Savings

A savings account is the first account you’ll open to become a member at Community First. Once you become a member, you will have complete access to all of our products and services.

Personal Membership Accounts

Age Requirement: 0-17

Requirements at Account Opening:

  • Social Security Number
  • Date of Birth
  • Mother’s Maiden Name
  • Physical Address
  • And ONE of the following documents:
    • Birth Certificate
    • Social Security Card
    • School Photo ID
    • Government Issued Photo ID
    • Insurance Card (with name listed)

Age Requirement: 18+

Requirements at Account Opening:

  • Social Security Number
  • Date of Birth
  • Mother’s Maiden Name
  • Physical Address
  • Government Issued Photo ID

Money Market Account

There is no minimum amount required to start a Money Market Account. The member has 30 days to achieve the required minimum balance of $2,500.00 before the service charge takes effect.

  • $10.00 fee if average month balance is below $2,500.00
  • $10.00 per transaction fee if over 6 transactions per month
  • $2,500.00 – $9,999.99
  • $10,000.00 – $24,999.99
  • $25,000.00+

Share Certificates

We are currently offering share certificates with dividends being paid quarterly to your savings account or back on your certificate. Please visit the Rates page for current interest rates.

Save to Win is a prized-link savings program. Members must be 18 years of age or older to participate. For more information: https://www.savetowin.org/

Individual Retirement Accounts (IRA)

Community First has both Traditional and Roth IRAs.  To learn more about the IRA options please visit the IRS website.

Health Savings Accounts (HSA)

A Heath Savings Account (HSA) is a tax exempt account established for paying medical, dental, and vision expenses. An HSA can serve as an investment or retirement account. You can accumulate funds to pay health expenses tax free. An HSA can cover expenses for individuals, spouses, and dependents.

For more information on HSA, please contact us.


Wednesday, November 23: ALL BRANCHES CLOSING AT 5 PM. Thursday & Friday, November 24 & 25: ALL BRANCHES CLOSED. We will be open normal business hours, Saturday, November 26. 24-Hour Online & Mobile Banking will be available.