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Community First Credit Union Rates & Review March 2026

Community First Credit Union's CD Special: Pick Your Term - Choose from 5, 10, or 15 month rates are at 4.10%, IRA CD Special: Pick Your Term - Choose from 5, 10, or 15 month rates are at 4.10%, IRA CDs 5 Year rates are at 4.00%, IRA CDs 3 Year rates are at 3.80%, IRA CDs 1 Year rates are at 3.65%. Community First Credit Union's savings rates are at 0.30%. Community First Credit Union's money market rates are at 1.15%. Community First Credit Union's CFCU 15 Year Fixed rates are at 5.75%, 7/1 ARM rates are at 5.62%, 3/1 ARM rates are at 5.38%, 5/1 ARM rates are at 5.38%, CFCU 30 Year Fixed rates are at 6.12%. Community First Credit Union's Personal Loan Rates are at 8.99%. 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 0.81%. Rates were last updated on 03/25/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.81%
Excellent Lower than avg
Community First Credit Union
Community First Credit Union Fox Crossing
1575 Dresang Way
Neenah, WI 54956
https://www.communityfirstcu.org
Member NCUA

Community First Credit Union CD Rates

Product Rate APY Term View More
CD Special: Pick Your Term - Choose from 5, 10, or 15 month 4.03% 4.10%
Min Balance $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
IRA CD Special: Pick Your Term - Choose from 5, 10, or 15 month 4.04% 4.10%
Min Balance $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
IRA Certificates 5 Year 3.94% 4.00%
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
IRA Certificates 3 Year 3.75% 3.80%
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
IRA Certificates 1 Year 3.60% 3.65%
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
IRA Certificates 18 Month 3.60% 3.65%
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
IRA Certificates 2 Year 3.60% 3.65%
Min Balance $1,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%

Community First Credit Union Savings Rates

Product Rate APY View More
Holiday Club 0.50% 0.50%
Min Balance $25
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Membership & Regular Savings 0.30% 0.30%
Min Balance $100
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Youth Savings 0.30% 0.30%
Min Balance $25
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%

Community First Credit Union Money Market Rates

Product Rate APY View More
Member's Choice IRA Money Market 3.88% 3.95%
Min Balance $2,000,000
Details with active checking*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice IRA Money Market 3.83% 3.90%
Min Balance $750,000
Details with active checking*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice IRA Money Market 3.59% 3.65%
Min Balance $500,000
Details with active checking*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice IRA Money Market 3.45% 3.50%
Min Balance $300,000
Details with active checking*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice IRA Money Market 2.96% 3.00%
Min Balance $150,000
Details with active checking*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice IRA Money Market 1.98% 2.00%
Min Balance $75,000
Details with active checking*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice IRA Money Market 1.14% 1.15%
Min Balance $150,000
Details without checking
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Ultimate IRA Money Market 1.05% 1.05%
Min Balance $15,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Ultimate Money Market 1.05% 1.05%
Min Balance $15,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Affordable IRA Money Market 0.90% 0.90%
Min Balance $7,500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Affordable Money Market 0.90% 0.90%
Min Balance $7,500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%

Community First Credit Union Checking Rates

Product Rate APY View More
Member's Choice Money Market With Active Checking 3.88% 3.95%
Min Balance $2,000,000
Details With Active Checking*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Money Market With Active Checking* 3.88% 3.95%
Min Balance $2,000,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Money Market With Active Checking 3.83% 3.90%
Min Balance $750,000
Details With Active Checking*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Money Market With Active Checking* 3.83% 3.90%
Min Balance $750,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Money Market With Active Checking 3.59% 3.65%
Min Balance $500,000
Details With Active Checking*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Money Market With Active Checking* 3.59% 3.65%
Min Balance $500,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Money Market With Active Checking 3.45% 3.50%
Min Balance $300,000
Details With Active Checking*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Money Market With Active Checking* 3.45% 3.50%
Min Balance $300,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Money Market With Active Checking 2.96% 3.00%
Min Balance $150,000
Details With Active Checking*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Money Market With Active Checking* 2.96% 3.00%
Min Balance $150,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Money Market With Active Checking 1.98% 2.00%
Min Balance $75,000
Details With Active Checking*
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Money Market With Active Checking* 1.98% 2.00%
Min Balance $75,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Money Market Without Checking 1.14% 1.15%
Min Balance $150,000
Details Without Checking
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Business Checking Tier 3 0.35% 0.35%
Min Balance $50,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Member's Choice Checking 0.30% 0.30%
Details All Balances 2
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Business Checking Tier 2 0.25% 0.25%
Min Balance $25,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Direct Benefit & Regular Checking 0.20% 0.20%
Min Balance $5,000
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Business Checking Tier 1 0.15% 0.15%
Min Balance $2,500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Direct Benefit & Regular Checking 0.10% 0.10%
Min Balance $500
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Free Checking - 0.00%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%

Community First Credit Union Mortgage Rates

Product Rate Points APR Term View More
CFCU 15 Year Fixed 5.75% 0 5.93%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
7/1 ARM 5.63% 0 6.16%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
3/1 ARM 5.38% 0 6.17%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
5/1 ARM 5.38% 0 6.17%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
CFCU 30 Year Fixed 6.13% 0 6.23%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
CFCU 20 Year Fixed 6.13% 0 6.27%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
3/1 ARM 5.25% 0 6.29%
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%

Community First Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan 5.24% - 5.36% 6 years
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Home Equity Line of Credit - - 6.75% Up to 10 year draw period
No additional details.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%

Community First Credit Union Credit Card Rates

Product Rate APR View More
Community First Platinum Visa® or Mastercard® - 8.99%
Details As Low As; Regular APR: Your credit score determines your rate. Rates subject to change.
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Great Rate Platinum Credit Card - 8.99%
Details As Low As; Regular APR: 8.99
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Student Starter Credit Card - 9.99%
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Great Rewards Platinum Credit Card - 10.99%
Details As Low As; Regular APR: 10.99
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Cash Back Visa Signature Credit Card - 14.75%
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Credit Builder Credit Card Visa® - 15.99%
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%

Community First Credit Union Personal Loan Rates

Product Rate APR View More
Homeowners Xpress Personal Loan - 8.99%
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Personal Signature Loan - 10.49%
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Personal Signature Loan - 10.74%
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%
Personal Signature Loan - 10.99%
Details As Low As
Last Updated 03/25/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.81%

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
Address 1575 Dresang Way, Neenah, WI 54956
Phone 920-830-7200
Fax 920-830-7321
President Peter Mariahazy
CEO Catherine Tierney
Full-Time Employees 549
Part-Time Employees 67
Branch Locations 29
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
0.81%
Return on Assets (ROA)
0.9614%
Return on Equity (ROE)
7.4684%
Non-Performing Loans Ratio (NPL)
0.14%
Total Assets
6,265,398,158
Total Amount of Shares and Deposits
5,428,879,428
Total Shares and Deposits < 1 Year
5,057,842,734
Total Shares and Deposits 1 3 Years
220,801,633
Total Shares and Deposits > 3 Years
150,235,061
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
780,037,159
Total Uninsured Shares and Deposits > $250K (F+J)
780,037,159
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,648,842,269
Total Interest Expense (Sum of items 6 8)
128,280,540
Share Certificates
54,002
Number of Accounts for Share Drafts
128,160
IRA KEOGH Accounts
11,625
Number of Accounts for Regular Shares
221,978
All other shares
6,971
Money Market Shares
7,416
Net Income (unless the amount is already included in Undivided Earnings)
60,238,188
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
798,592,988
Total Liabilities
5,477,106,030
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Community First Credit Union

Is Community First Credit Union a safe place to deposit money?

Yes, Community First Credit Union is considered a safe financial institution. With a Texas Ratio of 0.8111683816707%, the institution's financial health is rated as excellent. 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 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.

Current Community First Credit Union Rates

  • 12-Month CD3.65%
  • 18-Month CD3.65%
  • 24-Month CD3.65%
  • 60-Month CD4.00%
  • Savings0.30%
  • MMA1.15%
Retrieved from our database of financial products. Rates subject to change.