Credit union · NCUA insured
Community First Federal Credit Union CD Rates
Community First Federal Credit Union’s best CD rate is 4.05% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Community First Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Community First Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community First Federal Credit Union
4.05%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $200
Certificate
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
KCCU
4.45%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $183
Community First Federal Credit Union CD score
86
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.05%
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 Federal 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.
Certificate
Up to 4.05%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.05% | $1 |
| 6 months | 4.05% | $200 |
| 9 months | 4.00% | $299 |
| 12 months | 3.95% | $395 |
| 18 months | 2.50% | $377 |
| 24 months | 3.60% | $733 |
| 36 months | 3.00% | $927 |
| 60 months | 2.75% | $1,453 |
Sources (1)
- cffcu.biz/rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 3.50%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTraditional IRA and Roth IRA | 3.50% | $350 |
| 36 monthsTraditional IRA and Roth IRA | 1.75% | $534 |
Sources (1)
- cffcu.biz/rates · captured Oct 16, 2026
Who can join Community First Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.