Community First Credit Union

Santa Rosa, California
Last verified: August 3, 2026
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Verified rate book

Current Community First Credit Union rates

65 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

4 offers
Community First Credit Union mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Jumbo 30-Year Fixed30 year fixed6.531% APR6.500%—Standard
30-Year Fixed30 year fixed6.796% APR6.750%—Standard
Jumbo 15-Year Fixed15 year fixed6.051% APR6.000%—Standard
15-Year Fixed15 year fixed6.202% APR6.125%—Standard

Auto & vehicle rates

27 offers
Community First Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto4.290% APR4.290%—Standard
36-Month New Auto Loanauto_new_36mo4.290% APR4.290%36 mo · newStandard
60-Month New Auto Loanauto_new_60mo4.390% APR4.390%60 mo · newStandard
36-Month Used Auto Loanauto_used_36mo4.640% APR4.640%36 mo · usedStandard
72-Month New Auto Loanauto_new_72mo4.690% APR4.690%72 mo · newStandard
84-Month New Auto Loanauto_new_84mo5.190% APR5.190%84 mo · newStandard
60-Month Used Auto Loanauto_used_60mo5.290% APR5.290%60 mo · usedStandard
72-Month Used Auto Loanauto_used_72mo5.590% APR5.590%72 mo · usedStandard
96-Month New Auto Loanauto_new_96mo5.990% APR5.990%96 mo · newStandard
84-Month Used Auto Loanauto_used_84mo6.090% APR6.090%84 mo · usedStandard
36-Month Boat Loanboat_any_36mo7.590% APR7.590%36 moStandard
Motorcycle and ATV Loanmotorcycle_any_36mo7.590% APR7.590%36 moStandard
Motorcycle and ATV Loanmotorcycle_any_60mo7.840% APR7.840%60 moStandard
60-Month Boat Loanboat_any_60mo7.840% APR7.840%60 moStandard
60-Month RV Loanrv_any_60mo7.840% APR7.840%60 moStandard
72-Month Boat Loanboat_any_72mo8.090% APR8.090%72 moStandard
72-Month RV Loanrv_any_72mo8.090% APR8.090%72 moStandard
Motorcycle and ATV Loanmotorcycle_any_72mo8.090% APR8.090%72 moStandard
84-Month Boat Loanboat_any_84mo8.340% APR8.340%84 moStandard
Motorcycle and ATV Loanmotorcycle_any_84mo8.340% APR8.340%84 moStandard
84-Month RV Loanrv_any_84mo8.340% APR8.340%84 moStandard
96-Month Boat Loanboat_any_96mo8.590% APR8.590%96 moStandard
120-Month Boat Loanboat_any_120mo8.840% APR8.840%120 moStandard
120-Month RV Loanrv_any_120mo8.840% APR8.840%120 moStandard
144-Month RV Loanrv_any_144mo8.990% APR8.990%144 moStandard
180-Month RV Loanrv_any_180mo9.090% APR9.090%180 moStandard
180-Month Boat Loanboat_any_180mo9.090% APR9.090%180 moStandard

HELOC rates

7 offers
Community First Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Adjustable HELOCheloc_variable7.380% APR7.000%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed7.530% APR7.000%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed7.630% APR7.250%—Standard
5-Year Home Equity Loan (Fixed)heloc_fixed7.720% APR6.750%—Standard
20-Year Home Equity Loan (Fixed)heloc_fixed7.810% APR7.500%—Standard
HELOC (Fixed)heloc_fixed7.850% APR7.740%—Standard
Interest Only HELOCheloc_variable8.350% APR7.990%—Standard

Personal loan rates

8 offers
Community First Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
12-Month Unsecured Personal Loanpersonal_unsecured_12mo8.490% APR8.490%12 moStandard
24-Month Unsecured Personal Loanpersonal_unsecured_24mo8.740% APR8.740%24 moStandard
Unsecured Personal Loanpersonal_unsecured8.940% APR8.940%—Standard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo9.240% APR9.240%36 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo9.740% APR9.740%60 moStandard
72-Month Unsecured Personal Loanpersonal_unsecured_72mo9.990% APR9.990%72 moStandard
84-Month Unsecured Personal Loanpersonal_unsecured_84mo10.240% APR10.240%84 moStandard
48-Month Unsecured Personal Loanpersonal_unsecured_48mo17.240% APR17.240%48 moStandard

Credit card rates

1 offer
Community First Credit Union credit card rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card11.490% APR11.490%—Standard

Savings & CD rates

18 offers
Community First Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Money Marketmoney_market0.75% APY0.75%—Standard
Money Marketmoney_market0.80% APY0.80%—Standard
Advantage Money Marketmoney_market1.00% APY0.99%—Standard
Money Marketmoney_market1.00% APY0.99%—Standard
Money Marketmoney_market1.15% APY1.14%—Standard
Advantage Money Marketmoney_market1.25% APY1.24%—Standard
Advantage Money Marketmoney_market1.30% APY1.29%—Standard
Advantage Money Marketmoney_market1.40% APY1.39%—Standard
Money Marketsmoney_market1.50% APY1.50%—Standard
Advantage Money Marketmoney_market1.50% APY1.49%—Standard
36-Month Certificatecd_36mo3.00% APY2.96%36 moStandard
36-Month Certificateshare_certificate_36mo3.00% APY2.96%36 moStandard
18-Month Certificateshare_certificate_18mo3.10% APY3.06%18 moStandard
18-Month Certificatecd_18mo3.10% APY3.06%18 moStandard
12-Month Certificatecd_12mo3.30% APY3.25%12 moStandard
12-Month Certificateshare_certificate_12mo3.30% APY3.25%12 moStandard
6-Month Certificateshare_certificate_6mo3.55% APY3.49%6 moStandard
6-Month Certificatecd_6mo3.55% APY3.49%6 moStandard

As of August 3, 2026, Community First Credit Union offers a 30-year fixed mortgage at 6.531% APR. Vehicle loans available from 4.29% APR. HELOC rates from 7.38% APR. Personal loan rates from 8.49% APR. Credit card rates from 11.49% APR. Savings and certificate yields up to 3.55% APY.

Source: RateAPI.dev, verified from Community First Credit Union's official website

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About Community First Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
58K
Assets
$922.1M
Founded
1959
Locations reported
13
NCUA charter
61667
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

PatelcoSANTA ROSA · Santa Rosa · CA · 95401Branch in the same ZIPRedwoodDutton · Santa Rosa · CA · 95401Branch in the same ZIPCorporate America FamilySanta Rosa · Santa Rosa · CA · 95403About 4.3 miles awayFirst TechnologySanta Rosa Community Experience Center · Santa Rosa · CA · 95403-4802About 4.3 miles awaySonomaSonoma Federal Credit Union · Santa Rosa · CA · 95404-4110About 7.7 miles awaySea West Coast GuardPetaluma Service Center · Petaluma · CA · 94952-9102About 14.9 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Community First Credit Union

Membership eligibility from Community First Credit Union's own published criteria. How we verify this.

Community charter: live/work in Humboldt, Lake, Marin +4 more

  • LocationHumboldt, Lake, Marin, Mendocino, Napa, Sonoma, Trinity

Cost to join: About $25.

Verified from Community First Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Community First Credit Union offer?

Community First Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are Community First Credit Union rates updated?

RateAPI verifies Community First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get Community First Credit Union's rate data?

Rate data is collected directly from Community First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Community First Credit Union's mortgage rate?

As of August 3, 2026, Community First Credit Union offers a 30-year fixed mortgage at 6.531% APR.

What are Community First Credit Union's auto, rv, boat & motorcycle loan rates?

As of August 3, 2026, Community First Credit Union offers vehicle loans from 4.29% APR.

What is Community First Credit Union's HELOC rate?

As of August 3, 2026, Community First Credit Union offers home equity lines of credit from 7.38% APR.

What is Community First Credit Union's personal loan rate?

As of August 3, 2026, Community First Credit Union offers personal loans from 8.49% APR.

What is Community First Credit Union's best CD rate?

As of August 3, 2026, Community First Credit Union offers savings and certificate (CD) yields up to 3.55% APY.

Related Rate Data

Compare Community First Credit Union's rates against national credit-union benchmarks.

More California credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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