Certificates of Deposit

Certifiably the best way to grow your savings

Give your money a better home than your sock drawer

Invest in your future self while giving your current self a tax break!

Why choose between high returns and easy access?

Trade in your piggy bank for a high-interest account

Get Started Today

High Yield Investments at Community First

No risk, all rewards

The Details:

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High returns, zero stress with APYs that are among the highest in the business.
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Flexible terms: from 6-60 months, you can choose how long to invest.
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Low opening deposit, just $1000 to open!
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Dual purpose power. Use a certificate to also serve as collateral on a loan
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It's safe! Did we mention your funds are insured by the NCUA for up to $250,000?
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Get paid up to two days early* with Early Pay!

Steady stream of earnings

Your IRA investments generate monthly returns

Minimal annual fee

You can open an account with any CFCU savings or certificate program

Low opening contribution

$100 required to open an IRA account

Minimal annual fee

$5/year to maintain the IRA account

Flexible contributions 

You have the option to contribute via "lump sums" or by regular deposits

Federally insured

NCUA insures each IRA up to $250,000

A safe haven for your hard-earned money

Earn more with Community First

Looking for a low-risk, high-reward investment? With guaranteed returns, a certificate account is the perfect way to make your money work for you without the worry of market volatility.

Traditional IRA

Delay taxes on your earnings until withdrawal. Certain contributions may be tax deductible in the year they're made. Double savings!

Roth IRA

Access tax-free withdrawals for certain distribution reasons after a five-year holding period. Non-deductible contributions are taxed when earned, but members in a higher tax bracket upon retirement may benefit more. Plus, no requirement to begin taking distributions at age 70½.

Current contribution limits and FAQs from the IRS
Guaranteed returns
Locked in rates
Customizable investments

Certificate of Deposit Rates

Great rates, like Northern California wine, only get better with age

Term
Rate3
APY4
6 months
4.073%
4.15%
12 months
3.687%
3.75%
18 months
3.542%
3.60%
24 months
3.445%
3.50%
36 months
2.960%
3.00%
48 months
2.960%
3.00%
60 months
2.960%
3.00%
Effective: 

Not the right savings for you?

Don't worry, we have a lot more!

Money Market Rates

Minimum Deposit
Rate1
APY2
$100
0.747%
0.75%
$1,000
0.747%
0.75%
$10,000
0.747%
0.75%
$50,000
0.797%
0.80%
$100,000
0.995%
1.00%
$150,000
0.995%
1.00%
$250,000
0.995%
1.00%
$500,000
0.995%
1.00%
$1,000,000
1.144%
1.15%
Effective:

Want to earn even more?

Earn up to 1.50% APY with our Advantage Money Markets!

Qualify for these higher rates with:

  • Auto or Real Estate Loan
  • Community First Credit Card
  • OR Local Advantage PLUS Checking Account

Advantage Money Market Rates

Minimum Deposit
Rate1
APY2
$10,000
0.995%
1.00%
$50,000
1.243%
1.25%
$100,000
1.243%
1.25%
$150,000
1.292%
1.30%
$250,000
1.391%
1.40%
$500,000
1.490%
1.50%
$1,000,000
1.490%
1.50%
Effective:

Ready to start saving?

Reach out to us today to take the first step!

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Savings Calculator

Adjust the inputs to see how much your monthly savings contributions will grow with interest.

Starting amount
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Monthly savings
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years to save
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interest rate
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Calculate
You could save
$23,225
interest earned
$64,225
total saved

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Local on the Go

Check your balance, transfer funds, deposit money, and manage your cards all from the palm of your hand with online banking

Disclosures

*Early Pay is a courtesy service provided by Community First Credit Union (CFCU) as a benefit to our members. There is no fee for this service. Early Pay allows you to receive payroll and other electronic deposits up to two business days ahead of your scheduled payday. Early Pay is dependent on the payor's payment instructions. As a result, you may not always receive the direct deposits early. It is important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please confirm available funds before withdrawing against the deposit. CFCU does not guarantee the early availability of any direct deposit. Standard fraud prevention restrictions apply. We reserve the right to cancel the service at any time and without notice to you. Please see our CFCU Early Pay Disclosure for details.

Disclosures

*YouthSaver rate is 7.07% APY when paired with an adult with Local Advantage Plus Checking cosign.
Youthsaver rate applies to first $500; default to Prime Share savings rate on those monies above $500.

Disclosures

3) Anticipated dividend; variable rate & subject to change. 4) Annual Percentage Yield assumes dividends will remain in account until maturity. Withdrawals before maturity will reduce earnings. Fees and other charges will reduce earnings.

Disclosures

1) Rates subject to change without notice. 2) Certain restrictions apply. APY = Annual Percentage Yield. Fees may reduce earnings. Minimum balance of $100 to earn dividends. Advantage Money Market also requires Local Plus Checking Account, Auto Loan, Real Estate Loan, or CFCU Credit Card

Disclosures

*As always, consult your tax advisor for what's best for your unique circumstances.