Community First Credit Union Review: One-Stop Banking

Learn about Community First's online banking and more.

Community First Credit Union has nearly 45 years of experience helping people in Northeastern and East Central Wisconsin manage their money. Boasting 134,947 members, Community First offers banking, insurance and investment products and works to make a positive impact on the communities it serves.

Read on to learn more about the credit unions near you.

Community First Credit Union at a Glance
Advantages Disadvantages
  • Financial products and services for every life stage
  • Member-owned
  • 25 branches plus online banking
  • Must live, work or go to school in the service area to join
  • Limited lobby and call-center hours
  • Members can be hit with a lot of fees

What You Need to Know About Community First Credit Union

Community First strives to be a one-stop shop for its members. With a broad range of products and services and a strong focus on community, Community First appeals to those who prefer to work with a local bank that can provide everything from checking and savings accounts to auto, mortgage and personal loans, as well as insurance and investments.

Best for:

  • Individuals who need ongoing financial advice
  • College students
  • Real estate investors
  • Consumers who value a personal touch over bells and whistles
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Community First Credit Union reviews express disappointment over the bank’s fees and a less-than-stellar online banking experience, but for many consumers, the benefits of credit-union membership outweigh the drawbacks.

Check Out: How a Credit Union Membership Could Save You More Money

Best Features of Community First Credit Union

Each Community First Credit Union product has several options to give you the flexibility to save, manage and invest your money wisely in the way that best serves your financial goals. And because the credit union is governed by an unpaid, member-elected board of directors, you get the peace of mind of knowing the union puts your needs first.

Community First Credit Union
Features Benefits
  • Flexible banking options include online, physical branches, call center, Tellerphone, ATM
  • Free appointments with Community First Financial Advisors
  • StudentSmart products and services
  • Bank however and whenever it’s most convenient.
  • Get expert advice on growing and managing your money.
  • Get a checking account, and credit card designed especially for students, plus free ATMs and online banking.

Community First Credit Union Rates

Interest rates on checking, savings and money market accounts are competitive, as are credit card rates, which range from 8.99% APR to 18.99% APR. Mortgage rates are also competitive. Auto loan rates are slightly high compared to the credit unions that have the best auto loan rates but Community First has a car-shopping service to help you find the best deal.

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Investment Opportunities Through Community First Credit Union

Investment options offered at all branches include CDs and IRAs. You can also work with a Community First Financial Advisor to review your insurance needs and build and manage your investment portfolio.

Community First’s Real Estate and Personal Loans, Business Banking and More

Community First has several personal loans to choose from, including a standard signature loan, a secured loan for all-terrain vehicles and jet skis, and a Kiwk-Cash line of credit.

In addition to conventional mortgage and home-equity loans, Community First can finance your building lot or rental property.

Business banking and credit card products at Community First are designed for flexibility and convenience. The Community First website has helpful resources such as business plan and balance sheet templates, plus a business loan application.

A special Money Tools section on the Community First website has resources such as financial calculators, plus links to free financial-education articles and seminars.

Online Banking at Community First Credit Union

Use Community First online banking tools to watch your account activity, create and manage a budget, pay bills, and transfer funds.

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Understand: Advantages and Disadvantages of Credit Unions

Terms and Conditions for Banking With Community First

You must live, work or go to school in one of the following Wisconsin counties to be eligible for membership:

  • Outagamie
  • Winnebago
  • Calumet
  • Manitowoc
  • Kewaunee
  • Waupaca
  • Brown
  • Fond du Lac
  • Green Lake
  • Oconto
  • Shawano
  • Sheboygan
  • Waushara

Building a Long-Term Relationship With Community First Credit Union

Community First Credit Union is an excellent choice for consumers looking to develop a relationship with a financial institution that can serve all their immediate and long-term needs. Although other banks and credit unions offer better rates and fewer fees, Community First’s free financial advice and investment assistance can more than make up the difference.

Click through to read more about the best credit unions anyone can join.

More on Banking

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of GOBankingRates alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article. All fees and rates are subject to change at the issuers’ discretion. Some interest rates might be short-term or promotional offers only, and it is possible additional terms and conditions must be met in order to obtain the interest rates listed. Rates and availability might vary by region. Verify terms and conditions before opening an account. 

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About the Author

Daria Uhlig

Daria Uhlig is a personal finance, real estate and travel writer and editor with over 25 years of editorial experience. Her work has been featured on The Motley Fool, MSN, AOL, Yahoo! Finance, CNBC and USA Today. Daria studied journalism at the County College of Morris and earned a degree in communications at Centenary University, both in New Jersey.

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