Community First Credit Union

Headquarters

Po Box 1487
Appleton, WI 54912
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.80%	5.50% →
1-Year CD	3.80%	4.80% →
2-Year CD	4.00%	4.25% →
5-Year CD	4.10%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Reviewed by pmm | February 12, 2022

Community First CU does NOT offer online Principal Payments on loans. CFCU online services are 20 years behind the industry. Online Principal payments are offered at Credit unions. Avoid Community First Credit Union if want the convenience of online principal payments. If you want to Save yourself hours/ Days by going to brick and mortar CU to make principal payments over the course of the loan Do Not become a member of Community First Credit Union. You're an " Owner " of the past in online banking at Community First Credit Union.

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Community First is an NCUA insured institution located in Appleton, WI. It was founded in 1975 and has approximately $5783.56 millions in assets.

Who can join?

Anyone who works, lives or attends school in Outagamie, Winnebago, Calumet, Manitowoc, Waupaca, Brown, Fond du Lac, Green Lake, Oconto, Shawano, Sheboygan and Waushara counties can join Community First. Once you join, you have membership for life, even if you move from the above counties.


NCUA Insured	Yes / State-Chartered
Charter Number #	# 66642
Date Established	1975
Assets	$5,783.56 million
Loans	$4,061.84 million
Deposits	$5,037.08 million
Capital	$715.95 million

Field of Membership Restrictions

Membership in Community First Credit Union is open to those who live, work, or attend school in Winnebago, Outagamie, Calumet, Kewaunee, Manitowoc, Brown, Fond du Lac, Green Lake, Oconto, Shawano, Sheboygan and Waushara counties in Wisconsin.

Deposit Rates - November 2, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.80%	$100	-	Learn More Reviews
Money Market	0.90%	$7,500	-	Learn More Reviews
Money Market	1.05%	$15,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	3.25%	$2,500	-	Learn More Reviews
10 Month Special	4.75%	$5,000	-	Learn More Reviews
12 Mo CD	3.80%	$1,000	-	Learn More Reviews
15 Month Special	4.60%	$5,000	-	Learn More Reviews
18 Mo CD	3.90%	$1,000	-	Learn More Reviews
24 Mo CD	4.00%	$1,000	-	Learn More Reviews
36 Mo CD	4.10%	$1,000	-	Learn More Reviews
60 Mo CD	4.10%	$1,000	-	Learn More Reviews

Loan Rates - November 2, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Community First

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: 2262032 License#: RM.804810.000	6.391%	6.250%	1.00	$4,800	$1,971	Learn More
NMLS ID: 1835285	6.494%	6.375%	0.75	$4,000	$1,997	Learn More
NMLS ID: 401822	6.818%	6.625%	1.00	$6,400	$2,049	Learn More
NMLS ID: 1025894	6.987%	6.875%	0.88	$3,654	$2,103	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.490 % After Intro: 7.490 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 9.250 % After Intro: 9.250 %	$0	Learn More More Info
All terms are estimates until underwriting is complete. Offer shown includes a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (2.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Offers are only valid in states where Achieve is licensed. Loans are not available to residents of all states and available loan terms and fees may vary by state where offered. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Community First
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Community First 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 First Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Community First Credit Union - Manitowoc	378.10	A	View Lobby Hours
Community First Credit Union - Bellevue	406.07	B	View Lobby Hours
Community First Credit Union - South Park	406.31	C	View Lobby Hours
Community First Credit Union - Oshkosh	408.58	D	View Lobby Hours
Community First Credit Union - Darboy	409.57	E	View Lobby Hours
Community First Credit Union - Industrial	410.16	F	View Lobby Hours
Community First Credit Union - West Depere	410.71	G	View Lobby Hours
Community First Credit Union - Forest	411.21	H	View Lobby Hours
Community First Credit Union - Oneida	411.54	I	View Lobby Hours
Community First Credit Union - Winneconne Ave	411.71	J	View Lobby Hours
Community First Credit Union - Ballard	412.94	K	View Lobby Hours
Community First Credit Union - Appleton Retirement Community	413.12	L	View Lobby Hours
Community First Credit Union - Mason	413.38	M	View Lobby Hours
Community First Credit Union - Richmond	413.43	N	View Lobby Hours
Community First Credit Union - Touchmark	413.81	O	View Lobby Hours
Community First Credit Union - Nicolet	415.01	P	View Lobby Hours
Community First Credit Union - FVTC	415.82	Q	View Lobby Hours
Community First Credit Union - Howard	416.85	R	View Lobby Hours
Community First Credit Union - Greenville Branch	417.48	S	View Lobby Hours
Community First Credit Union - Wolf River	431.84	T	View Lobby Hours
Community First Credit Union - Waupaca	442.38	U	View Lobby Hours
Community First Credit Union - King	444.29	V	View Lobby Hours
Community First Credit Union - Heritage	1246.77	W	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

COMMUNITY FIRST 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 First Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community First. 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 First	U.S. Average
0.61%	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 First had $4,366,792 in non-current loans and $30,206 in owned assets. To cover these potential losses it had $715,953,190 in net worth and $4,003,836 in loans loss reserves. That gives it a Texas Ratio of 0.61%.

Net Worth

Community First	U.S. Average
12.38%	13.93%

Community First FCU has a net worth of 12.38% 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 First

pmm

February 12, 2022

Community First CU does NOT offer online Principal Payments on loans. CFCU online services are 20 years behind the industry. Online Principal payments are offered at Credit unions. Avoid Community First Credit Union if want the convenience of online principal payments. If you want to Save yourself hours/ Days by going to brick and mortar CU to make principal payments over the course of the loan Do Not become a member of Community First Credit Union. You're an " Owner " of the past in online banking at Community First Credit Union.

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