A High Yield Savings account can help your money grow faster—especially if you know how to use it well. Here are five simple ways to make the most of every dollar and every percentage point!

Max that cash: How to the get the most from your High Yield Savings

High Yield Savings Tips: You’ve made a smart move—now let’s make it even smarter.

 is a great way to grow your money faster with minimal risk. But just opening the account isn’t enough. To really maximize those returns, a few smart habits can go a long way.

Here’s how to make your HYSA work harder—for today, tomorrow, and your big dreams down the road.

Set it and forget it! Automating a regular deposit into your High Yield Savings—whether it’s $10 or $100 a week—helps build your balance consistently without having to think about it. Even small, steady contributions can add up fast thanks to compound interest.

To see how easy it can be, try taking our 

. By starting out small and building from there, it’s designed to automatically save you $1,378 over the course of the challenge without breaking a sweat!

 to send the spare change from every debit card purchase directly into your High Yield Savings. It may not seem like much, but every penny you rescue from the couch cushions—and stash safely in your High Yield Savings account—adds up.

Beyond just a savings account, think of High Yield Savings as a springboard to even more.

 is special. It gives you a consistent 10% APY on your first $1,000. Plus, it offers a higher rate beyond your first thousand AND two ways to earn through both interest and a membership dividend.

That means it’s good for building cash fast and setting you on track for a nest egg that can generate even more earnings with higher-wealth accounts, like a Money Market or a CD.

How’s that math work? Generally, our High Yield is best to get you to about $8,000. At that point, transfer it to a 

 for even better returns and more flexibility.

4. Watch for fees that cancel out your gains

Not all savings accounts are created equal. Some accounts with “high” rates sneak in fees that eat away at your earnings. At Community Financial, we believe your savings should actually save you money—with no maintenance fees or tricky fine print.

Rates are great—but your goals matter more. If you’re a member, talk to one of our free financial advisors to align your savings strategy with what you want most. Whether that’s financial freedom, a new home, or just more peace of mind, we’re here to help you map it out.

Not a member yet? Open a High Yield Savings to 

You’ve got dreams. We’ve got the tools—and the 

 to match. Ready to make your money work harder? Let’s grow!

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Got five minutes and five bucks? You can start boosting your savings now!

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Start your savings journey today 

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Looking to make your Impossible Dreams possible? Your membership can help make it happen!

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Max that cash: How to get the most from your High Yield Savings

Read about how CFCU has once again earned a top-ten spot in Forbes list of best credit unions in Michigan.

Forbes names CFCU one of the best credit unions for the second year in a row.

How we made the Forbes Best-in-State list for a second year in a row
(Spoiler: It’s all you)

 isn’t about having the fanciest app or the biggest billboard. It’s about trust. It’s about showing up for real people, in real communities, and making a real difference.

This award recognition was based on a nationwide survey of thousands of credit union members—folks who rated us on what actually matters: trust, service, transparency, advice, and that all-important human touch.

It also pulled in thousands of online reviews, showing how people 

Turns out, when you lead with heart and hustle, people notice.

This isn’t just about being the “best” credit union in Michigan

It’s about being our best for Michiganders like you, by…

Growing impact across Michigan—together

We believe in making Michigan stronger, better, and even more amazing through Belonging, and this honor is just more proof we’re on the right path. Let’s keep going!

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See what a bear, a factory, and the iconic Daisy air rifle have to do with igniting Impossible Dreams.

History

Our History

Membership has its perks—see what’s in it for you. From great rates to exclusive rewards, being a member means more. Check out all the ways we’ve got your back!

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Member Benefits

See all the communities we serve across our great state of Michigan.

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Discover how we make more of your money by raising up Michigan communities. 

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Back-to-Back Best-in-State? Yep. Thanks to you.

Crain’s Detroit Business honors Community Financial Credit Union’s president & ceo Tansley Stearns as a fearless force redefining what leadership in finance looks like.

Women Leading, Communities Thriving: Crain’s Names Tansley Stearns a Force in Finance

 Crain’s Detroit Business has named Tansley Stearns, president and ceo of Community Financial Credit Union (Community Financial), to its prestigious list of 2025 Notable Leaders in Finance. This recognition honors influential professionals who drive innovation in the financial sector while strengthening their communities.

Since stepping into her role, Stearns has redefined what it means to lead with both heart and strategy, championing initiatives that expand Community Financial’s positive impact across Michigan. Her people-first approach is visible in everything from groundbreaking financial tools to community programs that meet real needs.

Under her leadership, Stearns launched the 

campaign to support abuse survivors and introduced 

, a cashflow tool that has helped members save over $1 million. She has also led major fundraising efforts, raising $2 million for Children’s Miracle Network Hospitals through In the Cellar, established a financial relief program for cancer patients, and replaced roofs for families across Detroit. These initiatives reflect her commitment to building stronger communities—efforts that also contributed to Community Financial being recognized as one of America’s Best Credit Unions by Forbes.

“When the Community Financial Credit Union Board hired Tansley in June 2022, we were impressed by her vision for the potential of cooperative finance,” said Board Chairperson Teri Kuehn, “In three years, she has demonstrated a unique ability to dream and bring bold ideas to execution. We see even more potential for the future under her leadership. We welcome this opportunity to celebrate with her and the team and keep building toward even more impact together.”

Stearns’ commitment to purpose-driven leadership extends beyond her organization. She brought Crisis Text Line services to Northville Public Schools, expanded financial literacy efforts, and founded HERd, an annual event designed to amplify women's voices, financial health, and empowerment in the workplace. In 2024, her work earned her induction into the Herstory Exhibit at America’s Credit Union Museum, celebrating the contributions of women in the industry.

Through her 25-year credit union career, Stearns developed a leadership philosophy she calls “Cushion and Wings.” Cushions offer safety, connection, grace and empathy. Wings challenge people to innovate, speak boldly and imagine new possibilities. Stearns believes blending both concepts creates a culture where individuals thrive and organizations flourish.

Beyond her role at Community Financial, Stearns serves on numerous nonprofit boards, including In the Cellar, Inc.; Relentless Care Foundation; Michigan Humanities; Painted Hills; and Fostering Love Rescues.

Crain’s selects its Notable Leaders in Finance through a competitive peer nomination and editorial review process. Since launching the series in 2017, Crain’s has recognized more than 5,000 industry leaders who exemplify excellence, innovation, and impact. Read Tansley Stearns’ full profile now at 

. The story will also appear in Crain’s Detroit Business print edition on June 30.

The biggest "dill" in pickleball charity events is back for the second year with all new challenges to keep the goodness going!

The 2nd Annual Pickleball for Good: Can You Beat $91k?

After an outstandingly successful initial year with over 91k raised, The Relentless Care Foundation’s Pickleball for Good Fundraiser is back again and tickets are on sale now!

When people don’t have access to affordable housing, their only option is to take on an overwhelming financial burden. It’s a hard cycle to break—and an issue that goes beyond the individual level. It limits the flexibility and growth of our workforce, curbs community mobility, and can even push Michiganders out of their own communities.

More than a good time, we’re playing to do good for Michigan and all the folks who call this great state home. Sponsoring or attending the Pickleball for Good Fundraiser means supporting the RCF’s mission to bring housing within reach for more Michiganders, and to tackle our state’s largest economic barrier by doing so!

Just like last year’s event, we’ve made sure that there’s plenty going on for everyone—even if you’re not a pickleballer! Take a pickleball workshop or come play on the open, mixer, and challenge courts—or just swing by to enjoy the silent auction, strolling brunch, and 30-drink tap wall!

Never played? Don’t worry! Pickleball equipment is provided, and all skill levels are welcome!

Housing affordability isn’t something we can solve on our own, and support from our sponsors and individual donors is what makes every milestone possible. If you’d like to join us in working to make Michigan a place where everyone can prosper, 

you can sponsor our fundraiser or donate to the RCF right here!

Get your Pickleball for Good tickets today!

Wolverine Pickleball, Ann Arbor
Saturday, August 23 from 11 a.m. – 2 p.m.

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See how CFCU is sponsoring the Detroit Roller Derby, an all-women's flat track roller derby team in Detroit, Michigan.

CFCU Sponsors Detroit Roller Derby

Community Financial is proud to announce our partnership with 

Why do we love DRD? Because, while they bring grit, heart, and high-octane energy to every skate, hit, and high-five, their mission lines up perfectly with ours. Just like us, they’re all about Belonging, growth, and lifting each other up.

DRD welcomes players of all backgrounds, skill levels, and identities. It’s not just about roller derby—it’s about creating a place where everyone can show up, be seen, and thrive.

From perseverance to teamwork to resilience, DRD athletes are building skills that go far beyond the track. That kind of hustle and heart? It inspires us every day.

By hosting games at Detroit’s iconic Masonic Temple, DRD brings communities together and breathes fresh life into the heart of the city. It's more than a game—it's a gathering.

DRD is powered by strong, smart, bad-ass women—and we’re here for it. Their voice for equality and respect is loud, proud, and rolling full speed ahead.

At home in the D (Just don’t call it a skating rink!)

We believe in what DRD stands for—and we’re honored to support their home season from October through March, right at the 

 in Detroit. And we’re not stopping there. We’re excited to continue that support into the 2025–2026 season.

At every home game, our CFCU Impact Team is in the crowd, chatting with fans, celebrating community, and making Impossible Dreams come true. It’s one of our favorite places to be.

Join us for speed, strength, and serious community spirit

Come catch the action and help us cheer on these phenomenal athletes. (If you’re lucky, you may even score coveted seats on the CFCU Impossible Dreams couch!) Find your game at 

Big news: We’re official sponsors of Detroit Roller Derby!

Big money lessons start small. Discover how student-run credit unions help kids build real-world money skills, boost confidence, and create healthy financial habits—right from their school! 

5 Reasons Why Parents Love Student-Run Credit Unions at School

Student Run Credit Union

Learn More

Saved by the Student-Run Credit Union in 2024!

From saving allowances to setting goals, kids learn by doing. A student-run credit union gives them a hands-on way to understand how money works—long before their first paycheck. In fact, in 2024, our students hit an average account balance of $359.27 per student.

At well over $300 bucks, that’s actually more than the median checking account balance in the lowest percentile of US households in 2022!* And a great start for the kids powering Michigan’s future.

Students can make deposits, manage their savings, and even handle cash serving as tellers (under adult supervision, of course). It’s a safe, encouraging way to teach accountability, routine, and ownership.

There’s nothing quite like watching your child save up for something on their own. Whether it’s a toy, a gift, or just building up their balance, they get to feel proud of their progress—and motivated to keep going.

They get a head start on financial literacy

Understanding how to manage money is one of the most important life skills. Student-run credit unions make it fun and approachable with their friends and classmates—so kids aren't left figuring it out on their own later.

We’re a for-impact credit union, and that means we’re here to help—not to sell. These programs are part of our purpose to support Michigan families and build a brighter financial future for the next generation, which is precisely why we give kids the opportunity to run the whole deal themselves, from marketing to CEO. (And, for high schoolers, it looks pretty good on a college application too!)


Ask your child’s school if they have a student-run credit union program—and if they don’t, let’s start one together. We’re here to help every young dreamer become a confident saver. 

5 Reasons Why Parents Love Student-Run Credit Unions at School 

As the place for savers, we're taking the spreadsheet-planning, reminder-setting, envelope-stuffing, account-watching work out of starting your savings journey, so that you can skip straight to well-seasoned pro status. Save yourself the head-scratching and save $1,378 by automating your savings plan with the 52-Week Savings Challenge!

52-Week Savings Challenge

We may call it a challenge, but there’s nothing challenging about it!

Automatic weekly transfers to savings from any account of your choice

Start at just $1, and increase by $1 every week for 52 weeks

With no restrictions on when you can start your challenge

Saving you a total of $1,378 without a second thought needed!

That savings-momentum is important, so our friends at Debbie are stepping in & stepping it up with bonus rewards when you connect your 52-Week Savings Account! If you haven’t tried out Debbie yet, there’s never been a better time to start!

Take the 52-Week Savings Challenge

See how the Relentless Care Foundation is helping Otsego-Antrim Habitat for Humanity build more affordable housing and preserve existing housing through critical repairs that allow residents to keep their their homes.

Expanding and Preserving Homeownership with Otsego-Antrim Habitat for Humanity

"One of the biggest needs in Otsego County is emergency home repairs," said Felicia Guyot, project manager for Otsego-Antrim Habitat for Humanity. 

"Thanks to the grant from the Relentless Care Foundation, we’re able to address those needs more quickly than before."

The non-profit organization also offers an Aging in Place program that help elderly people preserve their independence by making critical repairs to their house so they can safely stay in their home longer.

Otsego-Antrim Habitat for Humanity

Whether you’re new to giving or a seasoned donor, your support helps us award more grants to Michigan communities.

Give Now

Build Belonging

The Relentless Care Foundation believes in a future where all Michigan communities are just, thriving, and vibrant.

Relentless Care Foundation

Relentlessly Caring

Make an Impact

Let's do good things

Expanding and Preserving Homeownership in Otsego-Antrim Habitat for Humanity

See how CFCU and the Relentless Care Foundation support healing through art therapy at the New Hope Center for Grief Support.

Healing Through Art at the New Hope Center for Grief Support

"We are so grateful to have received this grant so we can help the bereaved children we serve express their grief through art," said Laurel Neitling, the manager of the Center's Circles of Hope program.

New Hope Center for Grief Support

Cybercriminals aren’t just after the big guys anymore. In fact, small and mid-sized businesses are now at the top of their lists—and your business accounts can be a prime entry point.

Payroll and vendor payments flow through your accounts.

Sensitive data—like employee and customer info—is stored or accessed through digital tools.

A single breach can damage both your finances and your reputation.

Simple security steps that make a big difference

Start with these basics—and treat them like essentials:

: It’s one of the strongest defenses you can enable.

: And change them regularly—no “admin123” allowed.

: Spotting phishing attempts and suspicious links should be second nature.

You don’t have to go it alone. Ask your financial partner what security measures they have in place, like:

Mastercard® ID Theft protection and Zero Liability Protection

Why choose a credit union for your business?

Startups and new apps pop up every day that make big claims about empowering small business. But when it comes to certainty in the bright spots AND the dark moments, it’s hard to know just how much an online partner is actually there for you.

As a for-impact financial institution, CFCU is here to walk with you through the thick and thin with everything from 

All with the kind of support and benefits you can only get from a trusted local business solution with 70 years of experience:

: When you need it, Michigan-based business professionals who understand both your goals and your market are here to pick up the phone.

: Our purpose is to build a stronger Michigan for us all, so you can rest easy knowing that we always put your success ahead of our own profits every day of the week.

Because Relentless Care isn’t just a value—it’s our promise. We’re here to help keep your business, your team, and your money protected.

 today to explore smart, simple ways to safeguard your business accounts.

Apply by Phone

Ready for a better business card? Contact us to get started!

Apply for a Business Mastercard®

Apply today!

Fuel the engine that keeps your Michigan business running with checking, savings, and money markets designed for the demands of any size business. 

Business Accounts

Looking to grow bigtime? Our experts in commercial real estate mortgages, equipment loans, commercial auto loans and working capital lines of credit can help bring your vision to life. 

Business Loans

From payments and lockboxes to payroll and HCM/HR automation, let us take the load off you, so you can focus on the big stuff. 

Business Services

Boost your purchasing power with rewards points and easy digital control. Our Mastercard® business credit card is built to keep your business moving.  

Business Mastercard

Boost your Michigan-based business to the next level.  

Business

Growing your Business 

Cybersecurity and Business Accounts: What Every Michigan Business Needs to Know in 2025

Read how CFCU and the Relentless Care Foundation support the Living and Learning Enrichment Center in providing valuable therapeutic, social, vocational and community support for people with disabilities and their families.

Enriching the Lives of Our Neighbors with Disabilities

The Relentless Care Foundation awarded a grant of $8,000 to the Living and Learning Enrichment Center of Northville, Michigan as part of our Community Mobility philanthropic campaign. This grant will help fund the wages of vocational skills coaches and career development teams at the center, providing valuable job skills to teens, kids and adults with disabilities so they can secure meaningful employment across a wide range of industries.

LLEC

Nancy Pieske shares an emotional story about her work with the First Step program, highlighting the program's ability to help women in Michigan overcoming abusive and unhealthy relationships.

First Step Testimonial

Content warning: This article contains references to domestic violence, intimate partner violence, and economic abuse.

Walking with abuse survivors when they need it most

As a people leader here at CFCU, Nancy has plenty of stories of Belonging and positive impact. To her, some of the most impactful stories come from her frontline work helping survivors of economic abuse and domestic violence pivot their trajectories for the better.

Don’t take our word for it. Hear, firsthand, her emotional stories of women taking their first steps to rest of their lives thanks to 

IPV/DV Content Warning

Choose The Bear Nancy Testimonial Video

Choose The Bear

Donate to help economic abuse survivors

Dedicated to helping pivot survivor’s financial trajectories for the better, Choose The Bear™ is our way of supporting women experiencing economic abuse across the state of Michigan. 

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As a supporter of Choose The Bear™ , the Relentless Care Foundation believes in a future where all Michigan communities are just, thriving, and vibrant.

As advocates and supporters of survivors, the mission of First Step is to eliminate both domestic and sexual violence and to provide comprehensive services to individuals and families impacted by these crimes.

Visit First Step

First Step

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Taking the First Steps with First Step

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From news on our charitable giving to quick chats about what it means to put Belonging Over Banking™, find out what we’ve been up to in your community.

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Max that cash: How to get the most from your High Yield Savings

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Back-to-Back Best-in-State? Yep. Thanks to you.

News

Women Leading, Communities Thriving: Crain’s Names Tansley Stearns a Force in Finance

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The 2nd Annual Pickleball for Good: Can You Beat $91k?

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Big news: We’re official sponsors of Detroit Roller Derby!

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5 Reasons Why Parents Love Student-Run Credit Unions at School

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52-Week Savings Challenge

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Expanding and Preserving Homeownership in Otsego-Antrim Habitat for Humanity

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Healing Through Art at the New Hope Center for Grief Support

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Cybersecurity and Business Accounts: What Every Michigan Business Needs to Know in 2025

News

Enriching the Lives of Our Neighbors with Disabilities

Story

Taking the First Steps with First Step