Login
Earn everyday points with your Community First debit and credit card. Redeem points from reward categories including cash back, gift cards, merchandise, travel, experiences and more! Visit dreampoints.com/cffcu to learn more.
Patriot Act
To help the U.S. government fight the funding of terrorism and money laundering activities, Federal law requires all U.S. financial institutions to obtain, verify, and record information that identifies each individual or institution that opens an account.
What this means: When opening an account, we will ask for your name, address, date of birth, proof of citizenship and other identification information that might be needed. This information will be used to verify your identity. As appropriate, we may, in our digression, ask for additional documentation or information.
External Links
To assist members in accessing information not maintained on this site, the Community First Federal Credit Union provides links to other Internet addresses. Be advised that:
- By clicking on any link to other Internet addresses, you are leaving the CFFCU’s web site;
- You are linking to an alternate web site not operated by the CFFCU;
- The CFFCU is not responsible for the content of the alternate website;
- The CFFCU does not represent either the third party or the member if the two enter into a transaction;
- Privacy and security policies may differ from those practiced by the CFFCU.
- Please visit our Qualifications page to see if you qualify for membership at Community First
- Phone Number: (800) 860-5704
- Credit Union Access Code: 048
- PIN: Last 4 digits of main account owner’s Social Security Number
- If you lost your debit/credit card during business hours, please call: (989) 352-6031
- if you lost your debit/credit card after business hours, please call: (888) 241-2510
A one-stop website at LoveMyCreditUnion.org offers exclusive, credit union prices and rewards, with popular programs like Carvana, TurboTax, and more.
• Make sure you’re using the correct Mobile App. In your App Store/Play Store search Community First FCU. We should be the first app listed. Here is our logo:
• Always stick to using cellular data/home wifi on your phone if you need to access your financial accounts instead of a public guest wifi
• Keep your operating system of your phone and your apps up to date
• Don’t store login information on your phone in notes, etc. Members can take advantage of the built in MACO (Multiple Authentication Convenience Options) features on the app if desired
• Use a secure complex password
• Password protect your phone. Use a password on your lock screen or facial/fingerprint recognition
• Take advantage of Manage My Cards and eAlerts on our mobile app and get notifications about account activity
- Balancing/Research
- $15.00/hour (minimum 1 hour)
- Foreign Draft
- $ Varies based on current conversion
- Overdraft Protection Transfer >$10.00
- $5.00
- Non-Sufficient funds (NSF)
- $30.00
- Special Services-Collections
- $10.00
- Stop Payment
- $30.00
- Replacement Debit/ATM Card
- $10.00
- Re-Issued Card/New PIN
- $5.00
- Contact IRA Specialist
- Credit Reference Information
- $10.00
- Loan Processing Fee
- Up to $45.00
- Home Equity Processing Fee
- Initial: $700.00
- Rewrite: $250.00
- Construction Loan Processing Fee
- $900.00
- Late Fee (15-day grace period)
- $25.00
- Payday Loan
- $20.00
- Extension
- $30.00
- Pay by phone with Credit Card
- $1.00-$499.99: $10.00
- $500.00-$999.99: $20.00
- $1000.00-$1500.00: $30.00
- Replacement Credit Card
- $10.00
- Deposited Item Returned to CU
- $15.00
- Gift Cards
- $3.00
- Reloadable Prepaid Cards
- Initial: $12.00
- Reload: $5.00
- Fax/Email Charge
- $1.00/page
- Foreign Fax
- $10.00/page
- Incoming Fax
- $0.10/page
- Copies
- $0.25/page
- Money Orders
- Members: $2.00
- Cashier’s Check
- Members: $2.00
- Notary Public Services
- Members: Free
- Non-Members: $1.00/page
- Dormant Account Fee (after 18 months)
- $5.00
- Garnishment
- $50.00
- Return Statement Fee
- $5.00
- Close/Reopen Account within 6 months
- $5.00
- Coin Machine
- Members: 4%
- Non-Members: 8%
- Phone Transfer
- Up to $1.00
- Research
- $15.00/hour (1 hour minimum)
Safety Deposit Boxes are located at our Trufant branch only.
- Small (3×5)
- $25.00
- Large (3×10)
- $35.00
- Membership Enrollment
- $10.00
- Christmas/Vacation Club Early Withdrawal
- $5.00
- Money Market Withdraws over 6 per month
- $10.00
- Money Market Balance below $2,500 per month
- $10.00
- Domestic
- $15.00
- Foreign
- $35.00
- Incoming
- No fee
Account Type APY Minimum
DepositMinimum
BalanceREGULAR SHARES 0.02% $10 REGULAR SHARES 0.02% $2,500 REGULAR SHARES 0.02% $10,000 REGULAR SHARES 0.02% $25,000 CHRISTMAS CLUB 0.02% $0 VACATION CLUB 0.02% $0 CHECKING 0.02% $1,000 MONEY MARKET DRAFT 0.07% $2,500 MONEY MARKET DRAFT 0.1% $10,000 MONEY MARKET DRAFT 0.15% $25,000 SUB SHARES 0.02% $0 SUB SHARES 0.02% $2,500 SUB SHARES 0.02% $10,000 SUB SHARES 0.02% $25,000 Loan Type Rates as low as Terms & Information 2022 New Vehicle Loan »
3.24%
Great Rates on New Cars
2018-2021 Used Auto »
3.5%
Enjoy hometown service with a great rate on a like new auto!
2017 Used Auto »
5.5%
Great Rates on Used Cars
2016 Used Auto »
5.75%
Great Rates on Used Cars
2015 Used Auto »
6%
Great Rates on Used Cars
2014 Used Auto and Older »
6.75%
Great Rates on Used Cars
Credit Card »
9.9%
1% Cash Back Rewards and More!
Home Equity Loan
6.5%
Tap into your house's equity and save money
Unsecured Signature Loan »
8.75%
using only your signature for collateral!
Recreational/Equipment-New »
4.5%
Boats, ATVs, etc | Equipment Loan to Help Your Business Grow
Recreational/Equipment-Used »
5%
Boats, ATVs, etc | Equipment Loan to Help Your Business Grow
Certificate Term APY Minimum Deposit 12 MONTH CD 0.2% $100 24 MONTH CD 0.35% $100 36 MONTH CD 0.5% $100
Please visit www.mycreditunion.gov to learn more about credit unions, how to protect your finances, and for financial tools and resources.
You have the ability to receive your credit report from each of the three credit reporting bureaus. The credit reporting bureaus are experian, TransUnion, and Equifax.
Visit www.annualcreditreport.com to request your credit report.