Community Financial Credit Union (MI)

Overview / Commentary
500 S Harvey St
Plymouth, MI 48170

Community Financial Credit Union (MI) is headquartered in PLYMOUTH and is the 15th largest credit union in the state of Michigan. It is also the 296th largest credit union in the nation. It was established in 1951 and as of March of 2024, it had grown to 336 employees and 84,109 members at 14 locations. Community Financial Credit Union (MI)'s savings rates are 19X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Community Financial is open to anyone (including business and legal entities) who lives, works, worships, or attends school within the state of Michigan. Immediate family members of membership-eligible individuals also qualify for membership.
See current membership details

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Reviews (2)

14% Up To 1K; Bonuses Of $750 Per & Bus Ck Very Good

apy of 14% only up to 1k; their bonuses for opening personal & business checking r worthwhile

Great APY For Savings

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Have had no issues with CFCU aside from them not using Plaid, so you have to manually verify external accounts, but it’s not anything more than a minor inconvenience.

I checked and as of this morning (1/31/23) they changed the APY on the savings 10%->14%. Definitely a nice surprise this morning!


Health Grade Components

NCUA #68631
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD-0.21%
Return on Equity - YTD-2.25%
Annual Interest Income$21.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.62B$1.58B
LoansQ1 2024vs Q1 2023$1.46B$1.47B
DepositsQ1 2024vs Q1 2023$1.37B$1.37B
Equity CapitalQ1 2024vs Q1 2023$148.3MM$152MM
Loan Loss AllowanceQ1 2024vs Q1 2023$8MM$4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$6.9MM$6.7MM
Real Estate OwnedQ1 2024vs Q1 2023$0$203K
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Always verify rates and promotions with the bank or credit union. We are not Community Financial Credit Union (MI); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Financial Credit Union (MI) Savings Account Rates

10.00%*$0$10kHigh Yield Savings Special
OTHER TIERS: 0.10% $1k+
0.10%$1k-Super Saver Account
0.05%$100-Basic Savings Account
0.05%$0-Youth Savings Account
0.05%$0-Holiday Savings Account
0.05%$0-IRA Savings Account
0.05%$0-Health Savings Accounts

Community Financial Credit Union (MI) Money Market Rates

4.20%*$5m*-Money Market Account
OTHER TIERS: 1.10% $2k - $15k | 1.30% $15k - $25k | 1.60% $25k - $50k | 1.70% $50k - $100k | 2.00% $100k - $250k | 2.50% $250k - $500k | 3.25% $500k - $1m | 3.50% $1m - $5m
4.20%*$5m*-IRA Money Market Account
OTHER TIERS: 1.10% $2k - $15k | 1.30% $15k - $25k | 1.60% $25k - $50k | 1.70% $50k - $100k | 2.00% $100k - $250k | 2.50% $250k - $500k | 3.25% $500k - $1m | 3.50% $1m - $5m

Community Financial Credit Union (MI) CD Rates

4.25%$1k-13 Month Share Certificate Special
1.21%$1k-1 Year President’s Club Certificate
1.21%$1k-2 Year President’s Club Certificate
1.16%$1k-180 Day President’s Club Certificate
1.10%$1k-5 Year President’s Club Certificate
1.05%$1k-3 Year President’s Club Certificate
1.05%$1k-4 Year President’s Club Certificate
0.65%$1k-90 Day President’s Club Certificate

Community Financial Credit Union (MI) IRA Rates

4.25%$500-13 Month IRA Certificate Special
1.21%$500-1 Year President’s Club IRA Certiificate
1.21%$500-2 Year President’s Club IRA Certiificate
1.16%$500-180 Day President’s Club IRA Certiificate
1.10%$500-5 Year President’s Club IRA Certiificate
1.05%$500-3 Year President’s Club IRA Certiificate
1.05%$500-4 Year President’s Club IRA Certiificate
0.65%$500-90 Day President’s Club IRA Certiificate


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