Credit union · NCUA insured
Community First Credit Union CD Rates
Community First Credit Union’s best CD rate is 3.65% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Community First Credit Union’s CD rates compare
Compared with banks and credit unions near Santa Rosa, CA, where Community First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community First Credit Union
3.65%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,963
Share Certificates
Top rate
Poppy Bank
4.25%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $105
2nd-highest rate
Patelco Credit Union
4.25%APY
- Term
- 7 months
- Minimum
- $250
- Earns on $10,000
- $246
Community First Credit Union CD score
80
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.65%
- QualifiedQualified3.65%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Community First Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.65%APY · 7 terms
Certificate rates remain fixed for term. Dividends credited and compounded monthly. Insured by NCUA up to $250,000. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 3.45% | $345 |
| 18 months | 3.45% | $522 |
| 24 months | 3.50% | $712 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.65% | $1,963 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.65%APY · 7 terms
Available as Traditional IRA or Roth IRA certificate program. Requires $100 opening contribution and $5/year account maintenance fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 3.45% | $345 |
| 18 months | 3.45% | $522 |
| 24 months | 3.50% | $712 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.65% | $1,963 |
Sources (2)
All captured Sep 16, 2026
Who can join Community First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County are eligible to join.
Family and household
- Individuals who have an immediate relative who lives, works, worships, or goes to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County are eligible to join.
Cost to join
- A minimum opening deposit of $25 is required to open an account.
Membership information collected October 5, 2026.