Login > Rates Loan Rates - Effective Wednesday, December 1, 2021 Loan Type Rates as low as Terms & Information New Vehicle Loan » 2.74% Great Rates on New Cars 2017-2020 Used Auto » 3% Enjoy hometown service with a great rate on a like new auto! 2016 Used Auto » 5% Great Rates on Used Cars 2015 Used Auto » 5.5% Great Rates on Used Cars 2014 Used Auto » 5.75% Great Rates on Used Cars 2013 Used Auto and Older » 6.25% Great Rates on Used Cars Credit Cards 9.9% 1% Cash Back Rewards and More! Home Equity Loan 4.5% Tap into your house's equity and save money Unsecured Signature Loan » 9.5% using only your signature for collateral! Recreational/Equipment-New » 4.25% Boats, ATVs, etc | Equipment Loan to Help Your Business Grow Recreational/Equipment-Used » 4.75% Boats, ATVs, etc | Equipment Loan to Help Your Business Grow For current long term mortgage rates or a home equity line of credit, please call any one of our branches: (989) 352-6031 Certificate Rates - Effective Wednesday, December 1, 2021 Certificate Term APY Minimum Deposit 12 MONTH CD 0.2% $100 24 MONTH CD 0.35% $100 36 MONTH CD 0.5% $100 Savings Rates - Effective Tuesday, June 1, 2021 Account Type APY Minimum Deposit Minimum Balance REGULAR SHARES 0.05% $10 REGULAR SHARES 0.05% $2500.01 REGULAR SHARES 0.05% $10000.01 REGULAR SHARES 0.05% $25000.01 VACATION CLUB 0.05% $0 CHECKING 0.05% $1000 MONEY MARKET DRAFT 0.07% $2500 MONEY MARKET DRAFT 0.1% $10000 MONEY MARKET DRAFT 0.15% $25000 SUB SHARES 0.05% $0 SUB SHARES 0.05% $2500.01 SUB SHARES 0.05% $10000.01 SUB SHARES 0.05% $25000.01 Rates at a Glance APR* as low as: Vehicle Loans 2.74% Home Equity Loans 4.50% Credit Cards 9.90% ATM Locator Search for no-surcharge ATMS Branch Locator Search for shared branches © 2021 Community First Federal Credit Union Phone: 989-352-6031 Fax: 989-352-6171 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.