Community Financial Credit Union
Headquarters
Po Box 8050
Plymouth, MI 48170
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2024 Overview
General Credit Union Information
Community Financial is an NCUA insured institution located in Plymouth, MI. It was founded in 1951 and has approximately $1604.49 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68631 |
| Date Established | 1951 |
| Assets | $1,604.49 million |
| Loans | $1,435.41 million |
| Deposits | $1,382.86 million |
| Capital | $152.56 million |
Field of Membership Restrictions
Membership in Community Financial Credit Union is open to those who live, work, attend school or worship in Alcona, Alpena, Antrim, Charlevoix, Cheboygan, Crawford, Emmet, Genesee, Ingham, Jackson, Kalkaska, Lapeer, Lenawee, Livingston, Macomb, Monroe, Montmorency, Oakland, Oscoda, Otsego, Presque Isle, Washtenaw, and Wayne Counties in Michigan.
Deposit Rates - December 22, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.10% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.10% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.10% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.10% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.11% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.11% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.18% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.18% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.05% | $1 | $499 | Learn More |
Loan Rates - December 22, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Community Financial
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.863% | 6.750% | 1.00 | $3,705 | $2,076 | Learn More |
NMLS ID: 2592312 License#: RM.805266.000 |
6.879% | 6.750% | 1.00 | $4,432 | $2,076 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 3029 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
Learn More
More Info |
Note to Community Financial
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Branches
Below are Community Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Community Financial Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 161.52 | A | View Lobby Hours | |
| 165.65 | B | View Lobby Hours | |
| 168.24 | C | View Lobby Hours | |
| 171.55 | D | View Lobby Hours | |
| 172.55 | E | View Lobby Hours | |
| 174.78 | F | View Lobby Hours | |
| 347.02 | G | View Lobby Hours | |
| 353.72 | H | View Lobby Hours | |
| 355.26 | I | View Lobby Hours | |
| 360.06 | J | View Lobby Hours | |
| 361.45 | K | View Lobby Hours | |
| 388.83 | L | View Lobby Hours |
Climate Policy and Initiatives
COMMUNITY FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Community Financial Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Community Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Community Financial | U.S. Average |
|---|---|
| 8.45% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Community Financial had $13,025,999 in non-current loans and $202,627 in owned assets. To cover these potential losses it had $152,555,058 in net worth and $4,037,966 in loans loss reserves. That gives it a Texas Ratio of 8.45%.
Net Worth
| Community Financial | U.S. Average |
|---|---|
| 9.49% | 13.93% |
Community Financial FCU has a net worth of 9.49% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Community Financial
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