Business Details
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services
Your Trusted Local Credit Union in Santa Rosa, CA
Community First Credit Union was founded in the 1950s by a group of Sonoma County teachers who sought to create a financial institution rooted in community values. Today, we serve over 60,000 members across Northern California, offering a full range of banking services including savings accounts, loans, credit cards, and insurance products. Our merger with Vocality Community Credit Union in 2025 expanded our reach while maintaining our commitment to local economic growth.We prioritize personalized service, competitive rates, and digital innovation through mobile banking and 24/7 customer support. Our mission remains to keep members' money local, supporting neighbors and businesses rather than large financial institutions.
Services
Personal Loans
Mortgages
Credit Cards
Savings Accounts
Auto Loans
Digital Banking
Insurance Services
Debit Cards
Checking Accounts
Financial Advice
Highlights and features
- We serve over 60,000 members across seven Northern California counties
- Our not-for-profit structure returns value directly to members
- We offer 24/7 digital banking with mobile check deposit capabilities
- We maintain 12 local branches with award-winning customer service
- Our merger with VCCU expands services while preserving local focus
Services
Personal Loans
Our personal loans offer flexible terms and competitive rates for various needs. Funds can be used for debt consolidation, home improvements, or unexpected expenses. With options for secured and unsecured loans, we help members achieve financial goals while maintaining affordable monthly payments.
Mortgages
We provide fixed and adjustable-rate mortgage options for home purchases and refinancing. Our local loan officers assist with pre-approvals, application processes, and finding the right mortgage product. Competitive rates and personalized service make homeownership more accessible for Northern California residents.
Credit Cards
Our credit card offerings include traditional, secured, and rewards cards with competitive interest rates. Features include fraud protection, mobile app management, and 24/7 customer service. Signature Rewards cards offer enhanced benefits for qualified applicants seeking premium credit solutions.
Savings Accounts
We offer multiple savings options including youth accounts, money markets, and certificates of deposit. Competitive interest rates help members grow their savings while maintaining liquidity. Special programs like high-yield youth accounts encourage early financial education and responsible money management.
Auto Loans
Our auto loan program covers new and used vehicle purchases with competitive APRs. We offer financing for both primary vehicles and specialty vehicles through our lending network. Members benefit from flexible terms, gap insurance options, and dedicated support throughout the vehicle financing process.
People
Scott Johnson
CEO
Scott Johnson leads Community First Credit Union with over 25 years of financial services experience. He champions community-focused banking while driving digital innovation and operational excellence across Northern California branches.
Questions
How do I access my account after the VCCU merger?
Log in to CFCU Digital Banking using your new credentials. Visit comfirstcu.org for detailed instructions or contact member service for assistance.
Are my existing loan terms changing with the merger?
No, all loan terms, rates, and payment schedules remain unchanged. Your loan will continue to be reported to credit bureaus as before.
What digital banking features are available?
Our mobile app offers check deposit, card management, bill pay, and real-time account monitoring. Download from Google Play or the App Store.
What insurance products do you offer?
We partner with TruStage to provide life, home, and auto insurance options. These products are available to all members through our financial services platform.
Can I use my existing VCCU checks and cards?
Yes, current checks and cards remain valid. New checks will reflect CFCU information when reordered, but no immediate changes are required for ongoing transactions.
Reviews (5)
John Wilhelm
May 23, 2021
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Worst customer service I've ever experienced. More like customer disservice. Extremely discourteous and snooty.
Lion G.
May 16, 2021
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Absolutely awful, Im personally taking my business elsewhere very soon. You cant even pay your Auto loan online with them. Its all done via transfers or in person.. TERRIBLE web interface to manage the account. Take your money elsewhere. If youre buying a car from any dealership and they recommend this place say absolutely not. You dont want the headache of this place. They are in no way equipped to handle real business.
Michael Hass
Apr 17, 2021
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Far better service when they were CCUSH and local. Charging $10 to pay using your debit card and not having an online bill pay outside of moving around accounts for a loan is beyond ridiculous. Vocality must set up a way to make vehicle loans a quick and easy single pay on their website instead of adding 10 bucks.
Cody Dillon
Jan 11, 2021
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They used to be ok. Not sure what happened. Countless problems this year alone. Will be closing my account once my stimulus clears. They failed to deposit $100 out of a $400 deposit recently. If I hadn't paid attention they'd have stolen a quarter of my deposit when I'm living check to check. Already moving over to Umpqua. I hope they shut down so no one else has to be let down time and time again.
Tom Hoover
Jul 26, 2020
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Save yourself some time and find a real bank.. I have an auto loan through them and I make every payment on time and they still try to charge me late fees even though I have proof that they deposited my check 7 days BEFORE it was due, with THEIR stamp showing they deposited it. They seem too small to have any REAL working systems in place. Feels like someone is running the bank out of their living room.. Stay away in my opinion.