--- title: "Community Financial Credit Union Rates (Nov 2026): CDs to 1.10%" description: "Community Financial Credit Union rates today: savings & CDs up to 1.10% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Community Financial Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/community-financial" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Community Financial Credit Union Rates (Nov 2026): CDs to 1.10% ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Auto Loan** auto_any_36mo | — APR | 4.740% | 36 mo | Standard | | **60-Month Auto Loan** auto_any_60mo | — APR | 5.540% | 60 mo | Standard | | **Boats & RVs (2024-2022)** boat | — APR | 7.240% | — | Standard | | **Recreational Loan Rates (48 Months)** powersports_any_48mo | — APR | 7.240% | 48 mo | Standard | | **48-Month Auto Loan** auto_any_48mo | — APR | 10.240% | 48 mo | Standard | | **Auto Loan** auto | — APR | 10.240% | — | Standard | Community Financial Credit Union auto & vehicle rates as of November 10, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.500% | — | Standard | Community Financial Credit Union heloc rates as of November 10, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Debt Consolidation Loan** personal | — APR | 9.740% | — | Standard | Community Financial Credit Union personal loan rates as of November 10, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Personal Loan & Credit Card Rates (60 Months)** credit_card | — APR | 9.740% | — | Standard | | **Personal Loan & Credit Card Rates (Revolving)** credit_card | — APR | 11.990% | — | Standard | | **Personal Loan & Credit Card** credit_card | — APR | 13.990% | — | Standard | Community Financial Credit Union credit card rates as of November 10, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Basic Savings** savings | — APY | 0.05% | — | Standard | | **6-Month (182-Day)** cd_6mo | — APY | 1.05% | 6 mo | Standard | | **Certificate** share_certificate | 1.05% APY | 1.05% | — | Standard | | **$2,000** savings | — APY | 1.10% | — | Standard | | **Money Market** money_market | 1.10% APY | 1.10% | — | Standard | | **$10,000** savings | — APY | 3.50% | — | Standard | | **Certificate** share_certificate | — APY | 3.94% | — | Standard | | **7-Month Certificate** cd_7mo | — APY | 3.94% | 7 mo | Standard | | **11-Month Double Bump Special Certificate*** cd_11mo | — APY | 4.18% | 11 mo | Standard | | **New Money Certificate** share_certificate | — APY | 4.18% | — | Standard | | **$5,000,000** savings | — APY | 4.20% | — | Standard | Community Financial Credit Union savings & cd rates as of November 10, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **APR as low as*** other | — % | 4.750% | — | Standard | Community Financial Credit Union other rates as of November 10, 2026 Savings and certificate yields up to 1.10% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/community-financial) , verified from [Community Financial Credit Union's official website](https://www.cfcu.org/) Loading branch locator… ## About Community Financial Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 86.4K Assets $1.5B Founded 1951 Locations reported 13 NCUA charter 68631 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**University of Michigan** Northville Township · Northville · MI · 48168 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/university-of-michigan) [**Christian Financial** Plymouth · Plymouth · MI · 48170 About 3.0 miles away](https://rateapi.dev/credit-unions/michigan/christian-financial) [**DFCU Financial** DFCU - Plymouth Township · Plymouth · MI · 48170-2126 About 3.3 miles away](https://rateapi.dev/credit-unions/michigan/dfcu-financial) [**Vibe** Canton Branch · Canton · MI · 48187 About 3.6 miles away](https://rateapi.dev/credit-unions/michigan/vibe) [**Lake Trust** Plymouth Town Center · Plymouth · MI · 48170-2220 About 3.7 miles away](https://rateapi.dev/credit-unions/michigan/lake-trust) [**Michigan Schools and Government** Canton · Canton · MI · 48187-2944 About 4.2 miles away](https://rateapi.dev/credit-unions/michigan/michigan-schools-and-government) 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 Financial Credit Union Membership eligibility from Community Financial Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Community Financial Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer orsa credit union Verified from [Community Financial Credit Union's membership page](https://orsacu.org/about) . Final membership determination is always made by the credit union. ## Membership rules for Community Financial Credit Union Employers · Family 2 3 published paths to membership, last verified August 21, 2026, quoted from Community Financial Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of orsa credit union “Employees of this credit union” > [source ↗](https://orsacu.org/about) - Employee of orsa credit union ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Finally, any immediate family member of an orsa member can also join us.” > [source ↗](https://orsacu.org/about) - Family member of a member - Family of a member spouse “A spouse of a deceased member if accepted into membership prior to remarriage.” > [source ↗](https://orsacu.org/about) - Family member (spouse) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Community Financial Credit Union? Yes No ## Work at Community Financial Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Community Financial Credit Union ranks against Michigan peers. - See which AI assistants fetched Community Financial Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=community-financial&state=michigan&code=MI&name=Community%20Financial%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Community Financial Credit Union offer? Community Financial Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 10, 2026 directly from the credit union's official website. ### How often are Community Financial Credit Union rates updated? RateAPI verifies Community Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 10, 2026. ### Where does RateAPI get Community Financial Credit Union's rate data? Rate data is collected directly from Community Financial 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 Financial Credit Union's best CD rate? As of November 10, 2026, Community Financial Credit Union offers savings and certificate (CD) yields up to 1.10% APY. ### Who can join Community Financial Credit Union? Community Financial Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 employer for Community Financial Credit Union, each quoted from Community Financial Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Community Financial Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.cfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Community Financial Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Community Financial Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /community-financial " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Community Financial Credit Union locations Search, filter, and browse all 13 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/community-financial Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp