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Community First Credit Union – Ashtabula, Ohio

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Our Rates

Discover unparalleled savings and growth with Community First’s outstanding rates on loans and savings accounts, designed to maximize your financial potential and help you achieve your goals.

Family with a car and house

Rates effective on November 4, 2024

Loan Rates

Type

As Low As APR*

Term


New Cars & Trucks

4.75%

36 Months

New Cars & Trucks

5.75%

48 Months

New Cars & Trucks

5.75%

60 Months

New Cars & Trucks

6.50%

72 Months

New Cars & Trucks

8.00%

84 Months

New RV, Boat, Motorcycle, Jet Ski, Snowmobile

6.25%

36 Months

New RV, Boat, Motorcycle, Jet Ski, Snowmobile

7.75%

48 Months

New RV, Boat, Motorcycle, Jet Ski, Snowmobile

7.75%

60 Months

New RV, Boat, Motorcycle, Jet Ski, Snowmobile

8.50%

72 Months

New RV, Boat, Motorcycle, Jet Ski, Snowmobile

9.75%

84 Months

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Secured loan terms of 72 months require a loan amount in excess of $15,000.
Secured loan terms of 84 months require a loan amount in excess of $20,000.

Type

As Low As APR*

Term

Used Cars & Trucks

5.00%

36 Months

Used Cars & Trucks

6.00%

48 Months

Used Cars & Trucks

6.00%

60 Months

Used Cars & Trucks

7.00%

72 Months

Used Cars & Trucks

8.50%

84 Months

Used Classic Vehicles (25+ Yrs) – Inspection Required

6.00%

36 Months

Used RV, Boat, Motorcycle, Jet Ski, Snowmobile

7.00%

36 Months

Used RV, Boat, Motorcycle, Jet Ski, Snowmobile

8.75%

48 Months

Used RV, Boat, Motorcycle, Jet Ski, Snowmobile

8.75%

60 Months

Used RV, Boat, Motorcycle, Jet Ski, Snowmobile

9.50%

72 Months

Used RV, Boat, Motorcycle, Jet Ski, Snowmobile

10.50%

84 Months

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Secured loan terms of 72 months require a loan amount in excess of $15,000.
Secured loan terms of 84 months require a loan amount in excess of $20,000.

Type

As Low As APR*

Term

Visa Gold
(25-Day Grace Period on Purchases)

7.99%

No Annual Fee

Visa Platinum Rewards
Earns ScoreCard Rewards (25-Day Grace Period on Purchases)

11.50%

No Annual Fee

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See more on the Credit Card page

Type

As Low As APR*

Term

First Mortgage (360 Months Maximum)

Fixed / Variable

Home Equity Line of Credit (HELOC)

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Second Mortgage (No Closing Costs)

6.50% Fixed

0 to 5 Years

Second Mortgage (No Closing Costs)

6.75% Fixed

6 to 10 Years

Second Mortgage (No Closing Costs)

7.25% Fixed

11 to 15 Years

Second Mortgage (No Closing Costs)

8.00% Fixed

16 to 20 Years

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Learn more about our  Mortgages

Type

As Low As APR*

Term

Personal / Signature Loans (Unsecured)

10.50%

Up to 60 Months

Share / Certificate Loan (Term cannot exceed maturity of CD)

3.00% Over Dividend

Up to 60 Months

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Deposit Rates

Type

Dividend Rate

APY*

Regular Share Savings ($50 minimum to earn interest)

0.10%

0.10%

Special Savings Account

0.10%

0.10%

Christmas / Vacation Club ($5.00 Minimum)

0.10%

0.10%

Type

Dividend Rate

APY*

Amount Required

IRA Money Market Account ($250 Minimum)

1.00%

1.01%

Money Market Savings ($2,500 Min. to Avoid Fee)

0.50%

0.50%

$2,500 – $24,999

Money Market Savings ($2,500 Min. to Avoid Fee)

1.25%

1.26%

$25,000 to $74,999

Money Market Savings ($2,500 Min. to Avoid Fee)

1.50%

1.51%

$75,000 or More

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Secured loan terms of 72 months require a loan amount in excess of $15,000.
Secured loan terms of 84 months require a loan amount in excess of $20,000.

Type

Dividend Rate

APY*

Term

IRA Certificate ($500 Minimum)

4.00%

4.07%

6 Months

IRA Certificate ($500 Minimum)

4.00%

4.07%

7 to 10 Months

IRA Certificate ($500 Minimum)

4.00%

4.07%

12 Months

IRA Certificate ($500 Minimum)

3.50%

3.56%

24 Months

IRA Certificate ($500 Minimum)

3.00%

3.05%

36 Months

IRA Certificate ($500 Minimum)

3.00%

3.05%

48 Months

IRA Certificate ($500 Minimum)

3.00%

3.05%

60 Months

Type

Dividend Rate

APY*

Term

Share Certificate ($500 Minimum)

4.00%

4.07%

6 Months

Share Certificate ($500 Minimum)

4.00%

4.07%

7 to 10 Months

Share Certificate ($500 Minimum)

4.00%

4.07%

12 Months

Share Certificate ($500 Minimum)

3.50%

3.56%

24 Months

Share Certificate ($500 Minimum)

3.00%

3.05%

36 Months

Share Certificate ($500 Minimum)

3.00%

3.05%

48 Months

Share Certificate ($500 Minimum)

3.00%

3.05%

60 Months

*APY = Annual Percentage Yield. APR = Annual Percentage Rate

0.10% Bonus paid on Certificates of $50,000 or More for Terms of 2 – 5 Year

EARLY WITHDRAWAL PENALTIES (a penalty may be imposed for withdrawals before maturity)
The penalty we may impose will equal six months dividends on the amount withdrawn subject to penalty.

Your savings federally insured by NCUA to at least $250,000 and backed by the full faith and credit of the United States Government.

Effect of closing an account
If you close your share account before dividends are paid, you will not receive the accrued dividends.

Effect of fees
Fees could reduce the earnings on the account.

Individual Retirement Accounts (IRAs) at our credit union are also federally insured by NCUA up to $250,000. These accounts are insured separately from your other share accounts

Deposit accounts are also insured an additional $250,000 by Excess Share Insurance Corp for a total of $500,000 and IRA Accounts are also insured an additional $250,000 by Excess Share Insurance Corp for a total of $500,000.