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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Community Financial Services FCU Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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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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 and Verified: September 14, 2026
Community Financial Services FCU's CD - 6 Month rates are at 4.07%, CD - 3 Month rates are at 3.82%, 12 Month CD - 1 Year rates are at 2.78%, 36 Month CD - 3 Year rates are at 1.77%, 24 Month CD - 2 Year rates are at 1.61%. Community Financial Services FCU's money market rates are at 0.35%. Community Financial Services FCU's Personal Loan Rates are as low as 11.00%. Community Financial Services FCU's Credit Card Rates are at 17.00%. 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 7.01%. Rates last updated and verified on 09/14/2026. 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. 
Community Financial Services FCU CD Rates
Community Financial Services FCU Money Market Rates
Community Financial Services FCU Home Equity & HELOC
Community Financial Services FCU Auto Loan Rates
Community Financial Services FCU RV, Boat and Powersport Loan Rates
Community Financial Services FCU Credit Card Rates
Community Financial Services FCU Personal Loan Rates
Community Financial Services FCU Other Rates
Financial Health HistoryCommunity Financial Services FCU’s Texas Ratio fell from 35.23% in Q2 2023 to 7.01% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.3 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.01%
Return on Assets (ROA)
-0.2213%
Return on Equity (ROE)
-1.6839%
Non-Performing Loans Ratio (NPL)
2.95%
Total Assets
31,656,604
Total Amount of Shares and Deposits
27,975,957
Total Shares and Deposits < 1 Year
27,904,902
Total Shares and Deposits 1 3 Years
71,053
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
859,059
Total Uninsured Shares and Deposits > $250K (F+J)
859,059
Total Insured Shares and Deposits > $250K (item 17 less item K)
27,116,898
Total Interest Expense (Sum of items 6 8)
13,785
Share Certificates
47
Number of Accounts for Share Drafts
1,294
IRA KEOGH Accounts
67
Number of Accounts for Regular Shares
2,572
Money Market Shares
3
Net Income (unless the amount is already included in Undivided Earnings)
-70,070
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)
3,926,189
Total Liabilities
28,005,595
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Community Financial Services FCU yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Community Financial Services FCU
Frequently Asked Questions About Community Financial Services FCUHow 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. Current Community Financial Services FCU Rates
Retrieved from our database of financial products. Rates subject to change.
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