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

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Low starting deposit. You can open an account today with only $25
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Only a $25 balance required to open and maintain your account. Start earning interest on balances of only $100 and over!
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No monthly fee. That's right: pay ZERO to maintain your account
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Convenient Access--transact at over 30,000 network ATMs
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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
4.889%
5.00%
12 months
4.650%
4.75%
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!

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Savings Calculator

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

Starting amount
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Monthly savings
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years to save
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interest rate
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Calculate
You could save
$23,225
interest earned
$64,225
total saved

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Education

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College Budgeting

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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.