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COMMUNITY FIRST

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COMMUNITY FIRST Rates & Review August 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: August 30, 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 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. 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 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.97%. Database rates last updated and verified on 08/30/2026.

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.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.97%

Excellent Higher than avg

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 — check back soon for the latest offers.

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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 (94/100)

Texas Ratio

12.97%

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

Money Market Shares

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

1,056,256

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)

13,801,516

Total Liabilities

136,380,343

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

COMMUNITY FIRST 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/community-first-rates-review-24199">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

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

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://..