Some loans aren’t easy to classify, that’s why we have personal loans. Get an installment loan, or a personal line of credit to meet your needs. Use your revolving overdraft line of credit to cover those occasional unexpected payments or purchases. We can tailor payments to suit you circumstances. Stop in and tak to us about your needs.
Community 1st Home Equity Loans provide convenient, flexible terms and very competitive rates. A Home Equity Loan, the interest on which may be tax deductible, can be used for home improvements, education, travel, auto purchase, or other pursuits.
Our variable-rate home equity line of credit is an open-end, revolving line of credit with an 8-year draw period and 7-year repayment term (15-year life of loan). There is no annual fee, and interest is paid only on the outstanding balance. It’s a good tool for life’s unexpected financial demands.
Share secured loans allow you to use the money in your share or share certificates as collateral for your loan. Your loan’s interest rate will be lower than regular consumer loan rates and it allows you to continue earning dividends on your share account or share certificates, as well as avoid withdrawal penalties.
Whether you are buying a new pickup or a used car for the kids, let Community 1st Federal Credit Union help you with the financing.
We will work with you to help make the financing of your new vehicle the best part of the buying experience!
If your dream is a recreational vehicle, let us help you get out of the home or office and on the road and into the Great Outdoors! Whether it is a motor home, camper, boat, ATV, or snowmobile, let us help you reach your dreams. We have terms up to 10 years depending on the amount of financing, great rates, and flexible payment options.
Whether you’re buying your first or your second home or you’re purchasing an investment property, Community 1st has a mortgage plan to fit your needs. Our financing plans plans include:
- Balloon mortgages for conventional residential loans
- Residential investment property financing
- Commercial real estate loans
- Lot and vacant land loans
- Agricultural real estate loans
- Home equity loans
Come into your nearest office to visit with a mortgage loan specialist.
| DIVIDEND | ||||
| RATE | APY* | |||
| S1 REGULAR SHARES** | 0.05% | 0.050% | 12 | |
| (The minimum membership share for this account is $10.00.) | The minimum membership share for this account is $10.00 | |||
| S2 SECONDARY SHARES | 0.05% | 0.050% | 12 | |
| S8 IRA SHARES – TRADITIONAL | 0.75% | 0.753% | 12 | |
| S28 IRA SHARES – ROTH | 0.75% | 0.753% | 12 | |
| S10 CHRISTMAS CLUB | 0.75% | 0.753% | 12 | |
| S50 PEEWEE PENGUIN | ||||
| First $500.00 | 5.00% | 5.116% | 12 | |
| Any Amount over $500.00 | 1.00% | 1.005% | 12 | |
| S51 FOR YOUNG INVESTORS | ||||
| First $500.00 | 5.00% | 5.116% | 12 | |
| Any Amount over $500.00 | 1.00% | 1.005% | 12 | |
| **Dividend rate declared for quarter ended June 30, 2026** | ||||
| Share Draft Accounts | ||||
| DIVIDEND | ||||
| RATE | APY* | |||
| S5 SHARE DRAFT | 0.10% | 0.100% | 12 | |
| S15 BENEFIT SHARE DRAFT | 0.10% | 0.100% | 12 | |
| Kasasas Reward Accounts | ||||
| ***No Minimum Balance Required | DIVIDEND | |||
| S12 Kasasa Saver – Savings Account | RATE | APY* | ||
| Qualified Rate: Up to $250,000 | 2.96% | 3.00% | 12 | |
| Qualified Rate: Any Amount over $250,000 | 0.25% | 0.25% | 12 | |
| Non-Qualified Rate: | 0.05% | 0.05% | 12 | |
| S13 Kasasa Cashback – Checking Account | ||||
| – No Interest Rate | ||||
| – Up to $10 Cash back/month | ||||
| S14 Kasasa Cash – Checking Account | ||||
| Qualified Rate: Up to $25,000 | 4.89% | 5.00% | 12 | |
| Qualified Rate: Any Amount over $25,000 | 0.25% | 0.25% | 12 | |
| Non-Qualified Rate: | 0.10% | 0.10% | 12 | |
| ***All Qualified accounts will Receive up to $25 refunds on ATM Fees*** | ||||
| Share Certificate Accounts | ||||
| MINIMUM ***$500*** | ||||
| DIVIDEND | ||||
| RATE | APY* | |||
| I6 6 MONTH CERTIFICATE | 3.75% | 3.815% | 12 | |
| I60 6 MONTH TRAD IRA CERTIFICATE | 3.75% | 3.815% | 12 | |
| I12 12 MONTH CERTIFICATE | 3.75% | 3.815% | 12 | |
| I81 12 MONTH REG IRA CERTIFICATE | 3.75% | 3.815% | 12 | |
| I28 12 MONTH ROTH IRA CERTIFICATE | 3.75% | 3.815% | 12 | |
| I18 18 MONTH CERTIFICATE | 3.75% | 3.815% | 12 | |
| I24 24 MONTH CERTIFICATE | 3.75% | 3.815% | 12 | |
| I30 24 MONTH ROTH IRA CERTIFICATE | 4.00% | 4.074% | 12 | |
| I80 24 MONTH REG IRA CERTIFICATE | 4.00% | 4.074% | 12 | |
| I36 36 MONTH CERTIFICATE | 3.00% | 3.042% | 12 | |
| I3 3 YEAR “BUMP” CERTIFICATE | 2.75% | 2.785% | 12 | |
| Tiered Interest Money Market (TIMM) Account | ||||
| Daily Balance | RATE | APY* | ||
| $1.00 – $999.99 | 0.00% | 0.000% | ||
| $1,000.00 – $24,999.99 | 0.75% | 0.753% | 12 | |
| $25,000.00 – $74,999.99 | 1.00% | 1.005% | 12 | |
| $75,000.00 – up | 1.25% | 1.257% | 12 | |
| Dividends are compounded monthly. No fees are associated with the TIMM account. | ||||
| * APY = Annual Percentage Yield | ||||
| Thank you for inquiring on our rates. | ||||
| Member | ||||
| NCUA | ||||
| Share Accounts | ||||
| DIVIDEND | ||||
| RATE | APY* | |||
| S1 REGULAR SHARES** | 0.15% | 0.150% | 12 | |
| (The minimum membership share for this account is $10.00.) | The minimum membership share for this account is $10.00 | |||
| S2 SECONDARY SHARES | 0.50% | 0.501% | 12 | |
| S8 IRA SHARES – TRADITIONAL | 0.75% | 0.753% | 12 | |
| S28 IRA SHARES – ROTH | 0.75% | 0.753% | 12 | |
| S10 CHRISTMAS CLUB | 0.75% | 0.753% | 12 | |
| S50 PEEWEE PENGUIN | ||||
| First $500.00 | 5.00% | 5.116% | 12 | |
| Any Amount over $500.00 | 1.00% | 1.005% | 12 | |
| S51 FOR YOUNG INVESTORS | ||||
| First $500.00 | 5.00% | 5.116% | 12 | |
| Any Amount over $500.00 | 1.00% | 1.005% | 12 | |
| **Dividend rate declared for quarter ended June 30, 2025** | ||||
| Share Draft Accounts | ||||
| DIVIDEND | ||||
| RATE | APY* | |||
| S5 SHARE DRAFT | 0.10% | 0.100% | 12 | |
| S15 BENEFIT SHARE DRAFT | 0.10% | 0.100% | 12 | |
| Share Certificate Accounts | ||||
| MINIMUM ***$500*** | ||||
| DIVIDEND | ||||
| RATE | APY* | |||
| I6 6 MONTH CERTIFICATE | 3.75% | 3.815% | 12 | |
| I60 6 MONTH TRAD IRA CERTIFICATE | 3.75% | 3.815% | 12 | |
| I9 9 MONTH RATE SPECIAL | ||||
| I12 12 MONTH CERTIFICATE | 3.75% | 3.815% | 12 | |
| I81 12 MONTH REG IRA CERTIFICATE | 3.75% | 3.815% | 12 | |
| I28 12 MONTH ROTH IRA CERTIFICATE | 3.75% | 3.815% | 12 | |
| I90 15 MONTH RATE SPECIAL | ||||
| I18 18 MONTH CERTIFICATE | 3.75% | 3.815% | 12 | |
| I24 24 MONTH CERTIFICATE | 3.75% | 3.815% | 12 | |
| I30 24 MONTH ROTH IRA CERTIFICATE | 4.00% | 4.074% | 12 | |
| I80 24 MONTH REG IRA CERTIFICATE | 4.00% | 4.074% | 12 | |
| I36 36 MONTH CERTIFICATE | 3.00% | 3.042% | 12 | |
| I3 3 YEAR “BUMP” CERTIFICATE | 2.75% | 2.785% | 12 | |
| Tiered Interest Money Market (TIMM) Account | ||||
| Daily Balance | RATE | APY* | ||
| $1.00 – $999.99 | 0.00% | 0.000% | ||
| $1,000.00 – $24,999.99 | 0.75% | 0.753% | 12 | |
| $25,000.00 – $74,999.99 | 1.00% | 1.005% | 12 | |
| $75,000.00 – up | 1.25% | 1.257% | 12 | |
| Dividends are compounded monthly. No fees are associated with the TIMM account. | ||||
| * APY = Annual Percentage Yield | ||||
| Thank you for inquiring on our rates. | ||||
| Member | ||||
| NCUA | ||||
