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Rates
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Rates
Deposit RatesSavings RatesRates effective January 1, 2019
CertificatesRates effective January 1, 2019
IRA (Traditional, Roth or Coverdell Education Savings Account)Rates effective January 1, 2019
| Account Type | Min. Balance | Dividend Rate | APY * | | | 15 Month Certificate Special | $10,000 | 2.87% | 2.90% | | | | | 1 Year | $1,000 | 1.99% | 2.00% | | | | | 18 Month | $1,000 | 2.23% | 2.25% | | | | | 2 Year | $1,000 | 2.72% | 2.75% | | | | | 3 Year | $1,000 | 2.97% | 3.00% | | | | | 5 Year | $1,000 | 3.21% | 3.25% | | | | | Accumulator IRA (Traditional & Roth Only) | None | .35% | .35% | | | | | Coverdell Education Savings Account | None | .35% | .35% | | | | | Members Choice Money Market (With Active Checking) | $150,000 | 1.44% | 1.45% | | | | | Members Choice Money Market(1)(With Active Checking) | $75,000 | 1.19% | 1.20% | | | | | Member’s Choice Money Market (Without Checking Account) | $150,000 | .90% | .90% | | | | | Member’s Choice Money Market(1) (Without Checking Account) | $75,000 | .70% | .70% | | | | | Ultimate IRA Money Market (2) | $15,000 | .80% | .80% | | | | | Affordable IRA Money Market (3) | $7,500 | .55% | .55% | | | | (1) Balances falling below $75,000 earn a rate and APY of 0.30%, and incur a $25 monthly service charge.
(2) Balances falling below $15,000 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
(3) Balances falling below $7,500 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
APY * = Annual Percentage Yield
Penalty for early withdrawal on IRA Certificates.
Rates on non-certificate IRAs may change after account opening and fees may reduce earnings.
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Money Market RatesRates effective January 1, 2019
| Account Type | Min. Balance | Dividend Rate | APY * | Notes | | | Members Choice Money Market (1) | $150,000 | 1.44% | 1.45% | With Active Checking | | | | | | $75,000 | 1.19% | 1.20% | With Active Checking | | | | | | $150,000 | .90% | .90% | Without Active Checking | | | | | | $75,000 | .70% | .70% | Without Active Checking | | | | | Ultimate Money Market (2) | $15,000 | .80% | .80% | | | | | | Affordable Money Market (3) | $7,500 | .55% | .55% | | | | | | First Choice Money Market Savings | $10,000 | .50% | .50% | | | | | (1) Balances falling below $75,000 earn a rate and APY of 0.30%, and incur a $25 monthly service charge.
(2) Balances falling below $15,000 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
(3) Balances falling below $7,500 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
APY * = Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.
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Checking RatesRates effective January 1, 2019
| Account Type | Min. Balance | Dividend Rate | APY * | | | Member's Choice (4) | All Balances | .25% | .25% | | | | | Direct Benefit & Regular Checking | $5,000+ | .15% | .15% | | | | | | $500 - $4,999.99 | .05% | .05% | | | | | Free Checking | $0 | 0.00% | 0.00% | | | | (4) Minimum combined loan and/or deposit balance required to open and maintain account.
Rates may change after account opening and fees may reduce earnings.
APY * = Annual Percentage Yield
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Corporate CheckingRates effective January 1, 2019
| Account Type | Min. Balance | Dividend Rate | APY * | | | Tier 1 | $2,500 | .05% | .05% | | | | | Tier 2 | $25,000 | .20% | .20% | | | | | Tier 3 | $50,000 | .30% | .30% | | | | APY * = Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.
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FeesChecking Account FeesRates effective January 1, 2019
| Overdraft fee | $25 Per Occurrence (Limit 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 | $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 | | Member ID Card Replacement Fee | $.50 | | Inactive Account Fee | $2 per month | | |
ATM Card & VISA Check Card FeesRates effective January 1, 2019
| 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. | Miscellaneous FeesRates effective January 1, 2019
| Wire Transfers | | | Domestic outgoing wire transfer | $20 | | Domestic incoming wire transfer | $10 | | International wire transfer | $100 | | | | Money Orders | | | Money Order Fee | $1 | | Commercial Money Order Fee | $40 | | Foreign Check Collection Fee | $50 | | Cashier Check Fee | $1 | | Photocopies | $ .25 per page | | Zipper Cash Bag Fee | $5 | | Lockable Zipper Cash Bag | $30-$50 depending on size | | | | Fax Services | | | First page outgoing | $2 | | Each additional page outgoing | $1 | | First page incoming | $1 | | Each additional page incoming | $ .50 | | | | Safe deposit box | Varies depending on size | | Check Cashing Fee | $2 per check | | Check Replacement Fee | $25 (non-member) |
BillPayer Fees - Bill Payer is FREE when you pay 1 bill/month. | | BillPayer Inactive Fee | $4.95/month when no bill is paid | | Rush Payment Options within BillPayer. No fees if not used. | | Rush Payment - Overnight Check | $14.95 | | Rush Payment - Same Day | $9.95 |
PopMoney. No fees if not used.
Available service within BillPayer to send money to family and friends electronically. | | 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 | | | | Bank Account Information | 3 Day Delivery | | $0.00 - $249.99 | | $250.00 - $999.99 | | $1000.00 and more | | | Email Address or
Mobile Phone Number | Next Day Delivery | | $0.00 - $249.99 | | $250.00 - $999.99 | | $1000.00 and more | | | | Bank Account Information | Next Day Delivery | | $0.00 - $249.99 | | $250.00 - $999.99 | | $1000.00 and more | | | Loan Rates
Vehicle LoansRates effective January 1, 2019
| Model Year | Term | Monthly Payment Per $1,000 | APR As Low As* | | | 2018 & newer | Up to 66 months | $16.79 | 3.740% | | | | | 2018 & newer | Up to 72 months | $15.64 | 3.990% | | | | | 2018 & newer | Up to 84 months ($30,000 min.) | $14.13 | 4.990% | | | | | 2015 & newer | Up to 72 months | $15.64 | 3.990% | | | | | 2014 & newer | Up to 66 months | $16.79 | 3.740% | | | | | 2013 | Up to 48 months | $22.46 | 3.740% | | | | | 2012-2011 | Up to 48 months | $22.92 | 4.750% | | | | | 2010 & older | Up to 36 months | $30.31 | 5.750% | | | | * APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.
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Recreational Vehicle LoansRates effective January 1, 2019
| Model Year | Term | Monthly Payment Per $1,000 | Apr As Low As* | | | 2015 & newer Boat, RV | Up to 66 months | $16.79 | 3.740% | | | | | $15,000-$20,000 | 72 months (up to 120 mth amortization) ** | $10.12 | 3.990% | | | | | $20,001 & higher | 72 months (up to 180 mth amortization) ** | $7.39 | 3.990% | | | | | Snowmobiles, ATVs, Jet Skis, Cycles | up to 60 months | $18.30 | 3.740% | | | | * APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. Rates subject to change.
** Boat/RV loans: Monthly payment on $20,000.00, 120-month amortization results in 71 payments of $202.50 and a final payment of $9,163.07. Monthly payment on $25,000.00, 180-month amortization results in 71 payments of $184.90 and a final payment of $16,925.99. Ask for rates on 2013 and older.
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Personal LoansRates effective January 1, 2019
| Type | Term | APR * | Monthly Payment Per $1,000 | APR As Low As* | | | Signature Loan | up to 36 months | 9.740% | $32.15 | 9.740% | | | | | Kwik-Cash Line of Credit*** | | 13.900% | $40.00 | 13.90% | | | | | Homeowners Xpress Personal Loan**** | | 7.490% | $15.33 | 7.490% | | | | *APR is Annual Percentage Rate. Rates are subject to change.
** The applicant’s account relationship determines rate, checking with direct deposit and auto pay for lowest rate. All loans subject to credit approval. Minimum loan amount $1,000.00. Maximum loan amount: $5,000. Maximum term: 24 months. All proceeds must be new money and not combined with any other CFCU loans. *** Payment is 4% of the outstanding balance **** Based on 84 months and up to $30,000. For best rate, you must have checking, auto pay, direct deposit, and first mortgage with Community First Credit Union.
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1st Mortgage Rates effective January 1, 2019
For information about other Fixed Rate or Adjustable Rate Mortgage rates click here.| Type | Term | Monthly Payment Per $1,000 | APR As Low As* | | | 6 Year Balloon | Up to 30 year amortization and 80% loan-to-value-ZERO Closing Costs with Checking & Direct Deposit (additional fee may apply if appraisal is required) - $20,000 New Money Required for first mortgages, $10,000/2nd mortgage 1 | $4.91 | 4.240% | | | | | 10 Year Lock It | Up to 30 year amortization and 80% loan-to-value available - $500 Closing Costs on refinances. (additional cost if appraisal is required) New money minimum $20,000 for first mortgage. 2 | $5.00 | 4.695% | | | | | 10 & Done Home Loan | Up to 10 year amortization 80% LTV. $500.00 closing costs on refinance, (additional cost if appraisal required). Minimum loan amount $20,000.00/1st mortgage. 3 | $10.30 | 4.358% | | | | *APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history and credit score.
1 Real Estate/Home Equity: Monthly payment on $100,000.00, 30-year amortization results in 71 payments of $491.64 and a final payment of $89,199.20.
2 Monthly payments on $100,000.00, 30-year amortization results in 119 payments of $514.44 and a final payment of $80,919.21.
3 Monthly payment on $100,000.00, 10-year amortization results in 119 payments of $1,024.96 and a final payment of $960.14.
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. Rates subject to change without notice.
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Home Equity Line of CreditRates effective January 1, 2019
| Home Equity | Term | Monthly Payment Per $1,000 | APR As Low As* | | | Line of Credit | Up to 80% LTV, 10 year draw period. | $15.00 | 5.000% | | | | Payment is 1.5% of the outstanding balance. Minimum line amount $10,000. Variable rates tied to Wall Street Prime Rate .
*APR = Annual Percentage Rate. Your account relationship and credit score determine your rate. Rates subject to change.
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Credit Card RatesPlatinum VISA or MasterCardRates effective January 1, 2019
Choose one of Community First's GREAT Credit Cards!
Student CardsRates effective January 1, 2019
Gain experience handling credit in a secure and responsible way while enjoying the convenience that comes from carrying your own credit card from Community First.
| Student Card | APR * | | | Student Card | 9.99% | | | | *APR = Annual Percentage Rate
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Mortgage RatesPlease visit our Mortgage Center for current mortgage rates.
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