Tools Resources

Savings, Money Markets, Checking, IRAs Rates

Effective APRIL 11, 2014

Account Type Min. Balance Rate1 APY2
Prime Share Savings $100 0.100% 0.10%
$1,000 0.100% 0.10%
$10,000 0.100% 0.10%
$50,000 0.100% 0.10%
Youth Saver (to age 20)
ask about our financial literacy program for your school
$50 6.851% 7.07%
(note: this rate applicable to
1st $500 ONLY)
Money Markets $100 0.100% 0.10%
$1,000 0.100% 0.10%
$10,000 0.100% 0.10%
$50,000 0.100% 0.10%
$100,000 0.150% 0.15%
Advantage Money Market
(highest earnings)
$10,000 0.100% 0.10%
$50,000 0.150% 0.15%
$100,000 0.200% 0.20%
Business Money Market $100 0.100% 0.10%
$1,000 0.100% 0.10%
$10,000 0.100% 0.10%
$50,000 0.100% 0.10%
$100,000 0.150% 0.15%
Plus Checking $1,000 0.050% 0.05%
Investor Checking $5,000 0.050% 0.05%
iChecking $1,000 0.050% 0.05%
IRA Shares $100 0.499% 0.50%
Holiday/Vacation Clubs $100 0.100% 0.10%

Certificate Account Rates

Effective APRIL 11, 2014

NOTE:  Unlike most banks and credit unions, these rates below DO NOT REQUIRE AN ACTIVE (OR ANY) CHECKING ACCOUNT. We do not penalize (or try to trick) you for not having an active checking account at Community First.

Minimum Deposit Term Rate3 APY4
$1,000 – Saver Certificate
No games, no teaser rates for “new” money.
We reward existing Members
3 months 0.030% 0.03%
6 months 0.050% 0.05%
9 months 0.100% 0.10%
12 months 0.150% 0.15%
18 months 0.200% 0.20%
24 months 0.300% 0.30%
36 months 0.449% 0.45%
$10,000 – Saver Certificate
Rates/yields highlighted in “vineyard harvest” red provide best bang for buck – at relatively short terms
3 months 0.050% 0.05%
6 months 0.100% 0.10%
9 months 0.150% 0.15%
12 months 0.200% 0.20%
18 months 0.250% 0.25%
24 months 0.350% 0.35%
36 months 0.499% 0.50%
$75,000 – Mini Jumbo
CFCU gives you the highest rates at only $75,000; the industry standard requires $100,000!
3 months 0.100% 0.10%
6 months 0.150% 0.15%
9 months 0.200% 0.20%
12 months 0.250% 0.25%
18 months 0.300% 0.30%
24 months 0.399% 0.40%
36 months 0.549% 0.55%

Notes

1) Anticipated dividend; variable rate & subject to change. 2) Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings. 3) Rates subject to change without notice. However, certificate rates remain fixed for term. 4) Unless otherwise stated, dividends will be credited to your account and compounded every month.

FREE access to 28,100 ATMs nationally (most in the biz) and 6,800 shared-branch locations!

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