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Apply Now Introducing Digital Account Opening Opening a new account at Community First in minutes, with our new Digital Account Opening Experience! Open Account Welcome! Make a Payment Digital Banking High Yield Checking Money Markets Loans Today’s Rates View all Rates AUTO LOAN as low as 4.49 % APR PERSONAL LOANS as low as 8.94 % APR VISA® CREDIT CARDS as low as 11.74 % APR MONEY MARKETS as high as 1.50 % APY Welcome to Community First, the new local. Your Local Northern California Credit Union Here for Good The new local brings together the cozy familiarity and warm connectedness of the place you live and work with all the ultra-modern conveniences you expect. We’re like Cheers…for your money. And since we’re a not-for-profit cooperative, your dollars STAY LOCAL— supporting your neighbors and the local economy, not Wall Street. See what we're all about In your Community We have 12 branches staffed by friendly CFCU'ers. 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