What are the current interest rates at Community Financial Services FCU?

Current rates for Community Financial Services FCU include: 12-Month CD: 2.78%, 24-Month CD: 1.61%, MMA: 0.55%

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Community Financial Services FCU

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Community Financial Services FCU Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community Financial Services FCU 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 12, 2026

Community Financial Services FCU's top rates as of October 12, 2026 are 4.07% APY on its CD - 6 Month, 0.55% APY on money market accounts, personal loans from 11.00% APR, and credit cards from 17.00% APR, according to rates verified by MonitorBankRates. Other Community Financial Services FCU CD rates include CD - 3 Month at 3.82%, 12 Month CD - 1 Year at 2.78%, and 36 Month CD - 3 Year at 1.77%. MonitorBankRates evaluates the financial stability of Community Financial Services FCU with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.96%. Rates last updated and verified on 10/12/2026.

Community Financial Services FCU 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 Financial Services FCU? Share your experience about Community Financial Services FCU by leaving a review below, or read customer reviews before you decide to use Community Financial Services FCU.

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

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.96%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Community Financial Services FCU
Main

149 Saint George Ave
Roselle, NJ 07203-2936

https://cfsfcu.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 Financial Services FCU CD Rates

Product	Rate	APY	Term
Share Certificate - 6 Month	3.99%	4.07%	6 Month
Details Minimum balance to open account: $2500; 90-day dividend penalty for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
Share Certificate - 3 Month	3.75%	3.82%	3 Month
Details Minimum balance to open account: $2500; 90-day dividend penalty for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
12 Month Share Certificate - 1 Year	2.75%	2.78%	12 Month
Details Minimum balance to open account: $2500; 90-day dividend penalty for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
36 Month Share Certificate - 3 Year	1.75%	1.77%	36 Month
Details Minimum balance to open account: $2500; 90-day dividend penalty for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.77% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
24 Month Share Certificate - 2 Year	1.60%	1.61%	24 Month
Details Minimum balance to open account: $2500; 90-day dividend penalty for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.61% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%

Community Financial Services FCU Money Market Rates

Product	Rate	APY
Money Market	0.55%	0.55%
Min Balance $100,000 Details $100,000; Balance: $100,000 - Over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
Money Market	0.45%	0.45%
Min Balance $25,000 Details $25,000 - $99,000; Balance: $25,000 - $99,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
Money Market	0.35%	0.35%
Min Balance $2,500 Details $2500 - $24,999; Balance: $2500 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%

Community Financial Services FCU Auto Loan Rates

Product	Rate	Points	APR	Term
New Cars and Motorcycles Loan	4.75%	-	4.75%	36 months
Details As Low As; 100% of Purchase Price Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
New Cars and Motorcycles Loan	5.00%	-	5.00%	48 months
Details As Low As; 100% of Purchase Price Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
New Cars and Motorcycles Loan	5.25%	-	5.25%	60 months
Details As Low As; 100% of Purchase Price Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
Used Cars and Motorcycles (NADA Financing Value)	5.25%	-	5.25%	36 months
Details As Low As; NADA Financing Value Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
Used Cars and Motorcycles (NADA Financing Value)	5.50%	-	5.50%	48 months
Details As Low As; NADA Financing Value Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
Used Cars and Motorcycles (NADA Financing Value)	5.75%	-	5.75%	60 months
Details As Low As; NADA Financing Value Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%

Community Financial Services FCU RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats, Planes, RVs, Motor Homes, Mobile Homes Loan	9.50%	9.50%	84 months
Details under $25,000; As Low As Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
Used Boats, Planes, RVs, Motor Homes, Mobile Homes Loan	9.50%	9.50%	48 months
Details under $25,000; As Low As Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
New Boats, Planes, RVs, Motor Homes, Mobile Homes Loan	9.75%	9.75%	180 months
Details over $25,000; As Low As Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%

Community Financial Services FCU Credit Card Rates

Product	Rate	APR
VISA Credit Card Platinum	-	17.00%
Details Adjustable Interest Rates Based on Prime Rate as of January 1st and July 1st; Effective as of: 01/20/26 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 17.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
VISA Credit Card Classic	-	18.00%
Details Adjustable Interest Rates Based on Prime Rate as of January 1st and July 1st; Effective as of: 01/20/26 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%
VISA Credit Card Gold	-	18.00%
Details Adjustable Interest Rates Based on Prime Rate as of January 1st and July 1st; Effective as of: 01/20/26 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%

Community Financial Services FCU Personal Loan Rates

Product	APR	Term	View More
Loanliner Line-of-Credit and Personal Loans	11.00%	60 months
Details As Low As; up to $10,000 for 3 years Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%

Community Financial Services FCU Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA Shares	0.25%	-	0.25%
Details IRA; term N/A Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.96%

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 Financial Services FCU’s Texas Ratio fell from 36.51% in Q3 2023 to 6.96% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.2 to 5.0 and its Health Grade from D 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	$31M	6.96%	5.0	A
March 31, 2026	$32M	7.01%	5.0	A
December 31, 2025	$31M	6.45%	5.0	A
September 30, 2025	$31M	34.18%	3.4	D
June 30, 2025	$32M	33.16%	3.5	D
March 31, 2025	$33M	33.75%	3.4	D
December 31, 2024	$32M	33.30%	3.5	D
September 30, 2024	$32M	28.75%	3.9	C
June 30, 2024	$35M	31.30%	3.6	C-
March 31, 2024	$35M	30.16%	3.7	C-
December 31, 2023	$35M	35.98%	3.3	D
September 30, 2023	$35M	36.51%	3.2	D

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 Financial Services FCU 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 Financial Services FCU 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 Financial Services FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Community Financial Services FCU

Website https://cfsfcu.com

Address 149 Saint George Ave, Roselle, NJ 07203-2936

Phone 908-245-1650

Fax 908-245-1651

President Samuel Jones

CEO Kelly Weiss

Full-Time Employees 7

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.96%

Return on Assets (ROA)

-0.3693%

Return on Equity (ROE)

-2.7476%

Non-Performing Loans Ratio (NPL)

2.88%

Total Assets

30,642,719

Total Amount of Shares and Deposits

27,029,873

Total Shares and Deposits < 1 Year

26,984,459

Total Shares and Deposits 1 3 Years

45,413

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

661,955

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

661,955

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

26,367,918

Total Interest Expense (Sum of items 6 8)

27,602

Share Certificates

Number of Accounts for Share Drafts

1,298

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,610

Money Market Shares

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

-113,152

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)

2,700,544

Total Liabilities

27,061,028

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Community Financial Services FCU 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About Community Financial Services FCU

How many branches does Community Financial Services FCU operate?

Community Financial Services FCU 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 Financial Services FCU?

Yes, to access services at Community Financial Services FCU, 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 Financial Services FCU 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 Financial Services FCU provides members with tools to manage their accounts and build a solid financial history.

Does Community Financial Services FCU offer online and mobile banking?

Most modern institutions like Community Financial Services FCU 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://cfsfcu.com.