Resources

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
  • Search ‘Community First FCU’ in your app store and look for our logo
  • Download here:
  • 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.

Visit Greenpath’s website to learn about money management.  Greenpath’s counselors will help you with debt repayment, budgeting, or bettering you credit score.

Or for some quick tips, check out their newsletter by clicking here.

  • Balancing/Research
    • $10.00/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
    • $15.00
  • 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: $650.00
    • Rewrite: $250.00
  • Portfolio Mortgage Processing Fee
    • $650.00
  • Construction Loan Processing Fee
    • $750.00
  • 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
    • $10.00
  • 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
    • $10.00/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
What does CFFCU do with your personal information flyer page 1
What does CFFCU do with your personal information flyer page 2

Savings Rates - Effective Saturday, January 1, 2022
APYMinimum
Deposit		Minimum
Balance
REGULAR SHARES0.02% $10
REGULAR SHARES0.02% $2500.01
REGULAR SHARES0.02% $10000.01
REGULAR SHARES0.02% $25000.01
CHRISTMAS CLUB0.02% $0
VACATION CLUB0.02% $0
CHECKING0.02% $1000
MONEY MARKET DRAFT0.07% $2500
MONEY MARKET DRAFT0.1% $10000
MONEY MARKET DRAFT0.15% $25000
SUB SHARES0.02% $0
SUB SHARES0.02% $2500.01
SUB SHARES0.02% $10000.01
SUB SHARES0.02% $25000.01

Loan Rates - Effective Tuesday, January 25, 2022
Loan TypeRates as low asTerms & Information
2022 New Vehicle Loan » 2.74% 60 M Great Rates on New Cars
2018-2021 Used Auto » 3% 60 M Enjoy hometown service with a great rate on a like new auto!
2017 Used Auto » 5% 60 M Great Rates on Used Cars
2016 Used Auto » 5.5% 60 M Great Rates on Used Cars
2015 Used Auto » 5.75% 54 M Great Rates on Used Cars
2014 Used Auto and Older » 6.25% 48 M Great Rates on Used Cars
Credit Cards 9.9% 0 M 1% Cash Back Rewards and More!
Home Equity Loan 4.5% 0 M Tap into your house's equity and save money
Unsecured Signature Loan » 9.5% 36 M using only your signature for collateral!
Recreational/Equipment-New » 4% 60 M Boats, ATVs, etc | Equipment Loan to Help Your Business Grow
Recreational/Equipment-Used » 4.5% 48 M Boats, ATVs, etc | Equipment Loan to Help Your Business Grow

Certificate Rates - Effective Tuesday, January 25, 2022
Certificate TermAPYMinimum Deposit
12 MONTH CD0.2%$100
24 MONTH CD0.35%$100
36 MONTH CD0.5%$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.