|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Community Financial Services Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
Community Financial Services Federal Credit Union's 12 CD - 1 Year rates are at 2.78%, 36 CD - 3 Year rates are at 1.77%, 24 CD - 2 Year rates are at 1.61%. Community Financial Services Federal Credit Union's money market rates are at 0.35%. Community Financial Services Federal Credit Union's Personal Loan Rates are at 11.00%. MonitorBankRates evaluates the financial stability of Community Financial Services Federal Credit Union with a 3.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 39.45%. Rates were last updated on 04/11/2026. Community Financial Services Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community Financial Services Federal Credit Union? Share your experience about Community Financial Services Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Community Financial Services Federal Credit Union. Community Financial Services Federal Credit Union
Main 149 Saint George Ave
https://cfsfcu.com Roselle, NJ 07203 2936 
Community Financial Services Federal Credit Union CD Rates
Community Financial Services Federal Credit Union Money Market Rates
Community Financial Services Federal Credit Union Home Equity & HELOC
Community Financial Services Federal Credit Union Credit Card Rates
Community Financial Services Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Community Financial Services Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Community Financial Services Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Community Financial Services Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Community Financial Services Federal Credit Union
Website
https://cfsfcu.com
Address
149 Saint George Ave,
Roselle, NJ 07203 2936
Phone
908-245-1650
Fax
908-245-1651
President
Samuel Jones
CEO
Kelly Weiss
Full-Time Employees
7
Part-Time Employees
2
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
3.0 / 5.0 ★
Overall Health & Safety Grade
F (60/100)
Texas Ratio
39.45%
Return on Assets (ROA)
-0.2130%
Return on Equity (ROE)
-1.5197%
Non-Performing Loans Ratio (NPL)
14.08%
Total Assets
31,416,278
Total Amount of Shares and Deposits
27,514,906
Total Shares and Deposits < 1 Year
27,489,274
Total Shares and Deposits 1 3 Years
25,633
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
702,854
Total Uninsured Shares and Deposits > $250K (F+J)
702,854
Total Insured Shares and Deposits > $250K (item 17 less item K)
26,812,052
Total Interest Expense (Sum of items 6 8)
47,552
Share Certificates
52
Number of Accounts for Share Drafts
1,435
IRA KEOGH Accounts
69
Number of Accounts for Regular Shares
2,715
Money Market Shares
3
Net Income (unless the amount is already included in Undivided Earnings)
-66,918
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,036,261
Total Liabilities
27,558,068
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Community Financial Services Federal Credit UnionIs Community Financial Services Federal Credit Union a safe place to deposit money?Yes, Community Financial Services Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 39.445080572233%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Community Financial Services Federal Credit Union operate?Community Financial Services Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Community Financial Services Federal Credit Union?Yes, to access services at Community Financial Services Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Community Financial Services Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Community Financial Services Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Community Financial Services Federal Credit Union offer online and mobile banking?Most modern institutions like Community Financial Services Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://cfsfcu.com. Current Community Financial Services Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Velma Federal Credit Union
LGE Community Credit Union
B Braun Federal Credit Union
Mutual Savings Credit Union Hoover, AL
SafeAmerica Credit Union
Space City Credit Union
Baycel Federal Credit Union
Ashland Credit Union
Transcend Credit Union
Brookline Municipal Credit Union
Scott Associates Credit Union
HARRISON POLICE and FIREMENS
American Broadcast Employees Federal Credit Union
Access Credit Union
Brewton Mill Federal Credit Union
United Credit Union Council Bluffs, IA
Spirit of Alaska Federal Credit Union
Electrical Workers Local 130 Federal Credit Union
Tandem Federal Credit Union
Nebo Credit Union
Elizabeth Police Department Employees Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
