Credit union · NCUA insured
Community First Federal Credit Union
A $146.9M credit union headquartered in Lakeview, MI, with 13,807 members and 5 branches in Michigan. Best rates: CDs 4.05% and savings 0.45% APY.
Community First Federal Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#23 of 49 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Community First Federal Credit Union
Community First Federal Credit Union was founded by Alfred and Jean Nienhuis in Lakeview, Michigan on June 27, 1985.
The credit union expanded across Michigan with branches in Howard City, Trufant, Morley, and Remus, now serving 63 townships across five counties.
- Headquarters
- 9637 N Greenville Rd, Lakeview, MI 48850-9107
- NCUA charter
- 24199
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person who lives, works, goes to school, volunteers, or worships in the served township areas is eligible to join.
Family and household
- Individuals who have a grandparent, parent, child, grandchild, sibling, or spouse that is currently a member of Community First Federal Credit Union are eligible to join.
Cost to join
- Minors can start a membership with as little as $0.25.
- All memberships start with a savings account and a deposit of $10.00.
Branches
5 branches in Michigan
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Michigan
5 branches
Grand Rapids area · 3
- Main OfficeMain office9637 N Greenville Rd, Lakeview, MI 48850Directions
- Howard City Branch620 W Shaw St, Howard City, MI 49329Directions
- Trufant Branch110 S A St, Trufant, MI 49347Directions
Big Rapids area · 2
- Morley Branch101 4th St, Morley, MI 49336Directions
- Remus Site155 N Sheridan Ave, Remus, MI 49340Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.43% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.02% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.77% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $93 | $76 | — |
- CapitalNet worth ratio8.43%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.02%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.77%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$93Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Community First Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.