Become a Member

A Message from CEO Scott Johnson

To All of Our Members:

Since 1959, Community First has served the members of our communities by offering excellent financial products combined with outstanding service. Unlike a for profit bank, credit unions operate with one simple philosophy at our core, which is “People Helping People”. Our goal is not to enrich the wealth of shareholders of publicly traded securities. Our mission is and remains firmly centered on serving and enriching the financial well-being of the residents who live, work, and worship in Sonoma, Marin, Napa, Lake, and Mendocino counties. Our mission is to serve the needs of Main Street, not Wall Street.

I suspect you may have read or heard about the recent failure of 2 large US banks. Those institutions were heavily concentrated in venture capital firms, fintech startup companies, and crypto-currency markets. Community First does not serve nor have any affiliation with these markets. We serve our local members who value a banking relationship aligned with the mission of a local owned cooperative firmly committed to the communities we serve.

Our motto is “Here For Good” and I wanted to take a moment and reiterate the value of banking with a safe, sound, and reliable local financial cooperative. Your credit union is fiscally strong and maintains regulatory capital well in excess of the regulatory standards for a “well-capitalized” credit union. Because of our loyal members, our regulatory capital increased in 2022. That fiscal strength allows us to continue to invest in new services for our members. We have some exciting things to share with you this summer about what your credit union is doing to make your banking experience even better. Finally, our member deposits are federally insured by NCUA (National Credit Union Administration). If you’d like to learn more, you can visit the NCUA website.

While our motto is “Here For Good”, we are “Here For You” whenever you and the communities we serve need us.

Scott Johnson - CEO

Current Rates

View All Rates

Auto Loan
as low as


Personal Loans
as low as


Visa® Credit Cards
as low as


Here for Good

Since 1959 we have been distinctively different from a bank. In fact, our charter REQUIRES us to do good –– for Members, their kids, their schools, and their communities. By banking with Community First, not only do you get lower rates and lower/fewer fees, but your locally earned dollars STAY LOCAL. That helps you and the local economy where you live, and not Wall Street profiteers.

In your Community

We have 11 branches staffed by friendly CFCU'ers. Plus, we were named one of "The Best Places To Work" by North Bay Business Journal! The e-conveniences we pioneered set us apart as the top locally based bank or CU. With us you can enjoy, contactless cards, our 24/7 banking bot, Maggie, smartphone app, and complete Spanish language site.

Home Page

Download the App

Pay bills, deposit checks, and manage your CFCU accounts right from your phone