Credit union · NCUA insured
Community First Federal Credit Union Savings Rates
Community First Federal Credit Union’s best savings rate is 0.45% APY on $10,000, with its MONEY MARKET DRAFT. Rates checked October 16, 2026.
How Community First Federal Credit Union’s savings 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
2.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $200
Kasasa Saver w/CB
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
First National Bank of America
4.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
Community First Federal Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.65%
- QualifiedQualified2.00%
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 Federal 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.
High Yield Shares
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 0.05% | $5 |
| $100,000 – $250,000 | 1.38% | — |
| $250,000 – $500,000 | 2.39% | — |
| Over $500,000 | 3.41% | — |
Sources (1)
- cffcu.biz/rates · captured Oct 16, 2026
Kasasa Saver w/CB
Up to 2.00%APY
Linked to Kasasa Cash Back checking account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBase rate if qualifications are not met. | 0.05% | $5 | Base rate if qualifications are not met. |
| Up to $100,000Qualifying rate on balances up to $100,000. | 2.00% | $200 | Qualifying rate on balances up to $100,000. |
| Over $100,000Qualifying rate on portion of balance over $100,000. | 0.50% | — | Qualifying rate on portion of balance over $100,000. |
Sources (1)
- cffcu.biz/rates · captured Oct 16, 2026
Kasasa Saver w/Cash
Up to 2.00%APY
Linked to Kasasa Cash checking account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBase rate if qualifications are not met. | 0.05% | $5 | Base rate if qualifications are not met. |
| Up to $100,000Qualifying rate on balances up to $100,000. | 2.00% | $200 | Qualifying rate on balances up to $100,000. |
| Over $100,000Qualifying rate on portion of balance over $100,000. | 0.50% | — | Qualifying rate on portion of balance over $100,000. |
Sources (1)
- cffcu.biz/rates · captured Oct 16, 2026
MONEY MARKET DRAFT
Up to 0.45%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.20% | $20 |
| $10,000 and up | 0.45% | $45 |
| $25,000 and up | 0.65% | — |
Sources (1)
- cffcu.biz/rates · captured Sep 18, 2026
Regular Shares
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.05% | $5 |
Sub Shares
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- cffcu.biz/rates · captured Oct 16, 2026
Special-purpose accounts
Penny Program Youth Club
1.00%APY
Youth savings program with age tiers: Ages 1-4, Ages 5-8 (Fox Friends), Ages 9-12 (Penny's Pals), and Ages 13-17 (Penny's Pack).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAges 1-17.Any balance | 1.00% | $100 | Ages 1-17. |
Sources (1)
- cffcu.biz/penny-program · captured Oct 16, 2026
IRA Savings
0.25%APY
Available in Traditional and Roth IRA options.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upTraditional and Roth IRA savings shares.$10 and up | 0.25% | $25 | Traditional and Roth IRA savings shares. |
Christmas Club
0.05%APY
Designed to limit access and build savings until the holiday season; funds become available November 1st.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
HSA Draft
0.05%APY
Tax-exempt Health Savings Account for paying eligible medical, dental, and vision expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Vacation Club
0.05%APY
Designed to limit access and build savings until the summer season; funds become available June 1st.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
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.