What are the current interest rates at Community First Credit Union?

Current rates for Community First Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.65%, 24-Month CD: 3.65%, 60-Month CD: 4.00%, Savings: 0.30%, MMA: 3.95%

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Community First Credit Union

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Community First Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Community First Credit Union's top rates as of October 13, 2026 are 5.05% APY on its 5, 10, or 15 month CD - CD Special: Pick Your Term, 0.30% APY on savings, 3.95% APY on money market accounts, 0.35% APY on checking, 5.24% on its Jumbo Mortgage - 6 Year Balloon, personal loans from 10.49% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other Community First Credit Union CD rates include 5, 10, or 15 month IRA CD Special - Pick Your Term at 5.05%, 5, 10, or 15 month IRA CD - IRA CD Special at 5.05%, and CD - 5 Year at 4.00%. Other Community First Credit Union mortgage rates include Balloon Mortgages - 6 Year Balloon at 5.24%, Balloon Mortgages - 10 Year Balloon at 5.74%, and 10 Year Balloon - 10% Down with No Mortgage Insurance at 5.87%. 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 0.82%. Rates last updated and verified on 10/13/2026.

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.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.82%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Community First Credit Union
Community First Credit Union - Fox Crossing

1575 Dresang Way
Neenah, WI 54956

https://www.communityfirstcu.org

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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 First Credit Union CD Rates

Product	Rate	APY	Term
5, 10, or 15 month Certificate - CD Special: Pick Your Term	4.94%	5.05%	5, 10, or 15 Months
Min Balance $5,000 Details Effective October 13, 2026; Penalty for early withdrawal applies Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
5, 10, or 15 month IRA CD Special - Pick Your Term	4.96%	5.05%	5, 10, or 15 Months
Min Balance $5,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
5, 10, or 15 month IRA Certificate - IRA CD Special	4.96%	5.05%	5, 10, or 15 Months
Min Balance $5,000 Details Pick Your Term - Choose from 5, 10, or 15 Months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 5 Year	3.93%	4.00%	5 Year
Min Balance $1,000 Details Effective October 13, 2026; Penalty for early withdrawal applies Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA Certificate - 5 Year	3.94%	4.00%	5 Year
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 3 Year	3.74%	3.80%	3 Year
Min Balance $1,000 Details Effective October 13, 2026; Penalty for early withdrawal applies Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA Certificate - 3 Year	3.75%	3.80%	3 Year
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 1 Year	3.59%	3.65%	1 Year
Min Balance $1,000 Details Effective October 13, 2026; Penalty for early withdrawal applies Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 18 Month	3.59%	3.65%	18 Month
Min Balance $1,000 Details Effective October 13, 2026; Penalty for early withdrawal applies Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 2 Year	3.59%	3.65%	2 Year
Min Balance $1,000 Details Effective October 13, 2026; Penalty for early withdrawal applies Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA Certificate - 1 Year	3.60%	3.65%	1 Year
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA Certificate - 18 Month	3.60%	3.65%	18 Month
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
IRA Certificate - 2 Year	3.60%	3.65%	2 Year
Min Balance $1,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 6 Month	3.20%	3.25%	6 Month
Min Balance $2,500 Details Effective October 13, 2026; Penalty for early withdrawal applies Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Certificate - 3 Month	2.96%	3.00%	3 Month
Min Balance $2,500 Details Effective October 13, 2026; Penalty for early withdrawal applies Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Savings Rates

Product	Rate	APY
Holiday Club	0.50%	0.50%
Min Balance $25 Details Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Youth Savings	0.30%	0.30%
Min Balance $25 Details Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Money Market Rates

Product	Rate	APY
Member's Choice Money Market	3.88%	3.95%
Min Balance $2,000,000 Details Balance: $2,000,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market	3.83%	3.90%
Min Balance $750,000 Details Balance: $750,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market	3.59%	3.65%
Min Balance $500,000 Details Balance: $500,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market	3.45%	3.50%
Min Balance $300,000 Details Balance: $300,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market	2.96%	3.00%
Min Balance $150,000 Details Balance: $150,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market	1.98%	2.00%
Min Balance $75,000 Details Balance: $75,000 and over; With Active Checking (4 or more transactions per month); Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Money Market	1.14%	1.15%
Min Balance $150,000 Details Balance: $150,000 and over; Without Checking; Effective October 13, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 1.15% ▼ 1.85 pts · high 3.00% / low 1.15% Oct 1, 20261.15%▼ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Ultimate IRA Money Market	1.05%	1.05%
Min Balance $15,000 Details Balance: $15,000 and over; Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Ultimate Money Market	1.05%	1.05%
Min Balance $15,000 Details Balance: $15,000 and over; Balances falling below $15,000 earn 0.30% and incur a $15 monthly service charge; Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Affordable IRA Money Market	0.90%	0.90%
Min Balance $7,500 Details Balance: $7,500 and over; Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Affordable Money Market	0.90%	0.90%
Min Balance $7,500 Details Balance: $7,500 and over; Balances falling below $7,500 earn a rate and APY of 0.30%, and incur a $15 monthly service charge. Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Checking Rates

Product	Rate	APY
Member's Choice IRA Money Market (with active checking )	3.88%	3.95%
Min Balance $2,000,000 Details Balance: $2,000,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (with active checking )	3.83%	3.90%
Min Balance $750,000 Details Balance: $750,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (with active checking )	3.59%	3.65%
Min Balance $500,000 Details Balance: $500,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (with active checking )	3.45%	3.50%
Min Balance $300,000 Details Balance: $300,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (with active checking )	2.96%	3.00%
Min Balance $150,000 Details Balance: $150,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (with active checking )	1.98%	2.00%
Min Balance $75,000 Details Balance: $75,000 and over; Active checking defined as 4 or more transactions per month; Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (without checking)	1.14%	1.15%
Min Balance $150,000 Details Balance: $150,000 and over; Without checking; Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice IRA Money Market (without checking)	1.00%	1.00%
Min Balance $75,000 Details Balance: $75,000 and over; Without checking; Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Member's Choice Checking	0.30%	0.30%
Details Balance: All Balances; Minimum combined loan and/or deposit balance required to open and maintain account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Direct Benefit & Regular Checking	0.20%	0.20%
Min Balance $5,000 Details Balance: $5,000+; Minimum combined loan and/or deposit balance required to open and maintain account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Direct Benefit & Regular Checking	0.10%	0.10%
Min Balance $500 Details Balance: $500 - $4,999.99; Minimum combined loan and/or deposit balance required to open and maintain account Last Updated 10/13/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.35%	0.35%
Min Balance $50,000 Details Tier 3 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Business Checking	0.25%	0.25%
Min Balance $25,000 Details Tier 2 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Business Checking	0.15%	0.15%
Min Balance $2,500 Details Tier 1 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo Mortgage - 6 Year Balloon	5.24%	-	5.28%
Details As Low As; Jumbo Mortgages (Greater than $832,750) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Balloon Mortgages - 6 Year Balloon	5.24%	-	5.363%
Details As Low As; Note Rate and APR are as low as the stated values Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.36% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Balloon Mortgages - 10 Year Balloon	5.74%	-	5.827%
Details As Low As; Note Rate and APR are as low as the stated values Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.83% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
10 Year Balloon - 10% Down with No Mortgage Insurance	5.865%	-	5.947%	10 Year
Details Balloon Mortgages; Note Rate (as low as); APR (as low as); 10% down with no mortgage insurance; rate example based on $270,000 loan amount and 90% LTV ratio Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Balloon Mortgages - 10 Year Balloon - 10% Down with No Mortgage Insurance	5.865%	-	5.947%
Details As Low As; 10% down with no mortgage insurance; Note Rate and APR are as low as the stated values Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Jumbo Mortgage - 7/1 ARM	5.625%	-	6.437%
Details As Low As; Jumbo Mortgages (Greater than $832,750) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Adjustable Rate Mortgage - 7/1 ARM	5.625%	-	6.474%
Details As low as Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.47% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Balloon Mortgages - 7/1 ARM	5.625%	-	6.474%
Details As Low As; Adjustable Rate Mortgage; Based on $250,000 loan, 80% LTV, minimum 720 credit score Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.24% → 6.47% ▲ 0.24 pts · high 6.47% / low 6.24% Oct 13, 20266.47%▲ from 6.42% Oct 9, 20266.42%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Adjustable Rate Mortgage - 7/1 ARM - 10% Down with No Mortgage Insurance	5.75%	-	6.533%
Details As low as Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.53% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Balloon Mortgages - 7/1 ARM - 10% Down with No Mortgage Insurance	5.75%	-	6.533%
Details As Low As; Adjustable Rate Mortgage; 10% down with no mortgage insurance; Based on $270,000 loan, 90% LTV Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.29% → 6.53% ▲ 0.24 pts · high 6.53% / low 6.29% Oct 13, 20266.53%▲ from 6.47% Oct 9, 20266.47%▲ from 6.29% Sep 14, 20266.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Adjustable Rate Mortgage - 5/1 ARM	5.375%	-	6.567%
Details As low as Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.57% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Balloon Mortgages - 5/1 ARM	5.375%	-	6.567%
Details As Low As; Adjustable Rate Mortgage; Based on $250,000 loan, 80% LTV, minimum 720 credit score Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.27% → 6.57% ▲ 0.30 pts · high 6.57% / low 6.27% Oct 13, 20266.57%▲ from 6.49% Oct 9, 20266.49%▲ from 6.27% Sep 14, 20266.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Lot Loans - 7/1 ARM	6.125%	-	6.788%
Details As Low As; Lot loan, 7/1 adjustable-rate mortgage Last Updated 10/13/2026 Rate History 3 changes since Sep 18, 2026 · 6.61% → 6.79% ▲ 0.18 pts · high 6.79% / low 6.61% Oct 13, 20266.79%▲ from 6.74% Oct 1, 20266.74%▲ from 6.70% Sep 22, 20266.70%▲ from 6.61% Sep 18, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
15 Year Fixed Rate	6.75%	-	6.85%	15 years
Details Fixed Rate Mortgage; Note Rate (as low as) 6.750; APR (as low as) 6.850 Last Updated 10/13/2026 Rate History 5 changes since Sep 14, 2026 · 6.60% → 6.85% ▲ 0.25 pts · high 7.10% / low 6.60% Oct 13, 20266.85%▼ from 6.98% Oct 9, 20266.98%▼ from 7.10% Oct 2, 20267.10%▲ from 6.98% Oct 1, 20266.98%▲ from 6.73% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
15 Year Fixed Rate	6.75%	-	6.85%
Details Fixed Rate Mortgages; Note rate and APR shown as low as; Monthly payment examples are principal and interest only; based on $250,000 loan, 80% LTV, 720 minimum credit score Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Lot Loans - 5/1 ARM	5.875%	-	6.854%
Details As Low As; Lot loan, 5/1 adjustable-rate mortgage Last Updated 10/13/2026 Rate History 3 changes since Sep 18, 2026 · 6.61% → 6.85% ▲ 0.25 pts · high 6.85% / low 6.61% Oct 13, 20266.85%▲ from 6.79% Oct 1, 20266.79%▲ from 6.73% Sep 22, 20266.73%▲ from 6.61% Sep 18, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Lot Loans - 3/1 ARM	5.75%	-	7.092%
Details As Low As; Lot loan, 3/1 adjustable-rate mortgage Last Updated 10/13/2026 Rate History 3 changes since Sep 18, 2026 · 6.76% → 7.09% ▲ 0.33 pts · high 7.09% / low 6.76% Oct 13, 20267.09%▲ from 7.01% Oct 1, 20267.01%▲ from 6.93% Sep 22, 20266.93%▲ from 6.76% Sep 18, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
30 Year Fixed Rate	7.375%	-	7.441%	30 years
Details Fixed Rate Mortgage; Note Rate (as low as) 7.375; APR (as low as) 7.441 Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.94% → 7.44% ▲ 0.50 pts · high 7.57% / low 6.94% Oct 9, 20267.44%▼ from 7.57% Oct 2, 20267.57%▲ from 7.32% Oct 1, 20267.32%▲ from 7.06% Sep 18, 20267.06%▲ from 6.94% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
30 Year Fixed Rate	7.375%	-	7.441%
Details Fixed Rate Mortgages; Note rate and APR shown as low as; Monthly payment examples are principal and interest only; based on $250,000 loan, 80% LTV, 720 minimum credit score Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
30 Year Fixed - 10% Down with No Mortgage Insurance	7.50%	-	7.562%	30 years
Details Fixed Rate Mortgage; 10% down payment with no mortgage insurance; based on $270,000 loan amount and 90% LTV; Note Rate (as low as) 7.500; APR (as low as) 7.562 Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 7.06% → 7.56% ▲ 0.50 pts · high 7.69% / low 7.06% Oct 9, 20267.56%▼ from 7.69% Oct 2, 20267.69%▲ from 7.44% Oct 1, 20267.44%▲ from 7.19% Sep 18, 20267.19%▲ from 7.06% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
30 Year Fixed - 10% Down with No Mortgage Insurance	7.50%	-	7.562%
Details Fixed Rate Mortgages; Note rate and APR shown as low as; 10% down with no mortgage insurance; rate and payment example based on $270,000 loan amount and 90% LTV; Monthly payment examples are principal and interest only Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.56% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 10 & Done Home Loan	5.125%	-	5.257%
Details As Low As; Note Rate (as low as) and APR (as low as) columns Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.26% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Home Equity Loan	5.24%	-	5.362%	6 years
Details As Low As; Note Rate (as low as) and APR (as low as) columns Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.36% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Home Equity 15 Year Fixed Rate	6.75%	-	6.85%
Details As Low As; Note Rate (as low as) and APR (as low as) columns Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Home Equity Line of Credit	-	-	7.00%
Details As Low As; Type: Line of Credit Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Home Equity 30 Year Fixed Rate	7.375%	-	7.441%
Details As Low As; Note Rate (as low as) and APR (as low as) columns Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Home Equity 30 Year Fixed - 10% Down with No Mortgage Insurance	7.50%	-	7.562%
Details As Low As; 10% down; no mortgage insurance; Note Rate (as low as) and APR (as low as) columns Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.56% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto and Motorcycle - 2020 to 2024	-	-	4.25%	36 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2020 to 2024	-	-	4.25%	48 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2020 to 2024	-	-	4.25%	60 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2020 to 2024	-	-	4.25%	72 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2025 & Newer	-	-	4.25%	36 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2025 & Newer	-	-	4.25%	48 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2025 & Newer	-	-	4.25%	60 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2025 & Newer	-	-	4.25%	72 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2017 to 2019	-	-	5.25%	24 months
Details As Low As; Model Years 2017 to 2019 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2017 to 2019	-	-	5.25%	36 months
Details As Low As; Model Years 2017 to 2019 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2017 to 2019	-	-	5.25%	48 months
Details As Low As; Model Years 2017 to 2019 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Auto and Motorcycle - 2025 & Newer	-	-	5.99%	84 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.99% ▲ 0.75 pts · high 5.99% / low 5.24% Oct 9, 20265.99%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats and RVs Loan	-	4.25%	36 months
Details As Low As; Model Year: 2020 & Newer Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25% Oct 13, 20264.25%▼ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Boats and RVs Loan	-	4.25%	48 months
Details As Low As; Model Year: 2020 & Newer Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25% Oct 13, 20264.25%▼ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Boats and RVs Loan	-	4.25%	60 months
Details As Low As; Model Year: 2020 & Newer Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Boats and RVs Loan	-	4.25%	72 months
Details As Low As; Model Year: 2020 & Newer Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports - 2020 & Newer Loan	-	4.25%	24 months
Details As Low As; Powersports - 2020 & Newer Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports - 2020 & Newer Loan	-	4.25%	36 months
Details As Low As; Powersports - 2020 & Newer Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports - 2020 & Newer Loan	-	4.25%	48 months
Details As Low As; Powersports - 2020 & Newer Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports - 2020 & Newer Loan	-	4.25%	60 months
Details As Low As; Powersports - 2020 & Newer Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 9, 20264.25%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Boats and RVs - 2017 to 2019 Loan	-	5.25%	24 months
Details APR as low as Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 22, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Boats and RVs - 2017 to 2019 Loan	-	5.25%	36 months
Details APR as low as Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 22, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Boats and RVs - 2017 to 2019 Loan	-	5.25%	48 months
Details APR as low as Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 22, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports - 2017 to 2019 Loan	-	5.25%	24 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports - 2017 to 2019 Loan	-	5.25%	36 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Powersports - 2017 to 2019 Loan	-	5.25%	48 months
Details As Low As Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.25% ▲ 0.75 pts · high 5.25% / low 4.50% Oct 9, 20265.25%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Credit Card Rates

Product	Rate	APR
Great Rate Platinum Credit Card	-	8.99%
Details As Low As; Type: MasterCard or Visa Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Student Starter Credit Card	-	9.99%
Details As Low As; Network: MasterCard or Visa Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Great Rewards Platinum Credit Card	-	10.99%
Details As Low As; Type: MasterCard or Visa Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Cash Back Visa Signature Credit Card	-	15.00%
Details As Low As; Type: Visa Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 9, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Credit Builder Credit Card - Visa	-	15.99%
Details As Low As Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Personal Loan Rates

Product	APR	Term
Personal Signature Loan	10.49%	Up to 36 months
Details As Low As; APR (as low as) Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 10.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Personal Signature Loan	10.74%	Up to 48 months
Details As Low As; APR (as low as) Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Personal Signature Loan	10.99%	Up to 60 months
Details As Low As; APR (as low as) Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Cash Back Visa Signature Credit Card	15.00%
Details As Low As; Type: Visa Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 9, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Community First Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10 & Done Home Loan	5.125%	-	5.257%
Details Fixed Rate Mortgages; Note rate and APR shown as low as; Monthly payment examples are principal and interest only; based on $250,000 loan, 80% LTV, 720 minimum credit score Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 5.26% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
10 & Done Home Loan	5.125%	-	5.257%
Details Fixed Rate Mortgage; Note Rate (as low as) 5.125; APR (as low as) 5.257 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 5.26% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
10 Year Balloon Loan	5.74%	-	5.827%	10 Year
Details Balloon Mortgages; Note Rate (as low as); APR (as low as) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.83% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
6 Year Balloon Loan	5.24%	-	5.363%	6 Year
Details Balloon Mortgages; Note Rate (as low as); APR (as low as) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.36% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Credit Builder Card Loan	-	-	15.99%
Details As Low As; Visa Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 15.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Kwik Cash Line of Credit	-	-	13.90%
Details As Low As Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 13.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Accumulator IRA	0.30%	-	0.30%
Details IRA Accounts; Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Coverdell Education Savings Account	0.30%	-	0.30%
Details Effective October 13, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

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.
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Financial Health History

Community First Credit Union’s Texas Ratio stayed near 0.56% in Q3 2023 to 0.82% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$6.8B	0.82%	5.0	A+
March 31, 2026	$6.7B	0.85%	5.0	A+
December 31, 2025	$6.4B	0.86%	5.0	A+
September 30, 2025	$6.3B	0.80%	5.0	A+
June 30, 2025	$6.2B	0.74%	5.0	A+
March 31, 2025	$6.2B	0.67%	5.0	A+
December 31, 2024	$6.0B	0.68%	5.0	A+
September 30, 2024	$5.9B	0.67%	5.0	A+
June 30, 2024	$5.8B	0.53%	5.0	A+
March 31, 2024	$5.7B	0.54%	5.0	A+
December 31, 2023	$5.6B	0.58%	5.0	A+
September 30, 2023	$5.5B	0.56%	5.0	A+

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 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.communityfirstcu.org

Address 1575 Dresang Way, Neenah, WI 54956

Phone 920-830-7200

Fax 920-830-7321

President Peter Mariahazy

CEO Catherine Tierney

Full-Time Employees 561

Part-Time Employees 83

Branch Locations 30

ATM Locations 21

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.82%

Return on Assets (ROA)

0.7434%

Return on Equity (ROE)

5.7860%

Non-Performing Loans Ratio (NPL)

0.14%

Total Assets

6,839,334,549

Total Amount of Shares and Deposits

5,923,352,506

Total Shares and Deposits < 1 Year

5,187,256,976

Total Shares and Deposits 1 3 Years

575,729,609

Total Shares and Deposits > 3 Years

160,365,921

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

950,821,217

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

950,821,217

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

4,972,531,289

Total Interest Expense (Sum of items 6 8)

82,224,809

Share Certificates

58,303

Number of Accounts for Share Drafts

130,973

IRA KEOGH Accounts

11,525

Number of Accounts for Regular Shares

230,946

All other shares

7,135

Money Market Shares

7,582

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

50,842,166

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)

930,194,073

Total Liabilities

5,978,912,258

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Community First Credit Union 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.

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Community First Credit Union

Frequently Asked Questions About Community First Credit Union

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.communityfirstcu.org.

Current Community First Credit Union Rates

12-Month CD3.65%
18-Month CD3.65%
24-Month CD3.65%
60-Month CD4.00%
Savings0.30%
MMA3.95%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Community First Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Community First Credit Union Texas Ratio

Community First Credit Union Health Trend

Community First Credit Union CD Rates

Community First Credit Union Savings Rates

Community First Credit Union Money Market Rates

Community First Credit Union Checking Rates

Community First Credit Union Business Checking Rates

Community First Credit Union Mortgage Rates

Community First Credit Union Home Equity & HELOC

Community First Credit Union Auto Loan Rates

Community First Credit Union RV, Boat and Powersport Loan Rates

Community First Credit Union Credit Card Rates

Community First Credit Union Personal Loan Rates

Community First Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Community First Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Community First Credit Union

How many branches does Community First Credit Union operate?

Is a member application needed to join Community First Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Community First Credit Union offer online and mobile banking?

Current Community First Credit Union Rates

Compare to Other Credit Unions