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

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

Email: memberservices@cffcu.biz

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.

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

  • 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
    • $5.00
  • Please contact our IRA Specialist at 989.352.6031 ext 149 or khartline@cffcu.biz
  • 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
  • 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 Lakeview and Trufant branches only.

  • 3×5 (Lakeview & Trufant)
    • $25.00
  • 5×5 (Lakeview Only)
    • $30
  • 3×10 (Lakeview & Trufant)
    • $35.00
  • 5×10 (Lakeview Only)
    • $45
  • 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
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 Tuesday, January 24, 2023
APYMinimum
Deposit
Minimum
Balance
REGULAR SHARES0.05% $10
SUB SHARES0.05% $0
CHRISTMAS CLUB0.05% $0
VACATION CLUB0.05% $0
CHECKING0.05% $1000
MONEY MARKET DRAFT0.1% $2500
MONEY MARKET DRAFT0.15% $10000
MONEY MARKET DRAFT0.25% $25000

Loan Rates - Effective Friday, February 3, 2023
Loan TypeRates as low asTerms & Information
2023 New Vehicle Loan » 6.99% 60 M Great Rates on New Cars
2019-2022 Used Auto » 7.25% 60 M Enjoy hometown service with a great rate on a like new auto!
2018 Used Auto » 9.25% 60 M Great Rates on Used Cars
2017 Used Auto » 9.75% 60 M Great Rates on Used Cars
2016 Used Auto » 10% 54 M Great Rates on Used Cars
2015 Used Auto and Older » 10.5% 48 M Great Rates on Used Cars
Credit Card » 9.9% 36 M 1% Cash Back Rewards and More!
Home Equity Loan 7.125% 0 M Tap into your house's equity and save money
Unsecured Signature Loan » 11.75% 36 M using only your signature for collateral!
Recreational/Equipment-New » 8.25% 60 M Boats, ATVs, etc | Equipment Loan to Help Your Business Grow
Recreational/Equipment-Used » 8.75% 48 M Boats, ATVs, etc | Equipment Loan to Help Your Business Grow

Certificate Rates - Effective Friday, February 3, 2023
Certificate TermAPYMinimum Deposit
12 MONTH CD0.7%$100
24 MONTH CD0.75%$100
36 MONTH CD1%$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.


Monday, February 20: ALL BRANCHES CLOSED. We will be open normal business hours, Tuesday, February 21. 24-Hour Online & Mobile Banking will be available.