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COMMUNITY FIRST Rates & Review March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: March 28, 2026

You can compare COMMUNITY FIRST rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 0.65% and 3-month share certificate rates at 0.75%. Savings rates are at 0.08% and money market rates are at 1.41%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to COMMUNITY FIRST rates. MonitorBankRates evaluates the financial stability of COMMUNITY FIRST with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.69%. Rates were last updated on 03/28/2026.

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 ?
A
Excellent Health Score: 93/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
13.69%
Excellent Higher than avg
Capitol National Bank
Main Office
9637 N Greenville Rd
Lakeview, MI 48850 9107
http://.
Member NCUA

Current Rate Availability

We do not have COMMUNITY FIRST rates right now, but we are constantly updating our database so check back often for updated rates.

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 58
Part-Time Employees 9
Branch Locations 5
ATM Locations 4
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.69%
Return on Assets (ROA)
0.7127%
Return on Equity (ROE)
9.0811%
Non-Performing Loans Ratio (NPL)
1.32%
Total Assets
147,995,052
Total Amount of Shares and Deposits
135,284,872
Total Shares and Deposits < 1 Year
134,445,898
Total Shares and Deposits 1 3 Years
822,374
Total Shares and Deposits > 3 Years
16,599
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,831,452
Total Uninsured Shares and Deposits > $250K (F+J)
8,631,846
Total Insured Shares and Deposits > $250K (item 17 less item K)
126,653,026
Total Interest Expense (Sum of items 6 8)
1,688,995
Share Certificates
1,336
Number of Accounts for Share Drafts
10,212
IRA KEOGH Accounts
123
Number of Accounts for Regular Shares
18,498
All other shares
190
Non Member Deposits
1
Money Market Shares
86
Net Income (unless the amount is already included in Undivided Earnings)
1,056,256
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,801,516
Total Liabilities
136,380,343
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for COMMUNITY FIRST yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for COMMUNITY FIRST
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Frequently Asked Questions About COMMUNITY FIRST

Is COMMUNITY FIRST a safe place to deposit money?

Yes, COMMUNITY FIRST is considered a safe financial institution. With a Texas Ratio of 13.691328814179%, 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 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://..

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