Going Local Gets You More!

When you bank with Community First you – and the local economy – come out ahead.

You get more (money and conveniences) by banking locally. The local community where you live gets more because your locally earned deposits are reinvested right back in the local economy. This helps to retain and create jobs where YOU live.

Come to Community First for selfish reasons, to keep more green in your wallet. That's cool. After all we have better deposit and loan rates than the giant Wall Street banks, and our fees are fewer, lower or nonexistent to theirs. We also offer more convenience: more free ATMs nationally than any bank, 7,200 shared locations to bank, online and smartphone banking, free bill pay ... and more.

Or come to us to keep the North Bay economy vibrant as Community First reinvests its deposits exclusively in the local economy.

It matters where you park your money.

A bank is owned by shareholders, people who own its stock. More often than not stockholders are not customers of that bank. But they want their stock to increase in value –– that is the very reason they bought it! The primary role of any bank CEO is to increase profits, by whatever means, so the stock price continues to rise.

The role of the CEO of Community First, a not-for-profit financial cooperative, is to create wealth for its Members and the community where they live.

Managers at any national bank want to get the best return for every deposited dollar, wherever they can get it. Your locally earned North Bay dollar might be used to build a townhouse in Texas or an oil derrick in Dubai. That helps the economy –– there. But not where YOU live.

At Community First, your dollars stay in the local economy. Helping your friends, neighbors, local government services, building a tax base –– in your back yard.

At Community First, we even buy our paper, office supplies and furniture locally. We use only local accountants, local media, local sign-makers and local printers.

The local economy actually gains wealth when you bank at Community First. You gain wealth, too!

Largest nat'l network of FREE ATMs — 30,000 — and over 7,200 shared-branch locations!

Visit a Community First Credit Union location, get directions or find our hours of operation.