Community First Credit Union (WI) CDs Are Rate Leaders

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Deal Summary: CDs – 1-year (1.20% APY), 18-month (1.30% APY), 2-year CD (1.40% APY), 3-year (1.50% APY), and 5-year CD (1.75% APY), $1k minimum.

Availability: 13 northeastern Wisconsin counties.

In the past eight months, I’ve written three blog posts about a variety of limited-time CD Specials offered by Community First Credit Union (Community First). The last of those competitive CD Specials has expired, but the majority of Community First’s regular CDs have become rate-leaders, as the musical-chair rate changes continue. All of these CDs can be opened with $1k minimum opening deposit and have no stated balance caps.

APYMINMAXINSTITUTIONPRODUCTDETAILS
1.70%$1k-Community First Credit Union (WI)5 Year CD
1.45%$1k-Community First Credit Union (WI)3 Year CD
1.30%$1k-Community First Credit Union (WI)2 Year CD
1.15%$1k-Community First Credit Union (WI)18 Month CD
1.10%$1k-Community First Credit Union (WI)1 Year CD
Rates as of October 29, 2020.

The CDs are also available as IRAs (Traditional, Roth, and CESA) earning the same APY, with the same deposit requirements.

APYMINMAXINSTITUTIONPRODUCTDETAILS
1.70%$1k-Community First Credit Union (WI)5 Year IRA (Traditional, Roth, CESA)
1.45%$1k-Community First Credit Union (WI)3 Year IRA (Traditional, Roth, CESA)
1.30%$1k-Community First Credit Union (WI)2 Year IRA (Traditional, Roth, CESA)
1.15%$1k-Community First Credit Union (WI)18 Month IRA (Traditional, Roth, CESA)
1.10%$1k-Community First Credit Union (WI)1 Year IRA (Traditional, Roth, CESA)
Rates as of October 29, 2020.

According to CSR, all CDs have an Early Withdrawal Penalty of 180 days interest, with partial withdrawals permitted.

Dividends are compounded/credited monthly and can be added back into the CD, transferred to another Community First account, or a check can be mailed to the address on file.

Maturing funds will be distributed through a check or transferred into an existing Community First checking or savings account.

Availability

Headquartered in Neenah, Wisconsin, Community First Credit Union’s field of membership (FOM) is residency based, with individuals who live, work, or attend school in the Wisconsin counties of Brown, Calumet, Fond du Lac, Green Lake, Kewaunee, Manitowoc, Oconto, Outagamie, Shawano, Sheboygan, Waushara, Waupaca, or Winnebago, eligible to join.

Community First had planned on re-opening the lobbies of all 25 Wisconsin branches on July 6, 2020, but,

current trends have put those plans on pause for the health and safety of everyone. We encourage you to continue to visit our drive-thrus, call or make an in-person appointment.

According to CSR, making an in-person appointment can be done by calling 920.830.7200.

It’s easy and can be done days in advance or on short notice,
even from the parking lot. We will be glad to welcome you.

After your new membership is approved, opening a CD can be done by phone or by special appointment.

Current Community First members can open a CD by phone (920.830.7200 or 866.273.2328), by using the Online Banking platform, or by scheduling an in-branch appointment. (IMO, it’s surprising that credit union as large as Community First has no online membership application.)

Your Community First Regular Savings account establishes your Community First membership. A $5 minimum deposit gives you a share of ownership and access to all benefits of credit union membership.

Credit Union Overview

Community First Credit Union has an overall health grade of "A+" at DepositAccounts.com, with a Texas Ratio of 1.14% (excellent) based on June 30, 2020 data. In the past year, Community First has increased its total non-brokered deposits by $584.52 million, an excellent annual growth rate of 21.75%. Please refer to our financial overview of Community First Credit Union (NCUA Charter # 66642) for more details.

While most credit unions owe their existence to groups of people with common bonds joining forces, Community First Credit Union seems to have been single-handedly established by Maurice Dresang. In 1953, Dresang organized the Outagamie County Credit Union and was subsequently asked in 1966 to manage the Zwickernit Credit Union, and the Postal Employees Credit Union in 1969. In 1970, Dresang brought all three credit unions under one roof at the Appleton Credit Union Service Center.

The Appleton Area Credit Union (composed of Outagamie, Zwikernit and Postal Employees CUs) obtained a charter in 1975 and merged with the 13 Service Center credit unions in less than three years. The Community First Credit Union re-brand occurred in 1983. As Wisconsin’s third largest credit union, Community First currently has more than 143,000 members and assets in excess of $3.8 billion.

How the CDs Compare

When compared to the similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available within the FOM, all of Community First Credit Union's CD APYs currently rank first.

The above rates are accurate as of 9/7/2020.

Looking for the best CD rates, either nationwide or state-specific? Please refer to our CD Rates Table page.

Related Pages: Green Bay CD rates, 1-year CD rates, 5-year CD rates

Comments
sherritroy321
  |     |   Comment #1
where are the phone #?????????????????????????????????
alan1
  |     |   Comment #2
here are the phone #!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Call 920.830.7200
Live personal service: Monday-Friday: 7:00 am – 6:00 pm; Saturday: 7:00 am – 1:00 pm CST

OR

866-273-2328
P_D
  |     |   Comment #3
Marcus just dropped savings account from 0.80% to 0.60%.

Bless their hearts, they are still notifying you of rate changes by email.
Community First Credit Union 2-Year CD Has Top Rate In Wisconsin
Update 8/18/2020: Community First Credit Union's CD rates have fallen since the day of publication.

Deal Summary: 2-year CD (1.55% APY) and 5-year CD (1.95% APY), $1k minimum.

Availability: 13 northeastern Wisconsin counties.

In April, I wrote about two limited-time CD Specials offered by Community First Credit Union (Community First). While those Specials are no longer available, two of Community First’s regular CDs have competitive APYs that qualified for inclusion in the most recent CD Rates Summary. Both the 2-year CD (1.55% APY) and the 5-year...

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Community First Credit Union (WI) Adds 13- and 20-Month CD Specials
Deal Summary: CD Specials – 13-month (1.80% APY) and 20-month CD (1.80% APY), $10k minimum.

Availability: Residents of 13 northeastern Wisconsin counties.

Since 2015, Community First Credit Union (Community First) has been offering competitive limited-time CD Specials. This past January, Community First unveiled a 16-month CD Special, earning 2.30% APY; that CD Special was available for about three weeks. Community First is currently offering a 13-month and 18-month CD Special, both earning 1.80% These limited-time offers require a minimum deposit of $10k, with no stated balance...

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Community First Credit Union (WI) Adds 16-Month CD Special
Deal Summary: 16-month CD Special, 2.30% APY, $10k minimum.

Availability: Residents of 13 northeastern Wisconsin counties.

Last week, Community First Credit Union (Community First) unveiled a 16-month CD Special, which earns 2.30% APY. This limited-time offer requires a minimum deposit of $10k, with no stated balance cap.

The CD Special is also available as an IRA (Traditional, Roth, and CESA) earning the same APY, with the same funding requirements.

I’m not sure what the Early Withdrawal Penalty (EWP) is. In the past, CSR stated that the EWP for 15-month...

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Community First Credit Union (WI) Adds 15-Month CD - 3 Days Only
Deal Summary: Spooktacular 15-month CD, 3.15% APY, $10k minimum, only available October 29-31, 2018.

Availability: Residents of 13 northeastern Wisconsin counties.

Now through Halloween, Community First Credit Union (Community First) is offering a Spooktacular 15-month CD, which earns 3.15% APY. The minimum deposit is $10k, with no stated balance cap.

This is a straightforward CD with no special requirements, like new money or a checking relationship. As the promotion page states,

No tricks – just treats and one Spooktacular Certificate of Deposit.

The CD is also available as an...

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Community First CU (WI) Adds Two CD Specials
Availability: Residents of 13 northeastern Wisconsin counties.

Community First Credit Union (Community First) has added a 17-month CD Special (1.17% APY) and 47-month CD Special (2.17% APY). The minimum opening deposit for either of these limited-time offerings is $4k, with no stated balance cap.

The CD is also available as an IRA (Traditional, Roth, and CESA) earning the same APY, with the same funding requirements.

According to the fine print on the Rates page, the APY for either CD Special can be increased.

**BONUS** Add .10% to both 17 &...

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