Credit union · NCUA insured
Community First Credit Union Savings Rates
Community First Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Community First Credit Union’s savings 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
1.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $100
Advantage Money Market
Top rate
Redwood Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Community First Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.00%
- QualifiedQualified1.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Advantage Money Market
1.00%APY
Qualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upQualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. | 1.00% | $100 | Qualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. |
| $50,000 and upQualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. | 1.25% | — | Qualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. |
| $100,000 and upQualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. | 1.25% | — | Qualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. |
| $150,000 and upQualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. | 1.30% | — | Qualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. |
| $250,000 and upQualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. | 1.40% | — | Qualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. |
| $500,000 and upQualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. | 1.50% | — | Qualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. |
| $1,000,000 and upQualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. | 1.50% | — | Qualify for higher rates with an Auto or Real Estate Loan, Community First Credit Card, OR Local Advantage PLUS Checking Account. |
Sources (3)
- comfirstcu.org/todays-rates
- comfirstcu.org/accounts/savings/certificates
- comfirstcu.org/accounts/savings/money-markets
All captured Sep 16, 2026
Money Market
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.75% | $75 |
| $1,000 and up | 0.75% | $75 |
| $10,000 and up | 0.75% | $75 |
| $50,000 and up | 0.80% | — |
| $100,000 and up | 1.00% | — |
| $150,000 and up | 1.00% | — |
| $250,000 and up | 1.00% | — |
| $500,000 and up | 1.00% | — |
| $1,000,000 and up | 1.15% | — |
Sources (3)
- comfirstcu.org/todays-rates
- comfirstcu.org/accounts/savings/certificates
- comfirstcu.org/accounts/savings/money-markets
All captured Sep 16, 2026
Prime Share Savings
0.05%APY
Requires a $25 balance to open and maintain membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upStart earning interest on balances of $100 and over.$100 and up | 0.05% | $5 | Start earning interest on balances of $100 and over. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Youth Saver
1.01%APY
Available for youth up to 18 years of age (from birth to 18 years old).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Available up to 18 years of age. Effective for first $500 when paired with an adult cosigner with Local Advantage Plus Checking. | 7.07% | — | Available up to 18 years of age. Effective for first $500 when paired with an adult cosigner with Local Advantage Plus Checking. |
| Any balanceApplies as standard rate or to balances above $500. | 1.01% | $101 | Applies as standard rate or to balances above $500. |
Sources (2)
All captured Sep 16, 2026
Holiday Vacation Club
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (1)
- comfirstcu.org/todays-rates · captured Sep 16, 2026
IRA Shares
0.05%APY
Available as Traditional IRA or Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$5/year maintenance fee.$100 and up | 0.05% | $5 | $5/year maintenance fee. |
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.