Loan Processing Fees:

There may be a loan processing fee up to $45 for consumer loans.

Home Equity or Mortgages: Please contact a loan officer:


Lakeview Branch: (989) 352- 6031

Howard City Branch: (231) 937- 9400

Trufant Branch: (616) 984- 9700

Morley Branch: (231) 307- 3164 


Your credit report will be ran once you submit your loan application. Please see our Schedule of Fees under the Rates tab.


Loans Offered:


From new to used, we offer great rates on auto loans.

To get a good idea about your trade in value or to make sure you’re getting a great deal on your next automobile, visit today!



An all purpose loan to help you with whatever you choose.



From fun in the sun to a blast in the snow, a recreational loan will help you get the toy to make it possible.


Share Secured

The Share Secured Loan is a low interest loan designed to help build your credit.



Apply for a line of credit loan that is only used for overdraft protection on your checking.  When needed, funds in $10 increments will be transferred from the loan to the checking.  There is no fee for the transfer at that time, no matter how much or how many times it transfers.  You only pay back the funds transferred and the interest on those funds.


Home Equity

Borrow against your home’s equity to help you when you need it.


Fixed-Rate Mortgage

Our credit union offers fixed-rate, Fannie Mae mortgages for 30, 20, 15 & 10 years. Although owned by Fannie Mae, servicing is done in-house and is never sold. We offer first-time home-buyer loans, as well as Rural Development mortgages, with as little as 0% down for qualifying buyers. We also offer construction loans.  Call today for more information and to get pre-qualified.


To learn more about our fixed-rate mortgages or begin the application process, visit:

 Community First FCU Mortgages  


In accordance with NCUA regulations the following individuals are authorized on behalf of Community First Federal Credit Union which has the company NMLS #451322 to underwrite mortgage loans:


Loan Officer NMLS ID #
Timothy G Rasmussen 583476
Vicky L Kain 583477
Sally S Nieto 583475
Michelle L Archibald 999527
Rebecca J Harris 435130
Miranda L Carr 1222272
Sally J Wade 1573523
Jennie M Mayfield 1659962
Gina M Ridolphi 1689908
Lynnsey M Ellafrits 1784474
Robin L Olmstead 1784244
Sara L Parker 1785255
Tara D Davidson 2030701

Loan Insurance

GAP Insurance

For a one-time fee of $399.00, this insurance will pay off any outstanding loan balance after payment by your insurance company on a totaled vehicle. It will also give you $1,000.00 towards your next vehicle, if you finance it through Community First Federal Credit Union.

Disability or Life Insurance

We offer Disability or Life Insurance on all of our in-house loans. Conditions apply, please contact a loan officer for details.