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Category: Manual

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Manual

Boat and RV Loans

BOAT AND RV LOANS

ADVENTURE CALLS

On land or by water, we understand some people just have to keep moving.

Finance your hobby and let the good times roll

Purchase a new or used boat, motorhome, recreational vehicle, or trailer with low-cost financing from Community First. Let us help you find the right loan product to fit your hobby and your budget.

 

  • Flexible terms up to 120 months
  • Competitive rates
  • Financing up to 80%

Refinance your boat or recreational vehicle loan

If you’re paying too much with your current loan, Community First can help. We’ll refinance your boat, motorhome, recreational vehicle, or trailer with a new interest rate and flexible terms.

Enjoying a weekend away just got easier. Get the gear you need for great times with family and friends by applying for a boat loan or RV loan today.

Apply Online

Disclosure
Advertised Annual Percentage Rate (APR) may change without notice. Loans, line of credit, and credit cards are subject to credit approval.

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Manual

Automobile Loans

AUTOMOBILE LOANS

THE VEHICLE YOU WANT. THE LOAN YOU NEED.

Drive your new wheels off the lot with a great deal on your auto loan.

Take control of dealership negotiations

Know before you go. Apply for your new car loan or new truck loan and use this leverage to negotiate a better price on the vehicle you really want. Community First offers low-cost auto loan options for new or used vehicles.

  • Flexible terms
  • Competitive rates
  • Financing up to 100%
Call now for today’s rates or apply online for an Auto Loan.
Apply Online

Disclosure
Advertised Annual Percentage Rate (APR) may change without notice. Loans, line of credit, and credit cards are subject to credit approval.

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Manual

Home Equity Loans

HOME EQUITY LOANS

LOVE YOUR HOME, LOVE WHAT IT CAN DO FOR YOU

You’ve got ideas for your home. We’re here to help you make them happen.

Second Mortgage

Consider a second mortgage if you’d prefer to receive a large upfront sum of funds to be paid off over time with a fixed monthly payment.

A second mortgage makes sense when:

  • Large home remodeling projects or expensive home repairs
  • Covering your kids’ college tuition
  • Paying off high-interest credit card debt

Home Equity Line of Credit (HELOC)

Consider a Home Equity Line of Credit if you prefer the flexibility to borrow only what you need. A HELOC gives you the maximum amount available on the equity in your home and stays open, so you can pay down your balance or borrow more at your discretion.

 

A HELOC makes sense when:

  • Covering recurring home repairs
  • Paying for a series of smaller home improvement projects
  • Access to immediate funds in the event of an emergency
  • When you’re not sure exactly how much money you need

Your home is powerful. Put some of that power to work for you.

Apply Online

Disclosure
Advertised Annual Percentage Rate (APR) may change without notice. Loans, line of credit, and credit cards are subject to credit approval.

Categories
Manual

Construction Loans

CONSTRUCTION LOANS

LET’S BUILD YOUR DREAM TOGETHER

From the set of plans through turning the key to your dream home, our construction loans help you lay a strong foundation for your future home.

Benefits of a Construction Loan

  • Financing based on construction plans
  • Covers the cost of materials & work on your new home
  • Variable rate
  • Loans up to 12 months

Construction to Permanent Loans

Looking for one simple loan that transitions you from the construction phase into a traditional mortgage? A Construction to Permanent Loan could be exactly what you’re looking for.

 

  • Choose from a range of permanent loan options to match your needs
  • Save on closing costs with a single closing
  • Build your dream home with financial planning similar to purchasing

Experience that Matters

Let our experienced lending team walk you through the process for financing the building of your new home. We’ll help you choose the loan product that’s right for your construction plans and financial situation.

 

Whether you’re still in the beginning stages of planning or have blueprints in hand and are ready to break ground, Community First is here to help. Start building your future today.

Apply Online

Disclosure
Advertised Annual Percentage Rate (APR) may change without notice. Loans, line of credit, and credit cards are subject to credit approval.

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Manual

Personal Loans

PERSONAL LOANS

LOANS THAT FIT YOUR LIFESTYLE

Whether you’re looking for that freedom-on-the-open-road feeling or are investing in your first or forever home, we have loans suited for your budget and your dreams.

Simplify your mortgage

Transform possibility into opportunity with our full range of home loan products at your fingertips:
 

Home Loans LETS GET STARTED…

  • FHA and VA programs
  • Refinance
  • Fixed and adjustable-rate mortgages
  • Construction/Permanent loans
  • Second mortgages
  • Jumbo mortgages
  • Lot Loans

Home Equity Lines of Credit (HELOC) READ MORE…

  • Remodeling
  • College tuition
  • Dream vacation
  • Consolidate debt

 

Read more about our Freddie Mac loans.
CLICK HERE

Loans that fit your lifestyle

No matter where the road leads you, let us make sure you have the vehicle you need. Our personal loans are here to make it easier to achieve the life (and vehicle) you are after:

Don’t put your mortgage dreams on hold, make them a reality.

Start Here

Disclosure
Advertised Annual Percentage Rate (APR) may change without notice. Loans, line of credit, and credit cards are subject to credit approval.

Categories
Manual

Individual Retirement Accounts (IRA)

INDIVIDUAL RETIREMENT ACCOUNT

SAVE FOR THE GOLDEN YEARS AND ENJOY ALL THE ONES IN BETWEEN

Individual Retirement Accounts let you save money for retirement and get a tax break for doing so. You’re going to need income during retirement, and these accounts can help you build the savings and wealth you’ll need to live the lifestyle you love.

Individual Retirement Account Features

  • $100 minimum to open
  • No maintenance fees
  • Unlimited FREE access to Personal Online Banking + Mobile Banking
  • Interest tiered on daily balance, compounded daily and credited quarterly

Consider an IRA if you:

  • need to save money for retirement (hint: you do)
  • want to potentially cut your tax bill
  • want a variety of investments to choose from

TRADITIONAL VS ROTH IRA?

There are several Individual Retirement Account options – we offer both Traditional and Roth IRAs. See how they compare and which may be the right for you.

Traditional IRA

With Traditional IRAs, your funds grow tax-deferred and contributions can be tax-deductible.

  • Anyone can contribute to a Traditional IRA account – there’s no income cap
  • When it comes to tax time, you may be able to deduct your contributions and reduce your overall tax bill. There are a few limitations, so ask your banker for more information.
  • You won’t owe income taxes until you withdraw money from your account (i.e., you’ll pay taxes on both the contributions and earnings at the time you withdraw the money)

Roth IRA

In a Roth IRA, your money grows tax-free and your withdrawals during retirement are tax-free.

 

  • Not everyone can contribute to a Roth IRA – there’s an income cap that prevents higher earners from contributing
  • You can’t deduct your contributions come tax time, but you never owe taxes on the investment gains in your account so you can withdraw money tax-free in retirement
  • With a Roth IRA, you have some withdrawal flexibility and can take out your contributions any time without penalty

STILL NOT SURE? CONTACT OUR LENDING TEAM TO DISCUSS YOUR OPTIONS TODAY.

Make your retirement years as golden as they should be. Set up your IRA today.

Disclosure
Traditional IRA distributions are taxed as ordinary income. Distributions from Traditional and Roth IRAs may be subject to taxes. Please speak to a qualified tax specialist for more information.

Categories
Manual

Certificate of Deposit (CD)

CERTIFICATE OF DEPOSIT

UPGRADE YOUR PIGGY BANK

IS A CD RIGHT FOR ME?

How much is your piggy bank paying you these days? Don’t stash your longer-term savings under your mattress or leave them in an account that’s not working for you. CDs are a great way to save and grow your money over the long term.

CD Account Features

  • $500 minimum to open
  • No maintenance fees
  • Unlimited FREE access to Personal Online Banking + Mobile Banking
  • Interest tiered on daily balance, compounded and credited annually; compounded and credited at maturity for terms less than 12 months
  • Automatically renewable with your choice of maturity options

Consider a CD if you:

  • Are willing to keep your funds in the account for at least 6 months
  • Want fixed-rate interest that won’t be affected by current market fluctuations
  • Want to set it, forget it, and let it grow

IF YOU NEED YOUR FUNDS TO BE LIQUID IN CASE OF EMERGENCIES, A CD MAY NOT BE THE RIGHT FIT. CHECK OUT OUR SIMPLY SAVINGS OR PERSONAL MONEY MARKET ACCOUNTS.

Ready for your savings to do more than gather dust? Open your Certificate of Deposit Account today.

Disclosure
Please refer to our Terms and Conditions for more information about interest and your accounts. A penalty may be imposed for early withdrawal.

Categories
Manual

Personal Money Market Account

Personal Money Market Account

MAKE YOUR MONEY MULTIPLY

A Money Market Account is a great option for savers who wish to earn higher interest rates than a traditional savings account without locking funds into a fixed deposit. It’s more flexible than a CD, letting you withdraw cash at the branch whenever you like or use your MasterCard® debit card up to a set debit limit.

Personal Money Market Features

  • $50 minimum to open
  • $10 monthly maintenance fee (waived with $500 minimum balance)
  • Unlimited FREE access to Business Online Banking + Mobile Banking
  • No charge to access Telephone Banking
  • Withdrawals at no charge
  • MasterCard® debit card (non-ATM transactions included in debit limits)

 

 

 

Interest is tiered on daily balance, compounded daily and credited monthly as follows:

  • $0.01 to $2,499
  • $2,500 to $29,999
  • $30,000 to $99,999
  • $100,000 to $199,999
  • $200,000 and over

Consider a Personal Money Market Account if you:

  • Use your checking account for most ATM withdrawals and debit card purchases
  • Want the peace of mind knowing that your savings is always available
  • Wish to take advantage of tiered interest on a larger balance

CONSIDER A PERSONAL CERTIFICATE OF DEPOSIT FOR FUNDS YOU DON’T NEED ACCESS TO. WE OFFER COMPETITIVE RATES AND FLEXIBLE MATURITY OPTIONS TO HELP YOU REACH YOUR LONG-TERM SAVINGS GOALS. CONSIDER A PERSONAL CERTIFICATE OF DEPOSIT FOR FUNDS YOU DON’T NEED ACCESS TO. WE OFFER COMPETITIVE RATES AND FLEXIBLE MATURITY OPTIONS TO HELP YOU REACH YOUR LONG-TERM SAVINGS GOALS.

Get started on growing your savings today.

Disclosure
Rates subject to change. Please refer to the Terms and Conditions for more information.

Categories
Manual

Personal Savings

PERSONAL SAVINGS

BE PREPARED FOR ALL OF LIFE’S RAINY DAYS

For whatever you’re saving for, we’ll help you get there. Savings account options for you, your children, and the long-term health of your family.

Simply Savings Account

Earn more, save more, do more.

  • Competitive interest rates
  • Low monthly maintenance fees
  • Unlimited banking access
  • Mastercard debit card (checking account required)
Contact Us

Youth Savings Account

Money management for the littlest people in your life.

  • Competitive interest rates
  • No minimum balance
  • No monthly maintenance fees
  • Unlimited access to telephone banking
Contact Us

Health Savings Account

For life’s unexpected medical expenses.

  • Carry a high deductible health insurance plan
  • No charge for withdrawals
  • Low monthly maintenance fee
  • Mastercard debit card to access funds
Contact Us

Personal Money Market

Are you looking for an account that pays higher interest? Then the Personal Money Market account is for you!

Features include:

  • Competitive Interest rates.
  • Low monthly maintenance fee.
  • Unlimited access to online banking.
  • MasterCard debit card (non-ATM transactions included in debit limits).
Learn More...

Individual Retirement Account (IRA)

We offer Individual Retirement accounts which are tax advantaged investment tools that can be used to earmark funds for retirement savings. Features of the IRA account include:

  • Competitive Interest rates.
  • No monthly maintenance fees.
  • Unlimited access to Telephone banking.
  • Traditional and Roth
EXPLORE...

Certificate of Deposit (CD)

Certificates of Deposit offer the flexibility of various terms to fit your need for savings. Features include:

  • Minimum opening deposit.
  • No maintenance fees.
  • Unlimited access to online banking at no charge.
  • Flexible terms
Learn More...

View our Fee Schedule

View our Savings Rates

If you’re ready for savings that simplify and prepare you for the twists and turns of life, apply here.

(Need multiple accounts? Let’s make it happen.)

Disclosure
Rates subject to change. Please refer to the Terms and Conditions for more information.

"I have maintained my personal and business relationships through the merger of Security Federal Bank."
- Brian Jack, Farm Supply CompanyElizabethton, TN Market
- Brian Jack, Farm Supply Company
“Community First was really, really helpful in guiding us to achieve our dream of opening our restaurant.”
- Nely ATILANO, Charros Mexican Restaurant, Co-ownerCharlotte, NC Market
- Nely ATILANO, Charros Mexican Restaurant, Co-owner
"Community First Bank partnered with us when the larger banks didn’t want to fund our startup venture."
- Eric McCullan, Deep South DefenseSeneca, SC Market
- Eric McCullan, Deep South Defense
“WE TRUST THEM, WE TRUST GIVING OUR MONEY TO THEM, WHEN WE ARE BANKING WITH THEM WE FEEL WE ARE BANKING WITH FAMILY.”
- Sajel Patel, Owner, Palms on Main StreetWalhalla, SC Market
- Sajel Patel, Owner, Palms on Main Street
Categories
Manual

Personal Checking

PERSONAL CHECKING

BANK YOUR WAY, EVERY DAY

Whether it’s swiping your card for your morning coffee, writing a check for daycare, or ordering a new sofa online – checking is part of your everyday life. You might as well make it simple and rewarding.

START YOUR JOURNEY

Do you maintain a minimum balance of $2,500 in your account?

PERKS PLATINUM

Do you have a cell phone or look for deals when you shop?

PERKS PLUS

Do you want a low cost account with basic benefits?

FREEDOM CHECKING

Anywhere Banking Tools

Online banking, mobile banking, bill pay, debit card and eStatement.

BaZing Fuel

Earn 10¢/gal for up to 20 gallons each month with just 15 debit card swipes.

Billshark

Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.

Buyer’s Protection and Extended Warranty

Items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, using your BaZing checking account.

ID Theft Aid

Includes identity restoration & payment card resolution, personal identity theft benefit, credit monitoring & credit report, credit score & scoretracker, score simulator, and identity monitoring.

Roadside Assistance

Available 24/7 and free to use, up to $80 in covered service charges.

Health Savings Card

Save money on prescriptions, eye exams, frames, lenses and hearing services.

Cell Phone Protection

Receive up to $600 per claim ($1,200 per year) if your cell phone is broken or stolen.

Shop Local, Save Local with BaZing Savings

Local discounts and national retailer deals to save you money on shopping, dining, travel & more.

$10,000 Travel Accidental Death Coverage2

Peace of mind for the unexpected.

Great Interest on Your Checking Balance

Our best checking rate.

1 Subject to the terms and conditions detailed in the Guide to Benefits. 2 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL  OVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. 3 Billshark, identity monitoring, and credit monitoring each require  additional activation to begin. 4 You’ll receive a one-time  activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures.
BaZing Fuel offer may be changed at any time and without notice.

Maintain a $2,500 monthly minimum balance or $10,000 in relationship deposits and we’ll waive the $12 monthly fee.

$5 paper statement fee.

Only $8 per month.

$5 paper statement fee.

Maintain a $100 monthly minimum balance and enroll in eStatements and we’ll waive the $9 monthly fee.

*Fee waived for anyone 62+ or college students with a valid ID
$5 paper statement fee.

Are you ready for uncomplicated checking that simply serves your needs…

CONTACT US
USING THE FORM BELOW

Contact Request

"I have maintained my personal and business relationships through the merger of Security Federal Bank."
- Brian Jack, Farm Supply CompanyElizabethton, TN Market
- Brian Jack, Farm Supply Company
"We are so thankful to Community First for helping us stay in business through the pandemic."
- ANGEL ATILANO, Charros Mexican RestaurantCharlotte, NC Market
- ANGEL ATILANO, Charros Mexican Restaurant
"We have been doing business with Community First Bank for over 10 years. We love the quick decision-making and friendly staff."
- Sajel Patel, Owner, Palms on Main StreetWalhalla, SC Market
- Sajel Patel, Owner, Palms on Main Street
“Community First Bank has provided more services with the same hometown service.”
- Stacy Street, Criminal Court Justice JudgeElizabethton, TN Market
- Stacy Street, Criminal Court Justice Judge
Community First Bank

BANK HOURS

LOBBY:
Mon-Thurs: 9am – 5pm
Fri: 9am – 6pm

DRIVE-THRU:
Mon-Thurs: 8:30am – 5pm
Fri: 8:30am – 6pm

 

Community First Bank, Inc BBB Business Review

Community First Bank
NMLS #607801

Quick Links

Pay Loan Online
Community First Bank

877-881-2130

864-364-6130

Community First Bank
NMLS #607801

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