Local Savings

Certifiably the best way to grow your savings

Give your money a better home than your sock drawer

Invest in your future self while giving your current self a tax break!

Why choose between high returns and easy access?

Trade in your piggy bank for a high-interest account

Reach Out Today

High Earning Savings

Saving up money for today, or tomorrow - it's the single most common reason for becoming a Member of Community First. And it's a good reason.

Open your membership with a Prime Share Savings Account

money bill icon
Low starting deposit. You can open an account today with only $25
icon of arrow going down
Only a $25 balance required to open and maintain your account. Start earning interest on balances of only $100 and over!
percentage icon
No monthly fee. That's right: pay ZERO to maintain your account
bank icon
Convenient Access--transact at over 30,000 network ATMs
pricetag icon
Automated discounts at lots of locally owned businesses

Steady stream of earnings

Your IRA investments generate monthly returns

Minimal annual fee

You can open an account with any CFCU savings or certificate program

Low opening contribution

$100 required to open an IRA account

Minimal annual fee

$5/year to maintain the IRA account

Flexible contributions 

You have the option to contribute via "lump sums" or by regular deposits

Federally insured

NCUA insures each IRA up to $250,000

A safe haven for your hard-earned money

Earn more with Community First

Scroll through our deposit accounts, and check out the benefits and conveniences that come with Community First Membership. Come into your closest branch or give us a ring, and we'll help you get started!

Traditional IRA

Delay taxes on your earnings until withdrawal. Certain contributions may be tax deductible in the year they're made. Double savings!

Roth IRA

Access tax-free withdrawals for certain distribution reasons after a five-year holding period. Non-deductible contributions are taxed when earned, but members in a higher tax bracket upon retirement may benefit more. Plus, no requirement to begin taking distributions at age 70½.

Current contribution limits and FAQs from the IRS
We offer better rates than the banks.
We’re a not-for-profit, which means we return profits to YOU - and not to stockholders or for an executive to buy his third beach house.
We have a variety of savings programs because people are, well, different. They might be at different life stages or have different wants, needs or dreams.

Certificate of Deposit Rates

Great rates, like Northern California wine, only get better with age

Term
Rate3
APY4
6 months
4.602%
4.70%
12 months
4.506%
4.60%
18 months
3.928%
4.00%
24 months
3.687%
3.75%
36 months
3.445%
3.50%
48 months
2.960%
3.00%
60 months
2.960%
3.00%
Effective:  

Not the right savings for you?

Don't worry, we have a lot more!

Youth Saver

For those under 18 who want to earn as much as 7.07% on their savings. We bet your piggy bank can't do that!

Certificates of Deposit

Looking for an easy investment! With flexible terms and great rates, a certificate is the obvious choice.

IRA

It's never too early to start thinking about retirement. Plan for your future with us.

Money Markets

The best no-strings-attached investment. Great rates, multiples tiers, and access to your money whenever you want.

Money Market Rates

Minimum Deposit
Rate1
APY2
$100
0.747%
0.75%
$1,000
0.747%
0.75%
$10,000
0.747%
0.75%
$50,000
0.797%
0.80%
$100,000
0.995%
1.00%
$150,000
0.995%
1.00%
$250,000
0.995%
1.00%
$500,000
0.995%
1.00%
$1,000,000
1.144%
1.15%
Effective:  

Want to earn even more?

Earn up to 1.50% APY with our Advantage Money Markets!

Qualify for these higher rates with:

  • Auto or Real Estate Loan
  • Community First Credit Card
  • OR Local Advantage PLUS Checking Account

Advantage Money Market Rates

Minimum Deposit
Rate1
APY2
$10,000
0.995%
1.00%
$50,000
1.243%
1.25%
$100,000
1.243%
1.25%
$150,000
1.292%
1.30%
$250,000
1.391%
1.40%
$500,000
1.490%
1.50%
$1,000,000
1.490%
1.50%
Effective:  

Ready to start saving?

Reach out to us today to take the first step!

Related Articles

different stacks of money with green sprouts at the top
Savings and Investments

The Basics of CDs

New to certificates? Explore how this easy investment has guaranteed returns, and flexible terms. Learn more now!

man banking online
Savings and Investments

Interest Calculator

Interest plays a role in almost all aspects of personal finance, including savings, investing, credit, and loans. Banzai provides a simple/compound interest calculator so you know exactly what you'll be earning!

Related Articles

savings jar with gold coins stacked around it
Savings and Investments

Savings Accounts

A Savings account can help you reach a variety of financial goals. Click to explore the most common types of savings available to you at CFCU.

man banking online
Savings and Investments

Account Insurance

With all the ups and downs in the financial world, it can be scary to leave your funds in a credit union. Click to learn more about how we keep your money safe

Savings Calculator

Adjust the inputs to see how much your monthly savings contributions will grow with interest.

Starting amount
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Monthly savings
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
years to save
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
interest rate
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Calculate
You could save
$23,225
interest earned
$64,225
total saved

Related Articles

stacks of blocks at different heights
Savings and Investments

Money Market Accounts

There are many options for keeping your money safe and earning a little extra from interest. Like a savings account or CD, a money market is a great option to park your money in and earn interest along the way.

pair of hands making three different stacks of coins
Savings and Investments

Portfolio Building

Banzai provides a financial wellness assessment designed to analyze your spending, budgeting, and saving to see if you are on track to achieve your goals.

Related Articles

savings jar with gold coins stacked around it
Savings and Investments

Individual Retirement Accounts

There can be a lot to consider when planning for retirement. Learn how to choose which account is right for you!

a dollar bill propped upright facing the camera
Savings and Investments

Early Withdrawals From Retirement Savings

Whether you find yourself laid off from work, facing a medical emergency, or confronted with a situation that you’re financially unprepared for, it may be tempting to withdraw from retirement savings—but there are penalties and consequences you need to consider before doing so.

Related Articles

two pairs of hands holding coins
Education

Teaching Children About Money

Set your child up for success with a YouthSaver Account and the knowledge they need to manage their money. Our financial wellness partner Banzai goes over methods to teach your children the ins and outs of spending, saving, and investing.

graduate smiling at the camera
Education

College Budgeting

College isn't usually one big expense, but a lot of different costs to consider as you chase that degree. Find out how much you need to budget with an interactive calculator and tips on what you may need to save for.

Illustrated hand holding cellphone with digital banking open

Local on the Go

Check your balance, transfer funds, deposit money, and manage your cards all from the palm of your hand with online banking

Disclosures

*YouthSaver rate is 7.07% APY when paired with an adult with Local Advantage Plus Checking cosign.
Youthsaver rate applies to first $500; default to Prime Share savings rate on those monies above $500.

Disclosures

3) Anticipated dividend; variable rate & subject to change. 4) Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings.

Disclosures

1) Rates subject to change without notice. 2) Certain restrictions apply. APY = Annual Percentage Yield. Fees may reduce earnings. Minimum balance of $100 to earn dividends. Advantage Money Market also requires Local Plus Checking Account, Auto Loan, Real Estate Loan, or CFCU Credit Card

Disclosures

*As always, consult your tax advisor for what's best for your unique circumstances.