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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 First Credit Union Rates & Review April 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.
Read Full Bio →
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 25, 2026
Community First Credit Union's 6 month IRA CD rates are at 3.56%, 6 month CD rates are at 3.56%, 24 month IRA CD rates are at 3.30%, 24 month CD rates are at 3.30%. Community First Credit Union's savings rates are at 0.10%. Community First Credit Union's money market rates are at 0.75%. Community First Credit Union's Personal Loan Rates are at 10.50%. MonitorBankRates evaluates the financial stability of Community First Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.25%. Rates were last updated on 03/25/2026. Community First Credit Union 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 Credit Union? Share your experience about Community First Credit Union by leaving a review below, or read customer reviews before you decide to use Community First Credit Union. Community First Credit Union
Ashtabula Branch 2043 E Prospect Rd
https://www.cfcua.com Ashtabula, OH 44004 
Community First Credit Union CD Rates
Community First Credit Union Savings Rates
Community First Credit Union Money Market Rates
Community First Credit Union Credit Card Rates
Community First Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Community First Credit Union 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 Credit Union 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Community First Credit Union
Website
https://www.cfcua.com
Address
2043 E Prospect Rd,
Ashtabula, OH 44004
Phone
440-997-5919
Fax
440-992-6244
President
Michael Fitchet
CEO
Mark DeGeorge
Full-Time Employees
16
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.25%
Return on Assets (ROA)
0.4889%
Return on Equity (ROE)
3.6054%
Non-Performing Loans Ratio (NPL)
1.52%
Total Assets
95,527,212
Total Amount of Shares and Deposits
81,431,347
Total Shares and Deposits < 1 Year
79,665,202
Total Shares and Deposits 1 3 Years
1,560,890
Total Shares and Deposits > 3 Years
205,255
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,764,805
Total Uninsured Shares and Deposits > $250K (F+J)
1,764,805
Total Insured Shares and Deposits > $250K (item 17 less item K)
79,666,542
Total Interest Expense (Sum of items 6 8)
536,487
Share Certificates
653
Number of Accounts for Share Drafts
2,986
IRA KEOGH Accounts
166
Number of Accounts for Regular Shares
6,293
Money Market Shares
269
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,486,419
Total Liabilities
82,560,668
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Community First Credit UnionIs Community First Credit Union a safe place to deposit money?Yes, Community First Credit Union is considered a safe financial institution. With a Texas Ratio of 5.2537019317105%, 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 Credit Union operate?Community First Credit Union 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 Credit Union?Yes, to access services at Community First Credit Union, 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 Credit Union 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 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Community First Credit Union offer online and mobile banking?Most modern institutions like Community First Credit Union 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://www.cfcua.com. Current Community First Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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RUTHERFORD POSTAL DISTRICT EM
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