Credit union · NCUA insured
Community First Credit Union CD Rates
Top CarrotCommunity First Credit Union’s best CD rate is 5.05% APY on a 5-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How Community First Credit Union’s CD rates compare
Compared with banks and credit unions near Appleton, WI, where Community First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community First Credit Union
5.05%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $207
Certificates
2nd-highest rate
Capital Credit Union
5.00%APY
- Term
- 10 months
- Minimum
- $5,000
- Earns on $10,000
- $415
3rd-highest rate
Unison Credit Union
4.75%APY
- Term
- 23 months
- Minimum
- $2,000
- Earns on $10,000
- $930
Community First Credit Union CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo5.05%
- 9–15 months9–15 mo5.05%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo4.00%
- QualifiedQualified5.05%
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.
Certificates
Up to 5.05%APY · 10 terms
Penalty for early withdrawal on Certificates.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsPenalty for early withdrawal on Certificates | — | 3.00% | — | 3.00% | $74 |
| 5 monthsCD Special: Pick Your Term - Choose from 5, 10, or 15 Months Term. Penalty for early withdrawal on Certificates | — | — | 5.05% | 5.05% | $207 |
| 6 monthsPenalty for early withdrawal on Certificates | — | 3.25% | — | 3.25% | $161 |
| 10 monthsCD Special: Pick Your Term - Choose from 5, 10, or 15 Months Term. Penalty for early withdrawal on Certificates | — | — | 5.05% | 5.05% | $419 |
| 12 monthsPenalty for early withdrawal on Certificates | 3.65% | — | — | 3.65% | $365 |
| 15 monthsCD Special: Pick Your Term - Choose from 5, 10, or 15 Months Term. Penalty for early withdrawal on Certificates | — | — | 5.05% | 5.05% | $635 |
| 18 monthsPenalty for early withdrawal on Certificates | 3.65% | — | — | 3.65% | $552 |
| 24 monthsPenalty for early withdrawal on Certificates | 3.65% | — | — | 3.65% | $743 |
| 36 monthsPenalty for early withdrawal on Certificates | 3.80% | — | — | 3.80% | $1,184 |
| 60 monthsPenalty for early withdrawal on Certificates | 4.00% | — | — | 4.00% | $2,167 |
Sources (1)
- communityfirstcu.org/rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 5.05%APY · 8 terms
Penalty for early withdrawal on Certificates.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 monthsIRA CD Special: Pick Your Term - Choose from 5, 10, or 15 Months. Penalty for early withdrawal on Certificates | — | 5.05% | 5.05% | $207 |
| 10 monthsIRA CD Special: Pick Your Term - Choose from 5, 10, or 15 Months. Penalty for early withdrawal on Certificates | — | 5.05% | 5.05% | $419 |
| 12 monthsPenalty for early withdrawal on Certificates | 3.65% | — | 3.65% | $365 |
| 15 monthsIRA CD Special: Pick Your Term - Choose from 5, 10, or 15 Months. Penalty for early withdrawal on Certificates | — | 5.05% | 5.05% | $635 |
| 18 monthsPenalty for early withdrawal on Certificates | 3.65% | — | 3.65% | $552 |
| 24 monthsPenalty for early withdrawal on Certificates | 3.65% | — | 3.65% | $743 |
| 36 monthsPenalty for early withdrawal on Certificates | 3.80% | — | 3.80% | $1,184 |
| 60 monthsPenalty for early withdrawal on Certificates | 4.00% | — | 4.00% | $2,167 |
Sources (1)
- communityfirstcu.org/rates · captured Oct 16, 2026
Who can join Community First Credit Union
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