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! Receive monthly emails about point balances and receive notification when points are about to expire. Visit to learn more.

Looking to switch your account over to Community First Federal Credit Union? Use the attached switch kit to make the hassle of switching from one financial institution to another easier.

CFFCU Switch Kit


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! Receive monthly emails about point balances and receive notification when points are about to expire. Visit to learn more.

  • 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:
  • Our Mobile App offers Remote Deposit Capture to deposit your checks to qualified members
  • Members can also signup for our Cash Back Rewards Program, submit Limit Changes and Travel Notifications, LoanPay Xpress, and more!

To activate your Debit or Credit Card please call 800-466-0040

During business hours, please call any one of our branches:


After CFFCU is closed, please call:

• Debit Cards: 888-241-2510

• Credit Cards: 888-241-2510 (within the US), 909-941-1398 (outside of the US)

Remote Deposit Capture (RDC) is a free service to our members who qualify. You can deposit your checks right on our Mobile App! See more here

If you meet the following criteria, you may be approved to begin using Remote Deposit Capture:

  • At least 16 years of age
  • Account and loan must be in good standing
  • No charged off accounts with the Credit Union
  • Membership at CFFCU for at least 30 days
  • Must have a valid mailing address on file at the Credit Union
  • Must have a valid email address on file at the Credit Union
  • Must have a valid phone number on file
  • Must maintain an average balance of $100

*Approval for the service is subjected to CFFCU’s criteria and is not guaranteed in any way. You cannot deposit more than one check during a single transaction. However, you may make multiple transactions in one day.

With this on-demand posting, Community First is now able to post your pending ACH deposits early for a $5 fee.

With LoanPay Xpress you can now pay your CFFCU loan payment with an outside credit/debit card or checking/savings account. Setup your payment here

After enrolling, click “Send New Payment”. Fill out the name of the recipient along with their email address or mobile phone number. This will then send them a notification allowing them to securely input their banking information. Payments normally post in 1-2 business days.

  • Phone Number: (800) 860-5704
  • Credit Union Access Code: 048
  • PIN: Last 4 digits of main account owner’s Social Security Number

You trust your credit union to bring your products and services that will save you time and money.  That’s why we’ve partnered with TruStage Auto & Home Insurance Program through Liberty Mutual Insurance.  This program provides discounted rates for credit union members, online services and 24/7 claims service.

Michelle Frey – Community First Insurance Representative

Contact Michelle to request a quote, book an appointment, and more here

A one-stop website at 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 news articles by clicking here.

• 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)
  • Checks
    • $24.00
  • 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
    • $5.00
  • Please contact our IRA Specialist at 989.352.6031 ext 149 or
  • Credit Reference Information
    • $10.00
  • Loan Processing Fee
    • Up to $200.00
  • Home Equity Processing Fee
    • Initial: $700.00
    • Rewrite: $250.00
  • Construction Loan Processing Fee
    • $900.00
  • Late Fee (15-day grace period)
    • $25.00
  • $20 Application Fee
    • Payday Loans
    • Single Pay Notes
    • Holiday Loans
    • Tax Loans
    • Any Loan $2,000 or Under
  • 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
  • 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)
    • $10.00
  • 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 Lakeview and Trufant branches only.

  • 3×5 (Lakeview & Trufant)
    • $25.00 Annually
  • 5×5 (Lakeview Only)
    • $30 Annually
  • 3×10 (Lakeview & Trufant)
    • $35.00 Annually
  • 5×10 (Lakeview Only)
    • $45 Annually
  • Membership Enrollment
    • $10.00
  • Christmas/Emergency Savings/Vacation Club Early Withdrawal/Closing
    • $5.00
  • Money Market Withdraws over 6 per month
    • $10.00
  • Domestic
    • $15.00
  • Foreign
    • $35.00
  • Incoming
    • No fee

Savings Rates - Effective Friday, March 31, 2023
SUB SHARES0.05% $0
CHECKING0.05% $1000

Loan Rates - Effective Monday, May 27, 2024
Loan TypeRates as low asTerms & Information
2024 New Vehicle Loan » 7.49% 60 M Great Rates on New Cars
2020-2023 Used Auto » 7.75% 60 M Enjoy hometown service with a great rate on a like new auto!
2019 Used Auto » 9.75% 60 M Great Rates on Used Cars
2018 Used Auto » 10.25% 60 M Great Rates on Used Cars
2017 Used Auto » 10.5% 54 M Great Rates on Used Cars
2016 Used Auto and Older » 11% 48 M Great Rates on Used Cars
Credit Card 11.9% 36 M 1% Cash Back Rewards and More!
Home Equity Loan 7.875% 0 M Tap into your house's equity and save money
Unsecured Signature Loan » 12.25% 36 M using only your signature for collateral!
Recreational/Equipment-New » 8.75% 60 M Boats, ATVs, etc | Equipment Loan to Help Your Business Grow
Recreational/Equipment-Used » 9.25% 48 M Boats, ATVs, etc | Equipment Loan to Help Your Business Grow

Certificate Rates - Effective Monday, May 27, 2024
Certificate TermAPYMinimum Deposit
6 MO CD4.25%$500
9 MO CD4.55%$500
12 MONTH CD4.5%$500
18 MONTH CD2.5%$100
24 MONTH CD4.25%$500
36 MONTH CD4%$500

Please visit 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 to request your credit report.

What does CFFCU do with your personal information flyer page 1
What does CFFCU do with your personal information flyer page 2

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.

Chatbot & Live Agent

Chatbot Monte-When using the Community First AI Chatbot, Monte, Community First does keep a record of all conversations to help improve it’s performance. Names are not provided, nor recorded, thus member’s interaction with Monte is confidential.

Live Agent-When using the Community First Live Agent you are interacting with a live Community First representative. Community First will collect and record any personal data that is voluntarily given.

Chatbot & Live Agent Disclaimer

The following disclosure is required by the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act).

     By accepting this disclosure, you are agreeing to receiving disclosures and notices on your account(s) electronically. This includes, but is not limited to statement copies, cleared check copies, account notices, credit report copies, etc. If you do not wish to consent to this disclosure, these documents will be mailed to you. By agreeing to electronic delivery of disclosures and notices, you agree to provide us with a valid email address, as well as keep us updated with any changes in account information by contacting us at the phone number or email address listed below.

Community First Federal Credit Union

Phone: 989-352-6031


Request of Paper Copies:

     Even after accepting to receive electronic disclosures and notifications, you have the right to receive a paper copy of these disclosures and notices related to your account(s) at your request. If at any time you would like to receive a paper copy of a disclosure or account notice on your account(s), please contact us at the information provided above.

Withdrawal of Consent:

     Should you no longer wish to receive electronic disclosures and notifications you may withdrawal your acceptance at any time by contacting us by email or phone at the information provided above.

Hardware and Software Requirements:                        

  • A personal computer or device that can access the Internet.
  • An Internet browser that is capable to support a minimum of 128-bit encryption.
  • Software that permits you to receive, access, and print PDF files such as Adobe Reader (version 8.0 or above)

Changes/Termination of Delivery

    Community First reserves the right, at our discretion to make changes or discontinue the electronic delivery of such account information at any time. Should a change occur, we will provide you with notice of the change or termination as required by law.

Monday, May 27, 2024: ALL BRANCHES CLOSED. 24 hr ATM and Online/Mobile Banking services will still be available. We will be open normal business hours on Tuesday, May 28.