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Community First

PO Box 6004, Santa Rosa, CA 95406
NCUA Insured4.2 (93 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1959

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 6004

Santa Rosa, CA 95406

Service Area

This credit union is located in Santa Rosa and serves members in the CA area. Currently serving 58,779 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.04%

Used Auto Loan

7.29%

Personal Loan

18.99%

Credit Card APR

11.74%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(13 total)

Member Reviews

4.2

93 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Jmoney

Jmoney

4 months ago

I paid off my car in August and STILL have not received my title to my vehicle. I called and was informed that it was “delivered”……it never was and they then informed me they could send me a slip to go to the DMV and get a new title (which I’m assuming will probably cost me money) and guess what it’s been over a month and the slip never came. So not only did these people lose my title I’ve had to call and do a song and dance to get the paperwork so I can go get a new one THREE different times. These people are always lovely on the phone but this is deeply unprofessional and one of the most annoying things I’ve had to deal with.

Arianna Suarez Godinez

Arianna Suarez Godinez

a month ago

Deceptive practices, they break federal regulations and when I tried to submit a complaint about the issue I am having with their staff, they told me they don't know my rights and have to escalate it to a manager. Mind you, this is the second complaint against this individual, third complaint against the company since getting my car loan. Awful service from a majority of the branches and call centers are not much better.

Jay Soderling

Jay Soderling

9 months ago

This place is kind of a joke. Recently, after Vocality Credit Union was acquired by Community First I applied for a refinance of my car loan. My credit score was above 765 with ample income and low debt ratios. My loan was denied. I guess they review loan application using the old tea leaf approach. My advise is bank somewhere else.

Valerie Raymond

Valerie Raymond

4 years ago

I have been coming to Community First CU for more than a year now and I am so impressed and grateful for the customer service I have been provided! I first purchased a car through them at an exceptional interest rate and soon switching my banking locally as well. Bonnie the branch manager is always so friendly, calls me by name before I'm even at the window. She has gone above and beyond to help and assist me with all of my banking. She follows up with me promptly and is never shy to extend a hand or get me answers to my many questions. Her service has been above my expectations and I couldn't be any happier and always know my banking and security is in the BEST hands! Bonnie has treated me with so much respect always, regardless of how busy she is! Thank you again Bonnie and Community First!

Kelly Morales

Kelly Morales

4 years ago

This bank is amazing when it comes to customer service and Bonnie she deserves more than 5 starts. I reached out to get assistance with my loan account and Bonnie ended up helping me with my account and helped open up a new loan. She worked really fast and we got my loans paperwork completed way before the end of the day. She is definitely saved in my contact list for when I need help at the bank. Overall the bank is great and Bonnie makes it easier to bank there.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).