
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 March 21, 2023
icon-envelope
Mailing Address:
P.O. Box 1487
Appleton, WI
54912-1487
icon-phone
Phone Number:
920.830.7200
icon-routing
Routing #:
275982801

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