☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Community First Credit Union

iAdvertiser Disclosure

Community First Credit Union Rates & Review November 2026

Q: What are the current interest rates at Community First Credit Union?

Current rates for Community First Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.65%, 24-Month CD: 3.65%, 60-Month CD: 4.00%, Savings: 1.00%, MMA: 3.95%

Q: What CD terms does Community First Credit Union offer?

Community First Credit Union CD rates are 3.65% APY for a 12 month CD, 3.65% APY for an 18 month CD, 3.65% APY for a 2 year CD, 3.80% APY for a 3 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Community First Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Community First Credit Union's CD - 5 Year rates are at 4.00%, CD - 3 Year rates are at 3.80%, CD - 1 Year rates are at 3.65%, CD - 18 Month rates are at 3.65%, CD - 2 Year rates are at 3.65%. Community First Credit Union's savings rates are at 1.00%. Community First Credit Union's money market rates are at 3.95%. Community First Credit Union's checking rates are as high as 0.35%. Community First Credit Union's Jumbo Mortgage - 6 Year Balloon rates are at 5.24%, Balloon Mortgage - 6 Year Balloon rates are at 5.24%, Balloon Mortgage - 10 Year Balloon rates are at 5.74%, 10 Year Balloon - 10% Down with No Mortgage Insurance rates are at 5.87%, Balloon Mortgage - 10 Year Balloon - 10% Down with No Mortgage Insurance rates are at 5.87%. Community First Credit Union's Personal Loan Rates are as low as 10.49%. Community First Credit Union's Credit Card Rates are at 8.99%. Community First Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Community First Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.82%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.82%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Community First Credit Union
Community First Credit Union - Fox Crossing

1575 Dresang Way
Neenah, WI 54956

https://www.communityfirstcu.org

Customer Reviews

Be the first to review

Write a Review

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 CD Rates

Product	Rate	APY	Term
5, 10, or 15 month CD Special - Pick Your Term	4.94%	5.05%	5, 10, or 15 Months
Min Balance $5,000 Details Choose from 5, 10, or 15 Months Term; Effective October 25, 2026; Penalty for early withdrawal applies Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 5.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
5 month Certificate - CD Special: Pick Your Term	4.94%	5.05%	5 months
Min Balance $5,000 Details Term: 5, 10, or 15 Months Term; Effective October 25, 2026; Penalty for early withdrawal on Certificates Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA CD Special: Pick Your Term - Choose from 5, 10, or 15 month	4.96%	5.05%	15 months
Min Balance $5,000 Details Term options: 5, 10, or 15 Months; Penalty for early withdrawal on Certificates applies; Effective October 25, 2026 Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 4.45% → 5.05% ▲ 0.60 pts · high 5.05% / low 4.45% Oct 9, 20265.05%▲ from 4.45% Sep 22, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 5 Year	3.93%	4.00%	5 Year
Min Balance $1,000 Details Effective October 25, 2026; Penalty for early withdrawal on Certificates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA 5 Year Certificate	3.94%	4.00%	5 Year
Min Balance $1,000 Details Penalty for early withdrawal on Certificates applies; Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 3 Year	3.74%	3.80%	3 Year
Min Balance $1,000 Details Effective October 25, 2026; Penalty for early withdrawal on Certificates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA 3 Year Certificate	3.75%	3.80%	3 Year
Min Balance $1,000 Details Penalty for early withdrawal on Certificates applies; Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 1 Year	3.59%	3.65%	1 Year
Min Balance $1,000 Details Effective October 25, 2026; Penalty for early withdrawal on Certificates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 18 Month	3.59%	3.65%	18 Month
Min Balance $1,000 Details Effective October 25, 2026; Penalty for early withdrawal on Certificates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 2 Year	3.59%	3.65%	2 Year
Min Balance $1,000 Details Effective October 25, 2026; Penalty for early withdrawal on Certificates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA 1 Year Certificate	3.60%	3.65%	1 Year
Min Balance $1,000 Details Penalty for early withdrawal on Certificates applies; Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA 18 Month Certificate	3.60%	3.65%	18 Month
Min Balance $1,000 Details Penalty for early withdrawal on Certificates applies; Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA 2 Year Certificate	3.60%	3.65%	2 Year
Min Balance $1,000 Details Penalty for early withdrawal on Certificates applies; Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 6 Month	3.20%	3.25%	6 Month
Min Balance $2,500 Details Effective October 25, 2026; Penalty for early withdrawal on Certificates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 3 Month	2.96%	3.00%	3 Month
Min Balance $2,500 Details Effective October 25, 2026; Penalty for early withdrawal on Certificates Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	1.00%	1.00%
Details Minimum Balance:; Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Holiday Club	0.50%	0.50%
Min Balance $25 Details Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Youth Savings	0.30%	0.30%
Min Balance $25 Details Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Money Market Rates

Product	Rate	APY
Ultimate IRA Money Market	1.05%	1.05%
Min Balance $15,000 Details IRA Money Market (Traditional and Roth) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Ultimate Money Market	1.05%	1.05%
Min Balance $15,000 Details Balance: $15,000 and over; Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Affordable IRA Money Market	0.90%	0.90%
Min Balance $7,500 Details IRA Money Market (Traditional and Roth) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Affordable Money Market	0.90%	0.90%
Min Balance $7,500 Details Balance: $7,500 minimum; Balances falling below $7,500 earn a rate and APY of 0.30%, and incur a $15 monthly service charge; Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Checking Rates

Product	Rate	APY
Member's Choice IRA Money Market (with active checking )	3.88%	3.95%
Min Balance $2,000,000 Details Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market - With Active Checking	3.88%	3.95%
Min Balance $2,000,000 Details Balance: $2,000,000 minimum; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn 0.30% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (with active checking )	3.83%	3.90%
Min Balance $750,000 Details Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market - With Active Checking	3.83%	3.90%
Min Balance $750,000 Details Balance: $750,000 minimum; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn 0.30% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (with active checking )	3.59%	3.65%
Min Balance $500,000 Details Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market - With Active Checking	3.59%	3.65%
Min Balance $500,000 Details Balance: $500,000 minimum; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn 0.30% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (with active checking )	3.45%	3.50%
Min Balance $300,000 Details Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market - With Active Checking	3.45%	3.50%
Min Balance $300,000 Details Balance: $300,000 minimum; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn 0.30% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (with active checking )	2.96%	3.00%
Min Balance $150,000 Details Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market - With Active Checking	2.96%	3.00%
Min Balance $150,000 Details Balance: $150,000 minimum; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn 0.30% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (with active checking )	1.98%	2.00%
Min Balance $75,000 Details Active checking defined as 4 or more transactions per month; IRA Money Market (Traditional and Roth) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market - With Active Checking	1.98%	2.00%
Min Balance $75,000 Details Balance: $75,000 minimum; Active checking defined as 4 or more transactions per month; Balances falling below $75,000 earn 0.30% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (without checking)	1.14%	1.15%
Min Balance $150,000 Details Without checking; IRA Money Market (Traditional and Roth) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market - Without Checking	1.14%	1.15%
Min Balance $150,000 Details Balance: $150,000 minimum; No checking account required; Balances falling below $75,000 earn 0.30% Last Updated 10/29/2026 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: 0.82%
Member's Choice IRA Money Market (without checking)	1.00%	1.00%
Min Balance $75,000 Details Without checking; IRA Money Market (Traditional and Roth) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market - Without Checking	1.00%	1.00%
Min Balance $75,000 Details Balance: $75,000 minimum; No checking account required; Balances falling below $75,000 earn 0.30% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Checking	0.30%	0.30%
Details Balance: All Balances; 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, $25,000 or more in total household loan balances, OR $30,000 or more in total household deposit and loan balances Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Direct Benefit & Regular Checking	0.20%	0.20%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Direct Benefit & Regular Checking	0.10%	0.10%
Min Balance $500 Details Balance: $500 - $4,999.99 Last Updated 10/29/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Free Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.35%	0.35%
Min Balance $50,000 Details Tier 3; Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Business Checking	0.25%	0.25%
Min Balance $25,000 Details Tier 2; Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Business Checking	0.15%	0.15%
Min Balance $2,500 Details Tier 1; Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo Mortgage - 6 Year Balloon	5.24%	-	5.28%
Details As Low As; Jumbo Mortgages (Greater than $832,750) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.28% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Balloon Mortgage - 6 Year Balloon	5.24%	-	5.363%
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.36% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Balloon Mortgage - 10 Year Balloon	5.74%	-	5.827%
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.83% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
10 Year Balloon - 10% Down with No Mortgage Insurance	5.865%	-	5.947%	10 years
Details Balloon Mortgages; 10% down with no mortgage insurance; Note Rate (as low as) 5.865, APR (as low as) 5.947; Monthly payment example: $1,596.58; Rate and payment example based on $270,000 loan amount and 90% LTV ratio; Payment examples are principal and interest only Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.95% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Balloon Mortgage - 10 Year Balloon - 10% Down with No Mortgage Insurance	5.865%	-	5.947%
Details As Low As; 10% Down with No Mortgage Insurance Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Jumbo Mortgage - 7/1 ARM	5.625%	-	6.437%
Details As Low As; Jumbo Mortgages (Greater than $832,750) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Adjustable Rate Mortgage - 7/1 ARM	5.625%	-	6.474%
Details As Low As; Payment example based on $250,000 loan amount, 80% LTV, minimum credit score 720 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.47% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Adjustable Rate Mortgages - 7/1 ARM	5.625%	-	6.474%
Details As Low As; Note Rate (as low as) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.47% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Adjustable Rate Mortgage - 7/1 ARM - 10% Down with No Mortgage Insurance	5.75%	-	6.533%
Details As Low As; 10% down with no mortgage insurance, based on $270,000 loan amount and 90% LTV Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.53% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Adjustable Rate Mortgages - 7/1 ARM - 10% Down with No Mortgage Insurance	5.75%	-	6.533%
Details As Low As; Note Rate (as low as) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.53% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Adjustable Rate Mortgage - 5/1 ARM	5.375%	-	6.567%
Details As Low As; Payment example based on $250,000 loan amount, 80% LTV, minimum credit score 720 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.57% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Adjustable Rate Mortgages - 5/1 ARM	5.375%	-	6.567%
Details As Low As; Note Rate (as low as) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Lot Loans - 7/1 ARM	6.125%	-	6.788%
Details As Low As; Note Rate (as low as) 6.125%; APR (as low as) 6.788% Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.61% → 6.79% ▲ 0.18 pts · high 6.79% / low 6.61% Oct 13, 20266.79%▲ from 6.74% Oct 1, 20266.74%▲ from 6.70% Sep 22, 20266.70%▲ from 6.61% Sep 18, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
15 Year Fixed Rate	6.75%	-	6.85%	15 years
Details As Low As; Fixed Rate Mortgages Last Updated 10/29/2026 Rate History 5 changes since Sep 14, 2026 · 6.60% → 6.85% ▲ 0.25 pts · high 7.10% / low 6.60% Oct 13, 20266.85%▼ from 6.98% Oct 9, 20266.98%▼ from 7.10% Oct 2, 20267.10%▲ from 6.98% Oct 1, 20266.98%▲ from 6.73% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Fixed Rate Mortgages - 15 Year Fixed Rate	6.75%	-	6.85%
Details based on $250,000 loan, 80% LTV, 720 minimum credit score Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Lot Loans - 5/1 ARM	5.875%	-	6.854%
Details As Low As; Note Rate (as low as) 5.875%; APR (as low as) 6.854% Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.61% → 6.85% ▲ 0.25 pts · high 6.85% / low 6.61% Oct 13, 20266.85%▲ from 6.79% Oct 1, 20266.79%▲ from 6.73% Sep 22, 20266.73%▲ from 6.61% Sep 18, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Lot Loans - 3/1 ARM	5.75%	-	7.092%
Details As Low As; Note Rate (as low as) 5.750%; APR (as low as) 7.092% Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 6.76% → 7.09% ▲ 0.33 pts · high 7.09% / low 6.76% Oct 13, 20267.09%▲ from 7.01% Oct 1, 20267.01%▲ from 6.93% Sep 22, 20266.93%▲ from 6.76% Sep 18, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
30 Year Fixed Rate	7.125%	-	7.19%	30 years
Details As Low As; Fixed Rate Mortgages Last Updated 10/29/2026 Rate History 6 changes since Sep 14, 2026 · 6.94% → 7.19% ▲ 0.25 pts · high 7.57% / low 6.94% Oct 26, 20267.19%▼ from 7.32% Oct 19, 20267.32%▼ from 7.44% Oct 9, 20267.44%▼ from 7.57% Oct 2, 20267.57%▲ from 7.32% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Fixed Rate Mortgages - 30 Year Fixed Rate	7.125%	-	7.19%
Details based on $250,000 loan, 80% LTV, 720 minimum credit score Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
30 Year Fixed - 10% Down with No Mortgage Insurance	7.25%	-	7.311%	30 years
Details As Low As; 10% down; no mortgage insurance; Fixed Rate Mortgages Last Updated 10/29/2026 Rate History 6 changes since Sep 14, 2026 · 7.06% → 7.31% ▲ 0.25 pts · high 7.69% / low 7.06% Oct 26, 20267.31%▼ from 7.44% Oct 19, 20267.44%▼ from 7.56% Oct 9, 20267.56%▼ from 7.69% Oct 2, 20267.69%▲ from 7.44% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Fixed Rate Mortgages - 30 Year Fixed - 10% Down with No Mortgage Insurance	7.25%	-	7.311%
Details 10% down payment with no mortgage insurance; rate and payment example based on $270,000 loan amount and 90% LTV Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.31% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 6 Years	5.24%	-	5.362%	6 years
Details As Low As; Note Rate (as low as) 5.240%; APR (as low as) 5.362% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.36% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Home Equity Line of Credit	-	-	7.00%
Details As Low As; Type: Line of Credit Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto and Motorcycle - 2020 to 2024	-	-	4.25%	36 months
Details As Low As; Model Year: 2020 to 2024 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2020 to 2024	-	-	4.25%	48 months
Details As Low As; Model Year: 2020 to 2024 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2020 to 2024	-	-	4.25%	60 months
Details As Low As; Model Year: 2020 to 2024 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2020 to 2024	-	-	4.25%	72 months
Details As Low As; Model Year: 2020 to 2024 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2025 & Newer - 36 months	-	-	4.25%	36 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 26, 20264.25%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2025 & Newer - 48 months	-	-	4.25%	48 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 26, 20264.25%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2025 & Newer - 60 months	-	-	4.25%	60 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 26, 20264.25%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2025 & Newer - 72 months	-	-	4.25%	72 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 26, 20264.25%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2017 to 2019	-	-	5.25%	24 months
Details As Low As; Model years 2017 to 2019 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2017 to 2019	-	-	5.25%	36 months
Details As Low As; Model years 2017 to 2019 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2017 to 2019	-	-	5.25%	48 months
Details As Low As; Model years 2017 to 2019 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2025 & Newer - 84 months	-	-	5.99%	84 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats and RVs Loan	-	4.25%	36 months
Details As Low As; Model Year: 2020 & Newer Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25% Oct 13, 20264.25%▼ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Boats and RVs Loan	-	4.25%	48 months
Details As Low As; Model Year: 2020 & Newer Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25% Oct 13, 20264.25%▼ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Boats and RVs Loan	-	4.25%	60 months
Details As Low As; Model Year: 2020 & Newer Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Boats and RVs Loan	-	4.25%	72 months
Details As Low As; Model Year: 2020 & Newer Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports Loan	-	4.25%	24 months
Details As Low As; Model Year: 2020 & Newer Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports Loan	-	4.25%	36 months
Details As Low As; Model Year: 2020 & Newer Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports Loan	-	4.25%	48 months
Details As Low As; Model Year: 2020 & Newer Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports Loan	-	4.25%	60 months
Details As Low As; Model Year: 2020 & Newer Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Boats and RVs - 2017 to 2019 Loan	-	5.25%	24 months
Details As Low As; Model years 2017 to 2019 Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 22, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Boats and RVs - 2017 to 2019 Loan	-	5.25%	36 months
Details As Low As; Model years 2017 to 2019 Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 22, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Boats and RVs - 2017 to 2019 Loan	-	5.25%	48 months
Details As Low As; Model years 2017 to 2019 Last Updated 10/29/2026 Rate History 1 change since Sep 22, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 22, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports - 2017 to 2019 Loan	-	5.25%	24 months
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports - 2017 to 2019 Loan	-	5.25%	36 months
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports - 2017 to 2019 Loan	-	5.25%	48 months
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Credit Card Rates

Product	Rate	APR
Great Rate Platinum Credit Card	-	8.99%
Details As Low As; Type: MasterCard or Visa Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Student Starter Credit Card	-	9.99%
Details As Low As; Type: MasterCard or Visa Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Great Rewards Platinum Credit Card	-	10.99%
Details As Low As; Type: MasterCard or Visa Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Cash Back Visa Signature Credit Card	-	15.00%
Details APR (as low as); Visa Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 9, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Credit Builder Credit Card	-	15.99%
Details As Low As; Type: Visa Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 15.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Personal Loan Rates

Product	APR	Term
Personal Signature Loan - Up to 36 months	10.49%	Up to 36 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Personal Signature Loan - Up to 48 months	10.74%	Up to 48 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Personal Signature Loan - Up to 60 months	10.99%	Up to 60 months
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Cash Back Visa Signature Credit Card	15.00%
Details APR (as low as); Visa Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 9, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10 & Done Home Loan	5.125%	-	5.257%
Details As Low As; Fixed Rate Mortgages Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.26% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
10 Year Balloon Loan	5.74%	-	5.827%	10 years
Details Balloon Mortgages; Note Rate (as low as) 5.740, APR (as low as) 5.827; Monthly payment example: $1,458.38; Based on $250,000 loan, 80% LTV, minimum credit score 720; Payment examples are principal and interest only Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.83% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
6 Year Balloon Loan	5.24%	-	5.363%	6 years
Details Balloon Mortgages; Note Rate (as low as) 5.240, APR (as low as) 5.363; Monthly payment example: $1,379.87; Based on $250,000 loan, 80% LTV, minimum credit score 720; Payment examples are principal and interest only Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.36% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Kwik Cash Line of Credit	-	-	13.90%
Details As Low As Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 13.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Accumulator IRA	0.30%	-	0.30%
Details Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Coverdell Education Savings Account	0.30%	-	0.30%
Details IRA Accounts table; Minimum Balance:; Effective October 25, 2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Community First Credit Union’s Texas Ratio stayed near 0.56% in Q3 2023 to 0.82% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$6.8B	0.82%	5.0	A+
March 31, 2026	$6.7B	0.85%	5.0	A+
December 31, 2025	$6.4B	0.86%	5.0	A+
September 30, 2025	$6.3B	0.80%	5.0	A+
June 30, 2025	$6.2B	0.74%	5.0	A+
March 31, 2025	$6.2B	0.67%	5.0	A+
December 31, 2024	$6.0B	0.68%	5.0	A+
September 30, 2024	$5.9B	0.67%	5.0	A+
June 30, 2024	$5.8B	0.53%	5.0	A+
March 31, 2024	$5.7B	0.54%	5.0	A+
December 31, 2023	$5.6B	0.58%	5.0	A+
September 30, 2023	$5.5B	0.56%	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 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Community First Credit Union

Website https://www.communityfirstcu.org

Address 1575 Dresang Way, Neenah, WI 54956

Phone 920-830-7200

Fax 920-830-7321

President Peter Mariahazy

CEO Catherine Tierney

Full-Time Employees 561

Part-Time Employees 83

Branch Locations 30

ATM Locations 21

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.82%

Return on Assets (ROA)

0.7434%

Return on Equity (ROE)

5.7860%

Non-Performing Loans Ratio (NPL)

0.14%

Total Assets

6,839,334,549

Total Amount of Shares and Deposits

5,923,352,506

Total Shares and Deposits < 1 Year

5,187,256,976

Total Shares and Deposits 1 3 Years

575,729,609

Total Shares and Deposits > 3 Years

160,365,921

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

950,821,217

Total Uninsured Shares and Deposits > $250K (F+J)

950,821,217

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

4,972,531,289

Total Interest Expense (Sum of items 6 8)

82,224,809

Share Certificates

58,303

Number of Accounts for Share Drafts

130,973

IRA KEOGH Accounts

11,525

Number of Accounts for Regular Shares

230,946

All other shares

7,135

Money Market Shares

7,582

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

50,842,166

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)

930,194,073

Total Liabilities

5,978,912,258

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Community First Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/community-first-credit-union-rates-review-66642">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Community First Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Community First Credit Union

Frequently Asked Questions About Community First Credit Union

Does Community First Credit Union offer CDs?

Yes. Community First Credit Union current CD rates include its CD - 5 Year at 4.00% APY, its CD - 3 Year at 3.80% APY and its CD - 1 Year at 3.65% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Community First Credit Union NCUA insured?

Yes. Community First Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Community First Credit Union?

The highest Community First Credit Union CD rate is its 5, 10, or 15 month CD Special - Pick Your Term at 5.05% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Community First Credit Union offer?

Community First Credit Union CD rates are 3.65% APY for a 12 month CD, 3.65% APY for an 18 month CD, 3.65% APY for a 2 year CD, 3.80% APY for a 3 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Community First Credit Union for its full lineup.

What is the highest savings rate at Community First Credit Union?

The highest Community First Credit Union savings rate is its Health Savings Account at 1.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Community First Credit Union?

The highest Community First Credit Union money market rate is its Member's Choice IRA Money Market (with active checking ) at 3.95% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Community First Credit Union?

The highest Community First Credit Union checking rate is its Member's Choice IRA Money Market (with active checking ) at 3.95% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Community First Credit Union?

The lowest Community First Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Rate at 7.125%, verified by MonitorBankRates as of October 29, 2026. Community First Credit Union mortgage rates are 7.125% for a 30 year mortgage, 6.75% for a 15 year mortgage, 5.74% for a 10 year mortgage, 5.24% for a 6 year mortgage, 5.75% for a 3/1 ARM, 5.375% for a 5/1 ARM and 5.625% for a 7/1 ARM.

What is the lowest auto loan rate at Community First Credit Union?

The lowest Community First Credit Union auto loan rate is its Auto and Motorcycle - 2020 to 2024 at 4.25% APR, verified by MonitorBankRates as of October 29, 2026. Community First Credit Union auto loan rates are 4.25% APR for a 36 month auto loan, 4.25% APR for a 48 month auto loan, 4.25% APR for a 60 month auto loan, 4.25% APR for a 72 month auto loan and 5.99% APR for an 84 month auto loan.

What is the lowest personal loan rate at Community First Credit Union?

The lowest Community First Credit Union personal loan rate is its Cash Back Visa Signature Credit Card at 15.00% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Community First Credit Union?

The lowest Community First Credit Union credit card APR is its Great Rate Platinum Credit Card at 8.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Community First Credit Union operate?

Community First 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 First Credit Union?

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

Does Community First Credit Union offer online and mobile banking?

Most modern institutions like Community First 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://www.communityfirstcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Community First Credit Union rates compare?

Community First Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. Community First Credit Union's top rates are its 5, 10, or 15 month CD Special - Pick Your Term at 5.05% APY, its Health Savings Account at 1.00% APY, its Member's Choice IRA Money Market (with active checking ) at 3.95% APY, its Business Checking at 0.35% APY, its Jumbo Mortgage - 6 Year Balloon at 5.24%, its Personal Signature Loan - Up to 36 months at 10.49% APR and its Great Rate Platinum Credit Card at 8.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Community First Credit Union Rates

12-Month CD3.65%
18-Month CD3.65%
24-Month CD3.65%
60-Month CD4.00%
Savings1.00%
MMA3.95%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Community First Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Community First Credit Union Texas Ratio

Community First Credit Union Health Trend

Community First Credit Union CD Rates

Community First Credit Union Savings Rates

Community First Credit Union Money Market Rates

Community First Credit Union Checking Rates

Community First Credit Union Business Checking Rates

Community First Credit Union Mortgage Rates

Community First Credit Union Home Equity & HELOC

Community First Credit Union Auto Loan Rates

Community First Credit Union RV, Boat and Powersport Loan Rates

Community First Credit Union Credit Card Rates

Community First Credit Union Personal Loan Rates

Community First Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Community First Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Community First Credit Union

Does Community First Credit Union offer CDs?

Are CDs from Community First Credit Union NCUA insured?

What is the highest CD rate at Community First Credit Union?

What CD terms does Community First Credit Union offer?

What is the highest savings rate at Community First Credit Union?

What is the highest money market rate at Community First Credit Union?

What is the highest checking rate at Community First Credit Union?

What is the lowest 30 year fixed mortgage rate at Community First Credit Union?

What is the lowest auto loan rate at Community First Credit Union?

What is the lowest personal loan rate at Community First Credit Union?

What is the lowest credit card APR at Community First Credit Union?

How many branches does Community First Credit Union operate?

Is a member application needed to join Community First Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Community First Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Community First Credit Union rates compare?

Current Community First Credit Union Rates

Compare to Other Credit Unions