Community First Credit Union Logo
LOGIN
ROUTING# 275982801
  • Rates
  • Locations
  • Contact Us
  • Join Us
Login Icon Digital Banking Login
  • CFCU & You
  • Everyday Banking
  • Borrowing
  • Invest & Insure
  • Business Banking
  • Join Us
    Join Us
  • CFCU & You
    CFCU & You
  • Everyday Banking
    Everyday Banking
  • Borrowing
    Borrowing
  • Invest & Insure
    Invest & Insure
  • Business Banking
    Business Banking
  • Contact Us
  • Rates
  • Calculators
  • Locations
  • Careers
  • Member Discounts
  • Net Giver
  • Employee Center
  • Financial Wellness
  • Privacy & Accessibility
  • Security Education
ROUTING# 275982801
  • Deposit Rates
  • Loan Rates
  • Credit Card Rates
  • Mortgage & Home Equity Rates
  • Fees
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 AccountNone1.001.00
Effective October 03, 2024
1 APY= Annual Percentage Yield. 
​More information on Savings
Return to the top

 
IRA Money Market Accounts (Traditional, Roth or Coverdell Education Savings Account)
TypeMinimum BalanceDividend RateAPY1
Member's Choice IRA Money Market (with active checking*) 2$2,000,0004.224.30
Member's Choice IRA Money Market (with active checking*) 2$750,0004.174.25
Member's Choice IRA Money Market (with active checking*) 2$500,0003.934.00
Member's Choice IRA Money Market (with active checking*) 2$300,0003.693.75
Member's Choice IRA Money Market (with active checking*) 2$150,0003.203.25
Member's Choice IRA Money Market (with active checking*) 2$75,0002.232.25
Member's Choice IRA Money Market (without checking) 2$150,0001.341.35
Member's Choice IRA Money Market (without checking) 2$75,0001.191.20
Ultimate IRA Money Market 3$15,0001.241.25
Affordable IRA Money Market 4$7,5001.091.10
Effective October 03, 2024
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
Return to the top


 
Member's Choice Money Market
TypeMinimum BalanceDividend RateAPY1
With Active Checking* 2$2,000,0004.224.30
With Active Checking* 2$750,0004.174.25
With Active Checking* 2$500,0003.934.00
With Active Checking* 2$300,0003.693.75
With Active Checking* 2$150,0003.203.25
With Active Checking* 2$75,0002.232.25
Without Checking 2$150,0001.341.35
Without Checking 2$75,0001.191.20
Effective October 03, 2024
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
Return to the top

 
Ultimate Money Market
TypeMinimum BalanceDividend RateAPY1
Ultimate Money Market 2$15,0001.241.25
Effective October 03, 2024
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
Return to the top


 
Affordable Money Market
TypeMinimum BalanceDividend RateAPY1
Affordable Money Market 2$7,5001.091.10
Effective October 03, 2024
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
Return to the top


 
Certificates
TypeMinimum BalanceDividend RateAPY1
CD Special: 7 Month$5,0004.654.75
CD Special: 14 Month$5,0004.174.25
3 Month$2,5002.963.00
6 Month$2,5003.203.25
1 Year$1,0003.984.05
18 Month$1,0003.984.05
2 Year$1,0003.984.05
3 Year$1,0004.074.15
5 Year$1,0004.224.30
Effective October 03, 2024
1 APY= Annual Percentage Yield

Penalty for early withdrawal on Certificates.
 

More information on Certificates
Return to the top


 
IRA Certificates
TypeMinimum BalanceDividend RateAPY1
IRA CD Special: 7 Month$5,0004.674.75
IRA CD Special: 14 Month$5,0004.184.25
1 Year $1,0003.994.05
18 Month$1,0003.994.05
2 Year$1,0003.994.05
3 Year$1,0004.094.15
5 Year$1,0004.234.30
Effective October 03, 2024
1 APY= Annual Percentage Yield

Penalty for early withdrawal on Certificates.

 

More information on Certificates
Return to the top


 
IRA Accounts
TypeMinimum BalanceDividend RateAPY1
Accumulator IRANone0.800.80
Effective October 03, 2024
1 APY= Annual Percentage Yield. 
More information on IRA accounts
Return to the top


 
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 October 03, 2024
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
Return to the top


 
Business Checking
TypeMinimum BalanceDividend RateAPY1
Tier 1$2,5000.200.20
Tier 2$25,0000.300.30
Tier 3$50,0000.400.40
Effective October 03, 2024
1 APY= Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.
More information on Business Banking
Return to the top
Loan Rates arrow
Auto and Motorcycle – 2023 & Newer
TermAPR1 (as low as)Monthly Payment2
36 months5.250$30.08
48 months5.250$23.14
60 months 5.250$18.99
72 months 5.500$16.34
84 months 36.500$14.85
Effective October 03, 2024
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
Return to the top

 
Auto and Motorcycle – 2018 to 2022
TermAPR1 (as low as)Monthly Payment2
36 months5.250$30.08
48 months 35.250$23.14
60 months 45.250$18.99
66 months 45.250$17.48
72 months 55.500$16.34
Effective October 03, 2024
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 2018 model year. 
4 Available for 2019 & newer model years only.
5 Available for 2020 & newer model years only
Apply Now
More information on Auto & Motorcycles
Return to the top

 
Auto and Motorcycle – 2015 to 2017
TermAPR1 (as low as)Monthly Payment2
24 months6.250$44.43
36 months6.250$30.54
48 months6.500$23.71
Effective October 03, 2024
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
Return to the top

 
Boats and RVs – 2018 & Newer
TermAPR1 (as low as)Monthly Payment2
36 months5.250$30.08
48 months 35.250$23.14
60 months 45.250$18.99
66 months 45.250$17.48
72 months 55.500$16.34
72 months - up to 120 mo. amortization 5,65.500$10.85
72 months - up to 180 mo. amortization 5,6,75.500$8.17
Effective October 03, 2024
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 2018 model year
4 Available for 2019 & newer model years only.
5 Available for 2020 & newer model years only.
6 Monthly payment on $20,000.00, 120-month amortization results in 71 payments of $217.05 and a final payment of $9,550.05. Monthly payment on $25,000.00, 180-month amortization results in 71 payments of $204.27 and a final payment of $17,574.25.
7 Available on loans of $20,001 and over.
Apply Now
More information on Boats & RVs
Return to the top

 
Boats and RVs – 2015 to 2017
TermAPR1 (as low as)Monthly Payment2
24 months6.250$44.43
36 months 6.250$30.54
48 months6.500$23.71
Effective October 03, 2024
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
Return to the top

 
Powersports – 2018 & Newer
TermAPR1 (as low as)Monthly Payment2
24 months 5.250$43.98
36 months 5.250$30.08
48 months5.250$23.14
60 months 35.250$18.99
Effective October 03, 2024
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 2019 & newer model years only.
Apply Now
More information on Powersports
Return to the top

 
Powersports – 2015 to 2017
TermAPR1 (as low as)Monthly Payment2
24 months 6.250$44.43
36 months 6.250$30.54
48 months6.500$23.71
Effective October 03, 2024
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
Return to the top

 
Homeowners Xpress Personal Loan
TermAPR1 (as low as)Monthly Payment2
Up to 120 months38.99$12.66
Effective October 03, 2024
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 $50,000.
3 Available terms vary by loan amount. Loans up to $10,000 have a maximum term of 60 months. Loans up to $20,000 have a maximum term of 72 months. Loans up to $30,000 have a maximum term of 84 months. Loans up to $50,000 have a maximum term of 120 months.
Apply Now
More information on Homeowners Xpress
Return to the top

 
Personal Signature Loan
TermAPR1 (as low as)Monthly Payment2
Up to 36 months10.49$32.50
Up to 48 months10.74$25.72
Up to 60 months10.99$21.74
Effective October 03, 2024
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
Return to the top

 
Kwik Cash Line of Credit
APR1 (as low as)Monthly Payment2
13.90$40.00
Effective October 03, 2024
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 
Return to the top
Credit Card Rates arrow
Cash Back Visa Signature Credit Card
TypeAPR1 (as low as)
Visa®16.00
Effective October 03, 2024
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change. Variable rate tied to Wall Street Prime Rate.
 
Apply Now
More information on Cash Back Visa Signature Credit Card



 
Great Rate Platinum Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®8.99
Effective October 03, 2024
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 October 03, 2024
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 October 03, 2024
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.
 
Apply Now
More information on Student Starter Credit Card



 
Credit Builder Credit Card
TypeAPR1 (as low as)
Visa®15.99
Effective October 03, 2024
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.
 
Apply Now
More information on Credit Builder 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 years5.4905.614$5.67
Effective October 03, 2024
 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 $567.16 and a final payment of $91,240.76. 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 period8.000$15.00
Effective October 03, 2024
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
5.4906 years (up to 30 year amortization)5.614$5.67
Effective October 03, 2024
 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 $567.16 and a final payment of $91,240.76. 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
5.99010 years (up to 30 year amortization) 6.065$5.99
Effective October 03, 2024
 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 $598.91 and a final payment of $84,262.27. 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
5.37510 years5.419$10.79
Effective October 03, 2024
 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 $1,079.08 and a final payment of $1,079.08. 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 None
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 October 03, 2024
ATM Card & VISA® Debit Card Fees
Transactions Free unlimited transactions at all POS or merchant terminals
Card Replacement Fee $5
Overdraft Fee $25 per occurrence 
ATM Out-of-State Transactions $2 each
International Fee None
Effective October 03, 2024
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 October 03, 2024
icon-envelope
Mailing Address:
P.O. Box 1487
Appleton, WI
54912-1487
icon-phone
Phone Number:
920.830.7200
icon-routing
Routing #:
275982801

©2024 Community First Credit Union. All rights reserved.
  • Calculators
  • Careers
  • Employee Center
  • Financial Wellness
  • Member Exclusive Discounts
  • NetGiver
  • Privacy & Accessibility
  • Security Education
Equal Housing Opportunity LogoNCUA