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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

APY: 0.05% Min Deposit: $5.00

In addition, select one of the following products

Available Products

Checking Savings Money Market Certificate Account

Free Checking

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

APY: 0.00%

Money Market Account

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

APY: 0.50%

13 Month Special Certificate

•Special 13M Certificates for investments of $100 or more. •Certificate will renew at current 12 month rate at the end of its original term. •Dividends compound and are paid quarterly.

APY: 4.30% Min Deposit: $100.00

29 Month Special Certificate

•Special 29M Certificates for investments of $100 or more. •Certificate will renew at current 24 month rate at the end of its original term. •Dividends compound and are paid quarterly.

APY: 4.40% Min Deposit: $100.00

90 Day Certificate

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

APY: 0.25% Min Deposit: $100.00

180 Day Certificate

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

APY: 0.75% Min Deposit: $100.00

1 Year Certificate

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

APY: 0.85% Min Deposit: $100.00

2 Year Certificate

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

APY: 0.80% Min Deposit: $100.00

3 Year Certificate

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

APY: 0.75% Min Deposit: $100.00

4 Year Certificate

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

APY: 0.75% Min Deposit: $100.00

5 Year Certificate

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

APY: 0.75% Min Deposit: $100.00

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%

High Yield Savings

•Earn 10.00% APY on balances up to $1,000 •Balances over $1,000 earn 0.10% •Only $5 to open •No fees

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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We have cancelled your application.

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

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Funding

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Total Deposit

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Credit Card (max $500.00)

Mail A Check

Internal Transfer

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This account does not have sufficient balance to cover the total required deposit.

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

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

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

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Mailing Address

Country

Address

Zip

City

State

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Personal Information

Suffix (Jr., Sr., etc.)

Date of Birth

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

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Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

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.

Click or tap here to capture or upload an image or document.

Additional Information

Under penalties of perjury, do you certify that (1) the number shown on this form is Your correct taxpayer identification number? ; (2) You are not subject to backup withholding either because You have not been notified You are subject to backup withholding as a result of failure to report all interest dividends, or the Internal Revenue Service (IRS) has notified You that You are no longer subject to backup withholding; (3) You are a U.S. person (including U.S. resident alien)?*

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

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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

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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

Done

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.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

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Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Additional Information

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About Your Joint Applicant

Personal Information

Suffix (Jr., Sr., etc.)

Date of Birth

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Click or tap here to capture or upload an image or document.

Additional Information

Fund via Internal Transfer

Fund via Credit Card

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Transfer from another financial institution

Co-Driver's License Scan

Driver's License Scan

New Membership

Application Cancelled

Funding

Fund via Internal Transfer

Fund via Credit Card

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Transfer from another financial institution

'Doing Business As' Information

Tell Us About Yourself

Co-Driver's License Scan

Driver's License Scan

Minor Applicant Information

Joint Applicant Information