3 star ratingAverage User Rating:
3 star rating based on 2 reviews.

Community First CU (WI)

Community First CU (WI) Locations
2626 S Oneida Street, PO Box 1487
Appleton, WI 549121487
866-273-2328
www.communityfirstcu.org



Community First CU (WI) is headquartered in APPLETON and is the 3rd largest credit union in the state of Wisconsin. It is also the 95th largest credit union in the nation. It was established in 1975 and as of December of 2011, it had grown to 268 employees and 93,798 members. Community First CU (WI)'s savings rates are 3X the national average, and it boasts a 5-star health rating.



See Rates for: Checking | Savings | Money Market | CD | IRA

Community First CU (WI) Checking Account Rates

ApyMinMaxProduct
0.30%$50k-Corporate Checking Account
0.25%--Member's Choice Checking Account
0.15%$5k-Direct Benefit Checking Account
0.15%$5k-Regular Checking Account

Community First CU (WI) Savings Account Rates

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1.75%--Health Savings Account
0.35%--Accumulator IRA Account
0.35%--Accumulator Roth IRA Account
0.35%--Coverdell Education Savings Account
0.25%$100-Regular Savings Account
0.25%$25-Kids Savings Account
0.25%$25-Holiday Club Account

Community First CU (WI) Money Market Rates

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0.80%$75k-Members Choice Money Market Checking Account
0.80%$75k-Members Choice IRA Money Market Checking Account
0.50%$15k-Ultimate Money Market Account
0.50%$15k-Ultimate IRA Money Market Account
0.40%$75k-Members Choice Money Market Savings Account
0.40%$75k-Member's Choice IRA Money Market Savings Account
0.30%--Affordable Money Market Account
0.30%$10k-First Choice Money Market Savings Account
0.30%--Affordable IRA Money Market

Community First CU (WI) CD Rates

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1.75%$1k-5 Year Certificate
1.40%$1k-3 Year Certificate
1.25%$1k-2 Year Certificate
1.15%$1k-18 Month Certificate
1.10%$5k-15 Month Certificate Special
0.90%$1k-1 Year Certificate
0.65%$2,500-6 Month Certificate
0.30%$2,500-90 Day Certificate

Community First CU (WI) IRA Rates

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1.75%$1k-5 Year IRA Certificate
1.75%$1k-5 Year Roth IRA Certificate
1.75%$1k-5 Year Coverdell ESA Certificate
1.40%$1k-3 Year IRA Certificate
1.40%$1k-3 Year Roth IRA Certificate
1.40%$1k-3 Year Coverdell ESA Certificate
1.25%$1k-2 Year IRA Certificate
1.25%$1k-2 Year Roth IRA Certificate
1.25%$1k-2 Year Coverdell ESA Certificate
1.15%$1k-18 Month IRA Certificate
1.15%$1k-18 Month Roth IRA Certificate
1.15%$1k-18 Month Coverdell ESA Certificate
1.10%$4k-15 Month IRA Certificate Special
1.10%$4k-15 Month Roth IRA Certificate Special
1.10%$4k-15 Month Coverdell ESA Certificate Special
0.90%$1k-1 Year IRA Certificate
0.90%$1k-1 Year Roth IRA Certificate
0.90%$1k-1 Year Coverdell ESA Certificate

Rates updated: 5/24/2012

Data for Q4 2011


Institution Statistics


COMMUNITY FIRST
NCUA #66642
BankRate ReportView
Year Chartered1975
Employees268
Primary Regulator

Assets and Liabilities

Assets$1.59 billion
Loans$1.18 billion
Deposits$1.41 billion
Equity Capital$153.31 million
Loan Loss Allowance$5.22 million
Unbacked Noncurrent Loans$9.36 million
Real Estate Owned$2.13 million

Historic Data - December 2010

Assets$1.45 billion
Equity Capital$129.77 million
Loan Loss Allowance$4.39 million
Unbacked Noncurrent Loans$7.64 million
Real Estate Owned$1.72 million

Profit Margin - Quarterly

Net Interest Margin3.95%
Return on Assets1.45%
Return on Equity15%
Interest Income$59.50 million
Non-Interest Income$16.91 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Community First CU (WI) had $11.5 million in non-current loans and owned real-estate with $158.53 million in equity and loan loss allowances on hand to cover it. This gives Community First CU (WI) a Texas Ratio of 7.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Community First CU (WI) held steady from 6.97% as of December 31, 2010 to 7.25% as of December 31, 2011, resulting in a negative change of 3.98%. This indicates that the balance sheet and financial strength for Community First CU (WI) has held steady in recent periods.
Deposit Growth5
In the past year, Community First CU (WI) has increased its total deposits by $115.88 million, resulting in 8.93% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community First CU (WI) has shown is excellent.
Capitalization3
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community First CU (WI) has $1.59 billion in assets with $158.53 million in equity, resulting in a capitalization level of 9.99%, which is average.
Write Review

Rude Customer Support
1 stars - rpg16 - Tuesday, March 8, 2011 - 8:22 PM

I recently received a statement through my local credit union stating I had a rejection on a direct deposit.  When I went to inquire about the rejected direct deposit they told me it was an issue with the other party.  I contacted the other party and found out that there was no problem with the deposit and that it had been processed.  I called my credit union and talked to a representitve and she said that it was human error and that it was rejected by a computer gliche.  I still have not come to a conclusion and had the money deposited in my account to to finding the accountability of who is at fault and in that time I had overdrafted my account by default and had to take responsibility. I currently am paying off my overdraft and changing banks.

3

Great Institution!
5 stars - minnesotagirl - Wednesday, May 2, 2012 - 1:20 AM

Had a really good experience with CFCU! Thank you all for your great service!

2