There is a loan application fee of $30.00-60.00 for most loans. Tax Refund loans have an application fee of $75.00. Your credit report will be ran once you submit your loan application. For the application fee for Home Equity or Mortgages, please contact a loan officer at:


Lakeview Branch           989-352-6031

Howard City Branch     231-937-9400

Trufant Branch              616-984-9700

Morley Branch               231-307-3164  


Thank you for choosing Community First Federal Credit Union!



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
Teri L Kirby 704527
Lynnsey M Ellafrits 1784474
Robin L Olmstead 1784244
Sara L Parker 1785255


Insurance on Our Loans

We offer GAP insurance on our automobile loans.  For a one-time fee, 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 CFFCU.

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