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New Membership

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Eligibility


Community Financial is a state-chartered credit union, serving members who reside, work, attend school, or worship in Michigan. If you have questions please visit our website www.cfcu.org/about or call us at (877) 937-2328.

You will need the following information in order to complete the application:
Government issued ID/Drivers License/State ID or Passport with current address
Your mailing address
Social Security Number
Date of Birth
Select your eligibility
I am a Current Member.
I do one of the following in Michigan...
Qualifications
I am an Immediate Family or Household Member of a Qualifying Person
I am a Fiduciary for member or person who qualifies for membership.
I am a spouse or personal representative of a qualifying decedent.
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Required Products
Select the following products required for membership
Basic Savings

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APY: 0.05% Min Deposit: $5.00


In addition, select one of the following products
Available Products
Free Checking

•$5 to open •No minimum balance requirements •No direct deposit restrictions.

APY: --

Premier Checking

Earn 3.00% APY on balances up to $7,500.  No minimum balance requirement or monthly maintenance fees.

APY: 3.00%

Money Market Account

•$5,000+ needed to open & earn dividends •account allows six (6) electronic withdrawals per month

APY: 0.10%

Asset Management Account

•$20,000+ needed to open & earn dividends •account allows six (6) electronic withdrawals per month

APY: 0.15%

Prestige Asset Management

•$50,000+ needed to open & earn dividends •account allows six (6) electronic withdrawals per month

APY: 0.20%

Select Money Market

•$100,000+ needed to open & earn dividends •account allows six (6) electronic withdrawals per month

APY: 0.25%

Premier Money Market

•$250,000+ needed to open & earn dividends •account allows six (6) electronic withdrawals per month

APY: 0.30%

13 Month Special Certificate

•Special 13M Certificates for investments of $1,000+, IRAs of $500+, Student Certificates of $100+ •Certificate will renew at current 12 month rate at the end of its original term. •Dividends compound and are paid quarterly. •Bonus rates of up to .20% on certificates of $10,000+ based on Member Rewards status.

APY: 0.40% Min Deposit: $1,000.00

29 Month Special Certificate

•Special 29M Certificates for investments of $1,000+, IRAs of $500+, Student Certificates of $100+ •Certificate will renew at current 24 month rate at the end of its original term. •Dividends compound and are paid quarterly. •Bonus rates of up to .20% on certificates of $10,000+ based on Member Rewards status.

APY: 0.80% Min Deposit: $1,000.00

90 Day Certificate

•90 Day Certificates available for investments of $1,000, IRAs of $500+, Student Certificates for $100+ •Bonus rates of up to .20% on certificates of $10,000+ based on Member Rewards status. •Dividends compound and are paid quarterly.

APY: 0.10% Min Deposit: $1,000.00

180 Day Certificate

•180 Day Certificates available for investments of $1,000, IRAs of $500+, Student Certificates for $100+ •Bonus rates of up to .20% on certificates of $10,000+ based on Member Rewards status.•Dividends compound and are paid quarterly.

APY: 0.10% Min Deposit: $1,000.00

1 Year Certificate

•1 Year Certificates available for investments of $1,000, IRAs of $500+, Student Certificates for $100+ •Bonus rates of up to .20% on certificates of $10,000+ based on Member Rewards status. •Dividends compound and are paid quarterly.

APY: 0.26% Min Deposit: $1,000.00

2 Year Certificate

•2 Year Certificates available for investments of $1,000, IRAs of $500+, Student Certificates for $100+ •Bonus rates of up to .20% on certificates of $10,000+ based on Member Rewards status.

APY: 0.72% Min Deposit: $1,000.00

3 Year Certificate

•3 Year Certificates available for investments of $1,000, IRAs of $500+, Student Certificates for $100+ •Bonus rates of up to .20% on certificates of $10,000+ based on Member Rewards status. •Dividends compound and are paid quarterly.

APY: 1.01% Min Deposit: $1,000.00

4 Year Certificate

•4 Year Certificates available for investments of $1,000, IRAs of $500+, Student Certificates for $100+ •Bonus rates of up to .20% on certificates of $10,000+ based on Member Rewards status. •Dividends compound and are paid quarterly.

APY: 1.17% Min Deposit: $1,000.00

5 Year Certificate

•5 Year Certificates available for investments of $1,000, IRAs of $500+, Student Certificates for $100+ •Bonus rates of up to .20% on certificates of $10,000+ based on Member Rewards status.•Dividends compound and are paid quarterly.

APY: 1.33% Min Deposit: $1,000.00

Student Savings

Student or Minor Savings Accounts can be opened for members age 0-23 and are fee-free accounts. These accounts are accessible at Community Financial Student-Run Credit Unions or any branch office. You may also use our online and mobile services to monitor your account.

APY: 0.05% Min Deposit: $0.00

Alternate Savings

•Only $5 to open •A great way to set aside funds for things like taxes or vacations •$100 minimum to earn dividends •account allows six (6) electronic withdrawals per month •No fees

APY: 0.05%

Super Saver

•$1,000 to open & earn dividends •Can be set up as overdraft protection for your checking account •account allows six (6) electronic withdrawals per month •$5 monthly fee waived based on Member Rewards Club status.

APY: 0.10%

Holiday Club

Only $5 to open. A great way to set aside funds for holiday expenses. No minimum to earn dividends. No fees. Funds in the account will be transferred to the basic savings on November 1st of each year.

APY: 0.05%

APY (Annual Percentage Yield)
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Thank you for considering us for your financial services needs. We are sorry that we cannot continue with your application for the following reasons:

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If this was a mistake and you would like to fix errors you can return to the application now.


Funding

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Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.

'Doing Business As' Information

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'Doing Business As' Information
DBA Business Information
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Your Business Tax ID is used for identification purposes.
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
DBA Physical Address

Tell Us About Yourself

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Tell Us About Yourself
Personal Information
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment

To speed your account opening, please upload a copy of your drivers license.  If you are also applying for a loan, you may  upload documents related to your application, such as, a current paystub, a purchase agreement or proof of insurance. 

Co-Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Minor Applicant Information

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Tell Us About Yourself

Joint Applicant Information

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About Your Joint Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment
To speed your account opening, please upload a copy of your drivers license.  If you are also applying for a loan, you may  upload documents related to your application, such as, a current paystub, a purchase agreement or proof of insurance. 

Beneficiaries Information

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Tell us about your beneficiaries
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.