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Rates

Full on features, low on fees, and with great rates CFCU is the place for savers!

The place for savers.

Savings Account Rates

Savings accounts

Whether you’re a fan of keeping things simple or hoping to find a high yield that’s free from upkeep fees, we’ve got you covered! There’s a CFCU savings account for every situation, and a great rate for every saver.

Savings Account Rates

Date Updated Apr 24, 2025

Minimum to Open

Minimum to Earn Dividends

Dividend Rate

APY*

Basic Savings

$5

$100

0.05%

0.05%

High Yield Savings

$5

$0

9.57%

10.00% on balances up to $1,000

0.10%

0.10% on balances over $1,000

Kids Savings

$5

$0

0.05%

0.05%

Holiday Savings

$5

$0

0.05%

0.05%

IRA Savings

$5

$0

0.05%

0.05%

Health Savings

$5

$0

0.05%

0.05%

*APY = Annual Percentage Yield. APY may change before or after the account is opened. Fees may reduce earnings. Goal Setter Accounts require monthly auto deposits to earn dividends, subject to penalty for early withdrawal. Rates are subject to change at any time. Community Financial Credit Union membership is required. Community Financial Fee Schedule.

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Checking Account Rates

CloseEnuff™ Checking 

Our feature-full, cashflow boosting account, that protects your cash from the unexpected with a $50 overdraft buffer, gets you paid up to two days early, can send your spare change over to savings, gets you rewarded for every card swipe, and even lets you split up big payments into installments up to 60 days after the purchase. If that sounds like a lot, that’s because it is!

Checking Account Rates

Date Updated May 21, 2025

Minimum to Open

Minimum to Earn Dividends

Dividend Rate

APY*

CloseEnuff Checking

$5

N/A

N/A

N/A

*APY = Annual Percentage Yield. APY may change before or after the account is opened. Fees may reduce earnings. Community Financial Fee Schedule.

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Certificate Of Deposit Rates

Certificates of Deposit

Save for a set period and get a return you can be sure of! Our standard and special CDs have a little something for every saver, with short or long terms for any timeline. Just lock in your fixed rate at the start, then sit back and relax while your money grows!

Special Certificate of Deposit Rates

Date Updated June 6, 2025

Dividend Rate

APY* as high as

8-Month Special Certificate without Direct Deposit**

4.19%

4.25%

8-Month Special Certificate with Direct Deposit***

4.43%

4.50%

23-Month Special Certificate

3.70%

3.75%

Wire transfer fees up to $50 will be waived. *APY= Annual Percentage Yield. Minimum to open: $100. Fees may reduce earnings; subject to penalty for early withdrawal. Please call (877) 937-2328 for additional rates & terms.

**Initial rate will be set as the default rate for the first two months to allow time for direct deposit connection.

***Accounts will be scanned on the 1st of the month to determine if it qualifies for the elevated rate.

Certificate of Deposit Rates

Date Updated June 18, 2025

Dividend Rate

APY* as high as

180-Day

1.10%

1.10%

1-Year

1.15%

1.16%

2-Year

1.10%

1.10%

3-Year

1.05%

1.05%

4-Year

1.05%

1.05%

5-Year

1.10%

1.10%

*APY= Annual Percentage Yield. APY depends on Member Reward Club status and is subject to change. APY stated above assumes President's Club status. Minimum to open: $100. Fees may reduce earnings; subject to penalty for early withdrawal. Please call (877) 937-2328 for additional rates & terms.

Money Market rates as high as 3.25% APY (Annual Percentage Yield)

Money Market Account Rates

Money Market Account

With unlimited withdrawals and transfers, our Money Market Account is designed with flexibility in mind for larger savings balances. A big return doesn’t have to come with a ton of big restrictions – we know better than that!

Money Market Rates

Date Updated June 6, 2025

Minimum to Earn Dividends

Dividend Rate

APY*

$2,000

1.10%

1.10%

$15,000

1.29%

1.30%

$25,000

1.59%

1.60%

$50,000

1.69%

1.70%

$100,000

1.98%

2.00%

$250,000

2.47%

2.50%

$500,000

3.20%

3.25%

$1,000,000

3.45%

3.50%

$5,000,000

4.12%

4.20%

*APY = Annual Percentage Yield. APY may change before or after the account is opened. Fees may reduce earnings. Community Financial Fee Schedule.

FINANCING MADE SIMPLE

Your Loan, Your Way

We keep our loans competitive, because keeping more money in Michiganders’ pockets is what we’re all about. With flexible terms and rates designed for real-life, we’re making sure that our loans make sense and support your financial success, no matter what you’re borrowing for.

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Auto Loan Rates

Auto Loans

Whether you're shopping for a new or used vehicle—or refinancing an existing one—CFCU offers low-rate auto loans with flexible terms. Take advantage of pre-approval options and up to 100% financing, including tax and tags.

Auto Loan Rates

Date Updated June 5, 2025

APR* as low as

Term

New or Used

6.49%

60 Months

Classic, Collectible & Special Interest Autos

8.24%

48 Months

Terms available for 84 months and longer, call to get a personalized quote.

*Annual Percentage Rate (APR). Individual rates vary and are dependent on individual credit history and other underwriting factors. Auto loan payment example: A $15,000 loan amount on a vehicle with 20% down, an excellent credit score, a 60 months term and a 6.74% APR, the monthly payment would be $295.23. An additional .25% rate discount is applied when payments are automatically deducted from a Community Financial checking account. May require co-signer. Programs, rates, terms, and conditions are subject to change without notice.

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Home Equity Loan Rates

Home Equity Loans

Turn your home's value into cash for renovations, debt consolidation, or major purchases. With fixed or variable-rate options, CFCU's home equity loans offer competitive rates and low fees.

Home Equity Loan Rates

Date Updated May 1, 2025

APR as low as*

Variable Rate HELOC

7.00%

Fixed Rate HE Term Loans

7.24%

*Home Equity Lines of Credit: The variable rate of 7.00% Annual Percentage Rate (APR) is based on a $25,000+ line of credit, 80% Loan to Value (LTV) and an excellent credit score. Estimate assumes a .25% rate discount given when payments are automatically deducted from a Community Financial checking account. Rates are based on the published Wall Street Journal Prime Rate and subject to change without notice. Additional rates available based on loan amount, LTV and individual credit history. Maximum rate 25.00% APR, minimum rate 2.00% APR. If you close your line of credit plan within the first 24 months you will be required to reimburse the credit union for the bona fide fees paid on your behalf.

Home Equity Term Loans - APR is based on $25,000 loan amount, for 60 months, with 80% LTV, and an excellent credit score. Estimate assumes a .25% rate discount given when payments are automatically deducted from a Community Financial checking account. Actual rate based on loan amount, LTV, term and individual credit history.

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Recreational Vehicle Loan Rates

RV, Boats, and Powersport Loans

Enjoy the outdoors with great rates on RVs, boats, snowmobiles, and ATVs. Flexible terms and fast approvals make your next adventure even more affordable.

Recreational Vehicle Loan Rates

Date Updated June 5, 2025

APR* as low as

Term

Boats & RVs (2024-2022)

8.24%

48 Months

Boats & RVs (2021-2018)

8.24%

48 Months

Boats & RVs (2017-2015)

8.24%

48 Months

Boats & RVs (2014 & Older)

11.24%

48 Months

New Power Sports (Used rates also available)

8.24%

48 Months

Terms up to 180 months available. Please call us for a personalized quote.

*Consumer Loan Annual Percentage Rates (APRs) only available at Community Financial offices, the web or Care Center; not available through dealerships. Special pricing does not apply to re-finance of existing Community Financial loans.* Sample rate 8.49% is based on a secured term loan of $15,000 with 20% down payment, excellent credit history, and a 48 month term. The monthly payments would be about $369.71. An additional .25% rate discount is available when payments are automatically deducted from your Community Financial checking account. Rates vary and are dependent on individual credit history and other factors including: model year, loan amount, and term.

CFCU Mastercard Credit Cards

Personal Loans & Credit Card Rates

Personal Loans & Credit Cards

Need funds for something unexpected—or just want to consolidate debt into one manageable payment? CFCU personal loans and Mastercard® credit cards give you affordable options with no prepayment penalties.

Personal Loan & Credit Card Rates

Date Updated June 17, 2025

APR* as low as

Term

Personal & Debt Consolidation Loans**

13.74%

60 Months

Platinum Mastercard

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10.99%

Revolving

Platinum Rewards Mastercard 

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12.49%

Revolving

World Mastercard 

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14.49%

Revolving

*Annual Percentage Rates (APRs) vary and are dependent on individual credit history.

**Personal Loan Payment Example: For a $5,000 loan with 48 month term at 13.74% APR the monthly payments would be about $136. Above stated rate includes an additional .25% rate discount which is available when payments are automatically deducted from your Community Financial checking account.

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Mortgage Rates

Fixed & adjustable-rate mortgages

Looking for a place to call home? You can count on our great rates, flexible solutions, and expert guidance to get you there! Whether you’re buying for the first time, shopping for something new, or looking to refinance, we’re here to help.

You are Enuff™

What We Do

Making Impossible Dreams come true on the daily.

Wherever you are on your financial journey, you Belong here.