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COMMUNITY FIRST

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COMMUNITY FIRST Rates & Review September 2026

Q: How many branches does COMMUNITY FIRST operate?

COMMUNITY FIRST currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join COMMUNITY FIRST?

Yes, to access services at COMMUNITY FIRST, 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.

Q: Is there a first-time homebuyer program?

Currently, COMMUNITY FIRST 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, COMMUNITY FIRST 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: September 23, 2026

COMMUNITY FIRST rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.01%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.71%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not COMMUNITY FIRST, and you can see how they compare in the COMMUNITY FIRST rate tables below. MonitorBankRates evaluates the financial stability of COMMUNITY FIRST with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.20%. Database rates last updated and verified on 09/23/2026.

COMMUNITY FIRST 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? Share your experience about COMMUNITY FIRST by leaving a review below, or read customer reviews before you decide to use COMMUNITY FIRST.

Overall Health & Safety Grade

B+

Good Health Score: 90/100

MonitorBankRates Rating

4.8

Exceptional Out of 5.0 Stars

Texas Ratio

17.20%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

COMMUNITY FIRST
Main Office

9637 N Greenville Rd
Lakeview, MI 48850-9107

http://.

Current Rate Availability

We're not currently displaying rates for COMMUNITY FIRST, but our database is updated constantly, so check back soon for the latest offers.

Are you with COMMUNITY FIRST? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

COMMUNITY FIRST’s Texas Ratio rose from 13.60% in Q2 2023 to 17.20% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A to B+. 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
March 31, 2026	$147M	17.20%	4.8	B+
December 31, 2025	$147M	13.42%	5.0	A
September 30, 2025	$148M	12.97%	5.0	A
June 30, 2025	$145M	13.17%	5.0	A
March 31, 2025	$141M	10.10%	5.0	A
December 31, 2024	$136M	12.91%	5.0	A
September 30, 2024	$131M	11.09%	5.0	A
June 30, 2024	$128M	12.94%	5.0	A
March 31, 2024	$127M	11.68%	5.0	A
December 31, 2023	$126M	17.28%	4.8	B+
September 30, 2023	$122M	13.18%	5.0	A
June 30, 2023	$117M	13.60%	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 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 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's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name COMMUNITY FIRST

Website http://.

Address 9637 N Greenville Rd, Lakeview, MI 48850-9107

Phone 989-352-6031

Fax 989-352-6171

President John Schwandt

CEO Timothy Rasmussen

Full-Time Employees 55

Part-Time Employees 11

Branch Locations 5

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.8 / 5.0 ★

Overall Health & Safety Grade

B+ (90/100)

Texas Ratio

17.20%

Return on Assets (ROA)

0.0585%

Return on Equity (ROE)

0.7127%

Non-Performing Loans Ratio (NPL)

1.80%

Total Assets

146,930,285

Total Amount of Shares and Deposits

133,703,988

Total Shares and Deposits < 1 Year

132,684,365

Total Shares and Deposits 1 3 Years

1,002,366

Total Shares and Deposits > 3 Years

17,257

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

4,773,029

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

5,569,039

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

128,134,949

Total Interest Expense (Sum of items 6 8)

442,277

Share Certificates

1,400

Number of Accounts for Share Drafts

10,436

IRA KEOGH Accounts

128

Number of Accounts for Regular Shares

18,943

All other shares

199

Non Member Deposits

Money Market Shares

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

78,330

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)

11,986,444

Total Liabilities

134,863,367

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About COMMUNITY FIRST

How many branches does COMMUNITY FIRST operate?

COMMUNITY FIRST 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?

Yes, to access services at COMMUNITY FIRST, 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 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 provides members with tools to manage their accounts and build a solid financial history.

Does COMMUNITY FIRST offer online and mobile banking?

Most modern institutions like COMMUNITY FIRST 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: http://..