What are the current interest rates at Community First Credit Union Hannibal, MO?

Current rates for Community First Credit Union Hannibal, MO include: 12-Month CD: 3.25%, 24-Month CD: 1.40%, 60-Month CD: 1.15%, Savings: 0.60%

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Community First Credit Union Hannibal, MO

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Community First Credit Union Hannibal, MO Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community First Credit Union Hannibal, MO provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Community First Credit Union Hannibal, MO's top rates as of October 9, 2026 are 3.25% APY on its 12 month CD, 0.60% APY on savings, and personal loans from 9.24% APR, according to rates verified by MonitorBankRates. Other Community First Credit Union Hannibal, MO CD rates include 24 month CD at 1.40%, 36 month CD at 1.35%, and 48 month CD at 1.20%. MonitorBankRates evaluates the financial stability of Community First Credit Union Hannibal, MO with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.67%. Rates last updated and verified on 10/09/2026.

Community First Credit Union Hannibal, MO 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 First Credit Union Hannibal, MO? Share your experience about Community First Credit Union Hannibal, MO by leaving a review below, or read customer reviews before you decide to use Community First Credit Union Hannibal, MO.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.67%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Community First Credit Union Hannibal, MO
Main Office

6460 Interstate Ct
Hannibal, MO 63401

https://mycommunityfirstcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Community First Credit Union Hannibal, MO CD Rates

Product	Rate	APY	Term
12 month Certificate	-	3.25%	12 Months
Details Published APY range: 3.25% - 3.29%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.67%
24 month Certificate	-	1.40%	24 Months
Details Published APY range: 1.40% - 1.41%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.67%
36 month Certificate	-	1.35%	36 Months
Details Published APY range: 1.35% - 1.36%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.67%
48 month Certificate	-	1.20%	48 Months
Details Published APY range: 1.20% - 1.21%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.67%
60 month Certificate	-	1.15%	60 Months
Details Published APY range: 1.15% - 1.15%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.67%

Community First Credit Union Hannibal, MO Savings Rates

Product	Rate	APY	View More
Regular Share Savings	-	0.60%
Min Deposit $100 Details Published APY range: 0.60% - 0.60%. On balances of $100 or more. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.67%

Community First Credit Union Hannibal, MO Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.24%
Details As low as; Depending on Credit Score; please see rate sheet for details Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.67%

Community First Credit Union Hannibal, MO Personal Loan Rates

Product	APR	Term	View More
Signature Loans	9.24%
Details As low as; Depending on Credit Score; please see rate sheet for details Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.67%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Community First Credit Union Hannibal, MO’s Texas Ratio fell from 7.01% in Q3 2023 to 1.67% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$9M	1.67%	5.0	A+
March 31, 2026	$8M	0.88%	5.0	A+
December 31, 2025	$9M	0.43%	5.0	A+
September 30, 2025	$9M	4.13%	5.0	A+
June 30, 2025	$9M	10.90%	5.0	A
March 31, 2025	$8M	2.28%	5.0	A+
December 31, 2024	$8M	5.93%	5.0	A+
September 30, 2024	$8M	4.89%	5.0	A+
June 30, 2024	$8M	3.73%	5.0	A+
March 31, 2024	$8M	5.62%	5.0	A+
December 31, 2023	$8M	7.33%	5.0	A
September 30, 2023	$8M	7.01%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Community First Credit Union Hannibal, MO 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 First Credit Union Hannibal, MO 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 First Credit Union Hannibal, MO's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Community First Credit Union Hannibal, MO

Website https://mycommunityfirstcu.com

Address 6460 Interstate Ct, Hannibal, MO 63401

Phone 573-248-2569

Fax 573-248-2455

President Michael Baxter

CEO NATHAN HATHAWAY

Full-Time Employees 2

Part-Time Employees 4

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.67%

Return on Assets (ROA)

-0.0692%

Return on Equity (ROE)

-0.6008%

Non-Performing Loans Ratio (NPL)

0.26%

Total Assets

8,531,068

Total Amount of Shares and Deposits

7,438,029

Total Shares and Deposits < 1 Year

7,425,028

Total Shares and Deposits 1 3 Years

13,000

Total Insured Shares and Deposits > $250K (item 17 less item K)

7,438,029

Total Interest Expense (Sum of items 6 8)

38,378

Share Certificates

Number of Accounts for Share Drafts

322

Number of Accounts for Regular Shares

1,188

Net Income (unless the amount is already included in Undivided Earnings)

-5,904

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

97,391

Total Liabilities

7,548,230

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Community First Credit Union Hannibal, MO earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Frequently Asked Questions About Community First Credit Union Hannibal, MO

How many branches does Community First Credit Union Hannibal, MO operate?

Community First Credit Union Hannibal, MO 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 First Credit Union Hannibal, MO?

Yes, to access services at Community First Credit Union Hannibal, MO, 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 First Credit Union Hannibal, MO 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 First Credit Union Hannibal, MO provides members with tools to manage their accounts and build a solid financial history.

Does Community First Credit Union Hannibal, MO offer online and mobile banking?

Most modern institutions like Community First Credit Union Hannibal, MO 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://mycommunityfirstcu.com.