Credit union · NCUA insured
Community First Credit Union Savings Rates
Top CarrotCommunity First Credit Union’s best savings rate is 0.90% APY on $10,000, with its Affordable Money Market. Rates checked October 17, 2026.
How Community First Credit Union’s savings 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
0.90%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $90
Affordable Money Market
Top rate
CoVantage Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $325
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Community First Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0001.05%
- QualifiedQualified0.90%
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.
Member's Choice Money Market
Up to 3.95%APY
Balances falling below $75,000 earn a rate and APY of 0.30%, and incur a $25 monthly service charge. Active checking defined as 4 or more transactions per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $75,000 and upWith active checking (4 or more transactions per month) | 2.00% | — | With active checking (4 or more transactions per month) |
| $75,000 and upWithout checking | 1.00% | — | Without checking |
| $150,000 and upWith active checking (4 or more transactions per month) | 3.00% | — | With active checking (4 or more transactions per month) |
| $150,000 and upWithout checking | 1.15% | — | Without checking |
| $300,000 and upWith active checking (4 or more transactions per month) | 3.50% | — | With active checking (4 or more transactions per month) |
| $500,000 and upWith active checking (4 or more transactions per month) | 3.65% | — | With active checking (4 or more transactions per month) |
| $750,000 and upWith active checking (4 or more transactions per month) | 3.90% | — | With active checking (4 or more transactions per month) |
| $2,000,000 and upWith active checking (4 or more transactions per month) | 3.95% | — | With active checking (4 or more transactions per month) |
Sources (1)
- communityfirstcu.org/everyday-…ng/savings-money-markets · captured Oct 5, 2026
Ultimate Money Market
1.05%APY
Balances falling below $15,000 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $15,000 and up | 1.05% | — |
Sources (1)
- communityfirstcu.org/everyday-…ng/savings-money-markets · captured Oct 5, 2026
Affordable Money Market
0.90%APY
Balances falling below $7,500 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $7,500 and up | 0.90% | $90 |
Sources (1)
- communityfirstcu.org/everyday-…ng/savings-money-markets · captured Oct 5, 2026
Membership Savings
0.30%APY
Lifetime membership stake in credit union. Dividends compounded quarterly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarn dividends on balances of $100 or more; dividends compounded quarterly based on average daily balance.$100 and up | 0.30% | $30 | Earn dividends on balances of $100 or more; dividends compounded quarterly based on average daily balance. |
Sources (2)
All captured Oct 5, 2026
Regular Savings
0.30%APY
Additional savings account to keep savings goals separated from everyday funds. Dividends compounded quarterly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarn dividends on balances of $100 or more; dividends compounded quarterly based on average daily balance.$100 and up | 0.30% | $30 | Earn dividends on balances of $100 or more; dividends compounded quarterly based on average daily balance. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Member's Choice IRA Money Market
Up to 3.95%APY
Traditional and Roth IRA wrappers. Balances falling below $75,000 earn a rate and APY of 0.30%, and incur a $25 monthly service charge. Active checking defined as 4 or more transactions per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $75,000 and upWith active checking (4 or more transactions per month) | 2.00% | — | With active checking (4 or more transactions per month) |
| $75,000 and upWithout checking | 1.00% | — | Without checking |
| $150,000 and upWith active checking (4 or more transactions per month) | 3.00% | — | With active checking (4 or more transactions per month) |
| $150,000 and upWithout checking | 1.15% | — | Without checking |
| $300,000 and upWith active checking (4 or more transactions per month) | 3.50% | — | With active checking (4 or more transactions per month) |
| $500,000 and upWith active checking (4 or more transactions per month) | 3.65% | — | With active checking (4 or more transactions per month) |
| $750,000 and upWith active checking (4 or more transactions per month) | 3.90% | — | With active checking (4 or more transactions per month) |
| $2,000,000 and upWith active checking (4 or more transactions per month) | 3.95% | — | With active checking (4 or more transactions per month) |
Sources (2)
All captured Oct 5, 2026
Ultimate IRA Money Market
1.05%APY
Traditional and Roth IRA wrappers. Balances falling below $15,000 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $15,000 and up | 1.05% | — |
Sources (2)
All captured Oct 5, 2026
Health Savings Account
1.00%APY
Requires coverage under a qualifying High Deductible Health Plan (HDHP). Subject to a one-time $25 enrollment fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOne-time $25 enrollment fee; no monthly administrative or service fees; single rate tier for all balances.Any balance | 1.00% | $100 | One-time $25 enrollment fee; no monthly administrative or service fees; single rate tier for all balances. |
Sources (2)
All captured Oct 5, 2026
Affordable IRA Money Market
0.90%APY
Traditional and Roth IRA wrappers. Balances falling below $7,500 earn a rate and APY of 0.30%, and incur a $15 monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $7,500 and up | 0.90% | $90 |
Sources (2)
All captured Oct 5, 2026
Holiday Club
0.50%APY
Balance transferred to account of choice on October 1 each year. Early withdrawals subject to $10 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid annually based on average daily balance between Oct. 1 and Sept. 30.$25 and up | 0.50% | $50 | Dividends paid annually based on average daily balance between Oct. 1 and Sept. 30. |
Sources (2)
All captured Oct 5, 2026
Accumulator IRA
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (2)
All captured Oct 5, 2026
Coverdell Education Savings Account
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (1)
- communityfirstcu.org/everyday-banking/cds-iras · captured Oct 5, 2026
Youth Savings
0.30%APY
Dividends compounded quarterly based on average daily balance. Child can have full or limited access to funds.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarn dividends on balances of $25 or more; dividends compounded quarterly based on average daily balance.$25 and up | 0.30% | $30 | Earn dividends on balances of $25 or more; dividends compounded quarterly based on average daily balance. |
Sources (2)
All captured Oct 5, 2026
Who can join Community First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.