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Home Rates

Rates

Deposit Rates      
Loan Rates       Credit Card Rates       Mortgage Rates       Fees


Deposit Rates

Savings Rates

Rates effective May 17, 2018

  Account Type  Min. Balance  Dividend Rate  APY *
Regular Savings$100.30%.30%   
Kids Savings$25.30%.30%   
Holiday Club$25.30%.30%   
Health Savings Account 1.49%1.50%   
APY * = Annual Percentage Yield
Rates may change after account opening and fees may reduce earnings.

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Certificates

Rates effective May 17, 2018

  Account Type  Min. Balance  Dividend Rate  APY *
16 Month Certificate Special with Checking and Direct Deposit $10,0002.23%2.25%   
16 Month Certificate Special without Checking and Direct Deposit $10,0001.74%1.75%   
90 Days$2,500.60%.60%   
6 Month$2,500.85%.85%   
1 Year$1,0001.39%1.40%   
18 Months$1,0001.98%2.00%   
2 Year$1,0002.23%2.25%   
3 Year$1,0002.47%2.50%   
5 Year$1,0002.72%2.75%   
APY * = Annual Percentage Yield. Penalty for early withdrawal.

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IRA (Traditional, Roth or Coverdell Education Savings Account)

Rates effective May 17, 2018

  Account Type  Min. Balance  Dividend Rate  APY *
16 Month Certificate Special with Checking and Direct Deposit $10,0002.23%2.25%   
16 Month Certificate Special without Checking and Direct Deposit $10,0001.74%1.75%   
1 Year$1,0001.39%1.40%   
18 Month$1,0001.985%2.00%   
2 Year$1,0002.23%2.25%   
3 Year$1,0002.48%2.50%   
5 Year$1,0002.72%2.75%   
Accumulator IRA (Traditional & Roth Only)None.35%.35%   
Coverdell Education Savings AccountNone.35%.35%   
Members Choice Money Market(1)(With Active Checking)$75,000.95%.95%   
Member´┐Żs Choice Money Market(1) (Without Checking Account)$75,000.50%.50%   
Ultimate IRA Money Market (2)$15,000.65%.65%   
Affordable IRA Money Market (3)$7,500.50%.50%   
(1) Balances falling below $75,000 earn a rate and APY of 0.25%, and incur a $25 monthly service charge.
(2) Balances falling below $15,000 earn a rate and APY of 0.25%, and incur a $15 monthly service charge.
(3) Balances falling below $7,500 earn a rate and APYof 0.25%, and incur a $15 monthly service charge.

APY * = Annual Percentage Yield  ** Add .10% when you have checking & direct deposit.

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 Rates

Rates effective May 17, 2018

  Account Type  Min. Balance  Dividend Rate  APY *  Notes
Members Choice Money Market (1)$75,000+1.00%1.00%With Active Checking   
 $75,000+.50%.50%Without Active Checking   
Ultimate Money Market (2)$15,000.70%.70%    
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 Rates

Rates effective May 17, 2018

  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$00.00%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 Checking

Rates effective May 17, 2018

  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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Fees

Checking Account Fees

Rates effective May 17, 2018
                                                                                                                                                           
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


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ATM Card & VISA Check Card Fees

Rates effective May 17, 2018
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. 

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Miscellaneous Fees

Rates effective May 17, 2018
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
Traveler checks $1 (per $100 purchased)
Free for Direct Benefit & Member's Choice Checking
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
$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

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Loan Rates


Vehicle Loans

Rates effective May 21, 2018


  Model Year  Term  Monthly Payment Per $1,000  APR As Low As*
2017 & newer Up to 66 months$16.452.990%   
2017 & newer Up to 72 months$15.303.240%   
2017 & newerUp to 84 months ($30,000 min.)$13.664.240%   
2014 & newerUp to 72 months$15.303.240%   
2013 & newer Up to 66 months$16.452.990%   
2012 Up to 48 months$22.132.990%   
2010-2011Up to 48 months$22.694.250%   
2009 & olderUp to 36 months$30.085.250%   
* 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 Loans

Rates effective May 21, 2018

  Model Year   Term  Monthly Payment Per $1,000  Apr As Low As*
2014 & newer Boat, RVUp to 66 months$16.452.990%   
$15,000-$20,000 72 months (up to 120 mth amortization) **$9.773.240%   
$20,001 & higher 72 months (up to 180 mth amortization) **$7.023.240%   
Snowmobiles, ATVs, Jet Skis, Cyclesup to 60 months$17.962.990%   
 * 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 $195.46 and a final payment of $8,973.42 Monthly payment on $25,000.00, 180-month amortization results in 71 payments of $175.64 and a final payment of $16,598.85.  Ask for rates on 2013 and older. 



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Personal Loans

Rates effective May 21, 2018

  Type  Term  Monthly Payment Per $1,000  APR As Low As*
Signature LoanUp to 36 months$32.159.740%   
Kwik-Cash Line of Credit** $40.0013.90%   
Homeowners Xpress Personal Loan*** $15.096.990%   
*APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.
** 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 May 21, 2018
 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 BalloonUp 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. 1$4.633.740%   
10 Year Lock ItUp 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$4.894.195%   
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. 3$10.063.859%   
*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 119 payments of $484.92 and a final payment of 79,819.36
2  Monthly payments on $100,000.00, 10-year amortization results in 119 payments of $1001.18 and a final payment of $949.60
3 Monthly payment on $100,000.00, 30-year amortization results in 71 payments of $462.80 and a final payment of 88,308.75
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 approvalRates subject to change without notice.

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Home Equity Line of Credit

Rates effective May 21, 2018


  Home Equity   Term  Monthly Payment Per $1,000  APR As Low As*
Line of Credit Up to 80% LTV, 10 year draw period.$15.004.750%   
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 Rates

Platinum VISA or MasterCard

Rates effective May 2, 2018
Choose one of Community First's GREAT Credit Cards!
  Card Type  APR *
GREAT Rate Platinum Credit Cardas low as 8.99%   
GREAT Rewards Platinum Cardas low as 10.99%   
*APR=Annual Percentage Rate

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Student Cards

Rates effective May 2, 2018
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 Card9.99%   
*APR = Annual Percentage Rate
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Mortgage Rates

Please visit our Mortgage Center for current mortgage rates.
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