Use our ATM or Shared Branch Locator to find one near you. Your ATM and Debit Card transaction are surcharge-fee free for ATMs with the CO-OP Network logo. You are eligible for two free transactions per month at any Shared Branch if your CFFCU account has been opened for more than 90 days.

Some small companies, such as landscaping or cleaning services for example, may not assign you an account number. If you don't have an account number, you can enter other info that identifies you to the company you are paying. For example, you can use your service address or the name on the account.

If the company or person you want to pay does not receive electronic payments, we print a check and mail it for you. This process typically takes three to five business days.

If the company or person you're paying can receive electronic payments, the money is typically delivered in one to three business days. If the company or person you're paying cannot receive payments electronically, we mail them a paper check. This process typically takes three to five business days.

With the Payments Guarantee, you can be assured that your electronic payments are safe and reliable. When your payments are processed through Bill Pay, you are protected in the unlikely event of unauthorized transactions or processing delays.

The Payments Guarantee applies when all the payment and contact info provided is accurate.

Provide some info about the company or person you want to pay, and then tell us how much and when you want the payment made. We send your payment electronically when possible. If the person or company can’t accept electronic payments, we print a check and mail it for you.

The Payment Center lists the companies and people you can pay.

Enter a payment amount and the date when you want processing to begin. The date when the company or person receives the payment appears in the Deliver By field. You can also view and select the date from the calendar.

Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. You can pay companies, friends and family members, and service providers, such as the babysitter or the plumber.

Use Bill Pay to pay companies and people with addresses in the United States or its territories. You cannot use Bill Pay to send payments to addresses outside the United States. We don't recommend using Bill Pay to make state and federal tax payments or court-ordered payments. Such payments are discouraged and must be scheduled at your own risk.

Yes. Bill Pay uses several methods to ensure that your info is secure.

• SSL. Bill Pay uses SSL (secure sockets layer) which ensures that your connection and info are secure from outside inspection.
• Encryption. Bill Pay uses 128-bit encryption to make your info unreadable as it passes over the Internet.
• Automatic Sign Out. Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). This feature helps prevent another person from being able to resume your session if you walk away. For best security, don't use your browser's Back or Refresh buttons, and sign out immediately after you finish your tasks in Bill Pay.

Yes. Your personal info is used to help us maintain your account and verify your identity. We verify this info with a consumer credit reporting agency for your security and protection. The verification process does not affect your credit report, credit rating, or credit worthiness. Please review the Terms of Service in Bill Pay for a complete description of when Bill Pay must disclose info to third parties.

Yes, you can change a payment that has not started processing.

If the payment is sent electronically, the money is withdrawn from your account one business day after processing begins. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide.

For some checks, the money is withdrawn one business day after processing begins. For others, the money is withdrawn when the company or person deposits or cashes the check.

You receive electronic bills (eBill) in Payment Center of Bill Pay. When an eBill is due, it appears as soon as you select the company that sent it. You can simply click a link to enter the amount due and due date from the bill.

With Bill Pay you can pay any company or person you owe.

• Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. We send the money electronically whenever we can. If the person or company can’t accept electronic payments, we print a check and mail it for you.
• Review your payments and bills for the past 84 months in Activity. You can download your payment info to a comma-separated values (CSV) file. You can import the file into a number of different personal financial software applications.
• Transfer money from one account to another.

We send payments electronically whenever possible. We send electronic payments to thousands of companies across the U.S. every day. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. 

Bill Pay Member Service can be reached at 844-640-2011 between the hours of 7:00 AM - 1:00 AM ET, 7 days a week.

Please download the wiring instructions Wiring Instructions.

Our Routing and Transit Number is 272 479 728

All of our current rates can be found here. 

You can open a checking account at a CFFCU branch location.

If this is your first time ordering checks, please visit our branch or call 800.526.7328. You can re-order checks by following this link: http://reorder.libertysite.com/default.aspx. 

If your account is set up for cross-account transfers, you will be able to move money between those accounts with SpeedyLine. If you are not set up for cross-account transfers, visit our branch call us at 800.526.7328 and we will be able to assist you with that. 

Yes, you can use your Debit Card when you are out of town. Please make sure that we have an updated phone number on file for you so we can contact you if we notice any unusual transactions. We do not allow our Debit Card to be used when you are travelling outside of the country or for foreign transactions conducted online.

If you are planning to use an ATM while travelling out of town, we recommend using a surcharge-fee free CO-OP Network ATM. Find one near you here.

If you choose to use an ATM out of the CO-OP Network, you could incur additional charges with your transaction. 

PIN numbers are auto generated for the ATM Cards and come in the mail a couple days after you receive your card.

PIN numbers for the Debit Cards allow you to set your PIN number after activating your Debit Card on the phone. 

PIN numbers cannot be changed. You can always order a copy of the PIN number by contacting CFFCU at 800.526.7328.

Please call our Fraud Dispute Department at 877.805.2524 and file a dispute over the phone. 

To report lost or stolen Debit Card, simply call 877.805.2524 

There is one time membership fee of ¢25. This membership fee allows you to be a Community Focus full-fledged member with voting privileges. 

Your deposits are insured by the National Credit Union Share Insurance Fund, which is managed by The National Credit Union Administration, commonly referred to as NCUA. Backed by the full faith and credit of the United States, the Share Insurance Fund insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions. The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category.

You qualify for the membership at Community Focus if you live work, worship, attend school in one of the following communities:

• Allen Park
• Brownstown Township
• Ecorse
• Flat Rock
• Gibraltar
• Grosse Ile
• Huron Township
• Lincoln Park
• Melvindale
• River Rouge
• Riverview
• Rockwood
• Romulus
• Southgate
• Taylor
• Trenton
• Woodhaven
• Wyandotte

Also, 

Immediate family members of a Community Focus member qualify for the membership. 

You can fund your account in the following ways:

• Through an internal funds transfer from your existing Community Focus FCU account
• Through an ACH transfer from another financial institution where you have an account
• In person at the Community Focus FCU branch

You can open the following accounts online:

• Savings account, if you are a new member, or a side savings if you are already a member
• Checking account (only one checking per account)
• Money Market account
• Share Certificates 

You will need a minimum $5 deposit and a $0.25 membership fee to open an account at Community Focus FCU and become a member. 

All new account applications that are received by 3 p.m. are reviewed on the same business day. If a new account application is submitted after 3 p.m., it will be reviewed next business day. 

If you would like to join Community Focus FCU, it's best to apply online by following this link to Become a Member.

You may also apply in person at the Community Focus FCU branch. 

Please have the following documents ready when you apply: 

• Social Security Number
• Valid ID (driver's license or other government issued ID ex. State ID or passport)

To fund your accounts, you will also need:

• Account and routing numbers or a check if you apply online
• A check or cash if you apply in person 

Pay your CFFCU VISA bills online with EZCardInfo.

If you are having difficulty with the payment due date on your closed-end loan, please call our Loan Department at 800.526.7328 option 4. 

If you have already completed an application, a loan officer from the Mortgage Center will be in contact with you within 24 business hours of receiving your application. You can call the Mortgage Center at 800.353.4449.

A CFFCU loan officer will be in first contact with you within 24-48 business hours of receiving your loan application. If it has been longer than this, please use our chat feature to contact us or call the Loan Department at 800.526.7328 option 4. 

Please contact our Collections Department at 800.526.7328 option 5. 

To apply for a mortgage, please fill out an online application. 

Click here for CFFCU current loan rates.

We offer Platinum and Platinum Prefferred VISA Credit Cards. Get more information here. 

There are a number of ways to make a payment on your loan:

• Make a payment by transferring funds from Online Banking, Mobile App or SpeedyLine (800.405.3040) 
• Set up a scheduled, automatic payment
• Use QuickPay to make a payment by moving funds from another financial institution to pay on your loan at CFFCU
• Set up a bill payment from your primary financial institution
• Put your payment in the Night Deposit Box at the branch
• Mail your payment to CFFCU (18925 Telegraph Road, Brownstown, MI 48174)

Many of our loans can be closed electronically via E-Sign. Loan closings can be done at any CFFCU branch location. Please call 800.526.7328 or schedule an appointment online.

We offer a variety of loans including personal loans, auto loans, motorcycle loans, recreational vehicle loans, home equity loans, home equity lines of credit, personal loans, credit cards and mortgage loans. 

The quickest way to apply for a loan with CFFCU is to complete an online loan application. 

We ask that you bring the entire document that requires notarization. 

We ask that you and other signers do not sign documents before your notary appointment at the Credit Union. All signatures must be witnessed by a notary at the Credit Union. 

We ask that you bring a current state issued/government ID for all signers. An expired state issued/government ID will not be accepted. 

All signers must be physically present at the Credit Union for notary services.

It's easy. Simply call SpeedyLine at 800.405.3040. 

When you call SpeedyLine at 800.405.3040 you can check balances, transfer funds, check your last deposit and find out what checks have cleared.

Yes. SpeedyLine allows you to make CFFCU loan payments by transferring funds from your CFFCU savings and checking account.

If your account is set up for cross-account transfers, you will be able to move money between those accounts with SpeedyLine. If you are not set up for cross-account transfers, visit our branch call us at 800.526.7328 and we will be able to assist you with that. 

Due to NACHA rules, you can only use ACH withdrawals from your Savings or Checking account at another financial institution to make recurring payments on a Community Focus Federal Credit Union loan.

There is a convenience fee of $10 for each one-time payment.

There is a one-time convenience fee of $10 if you set up recurring loan payments. After that first convenience fee is paid, all other recurring payments to your Community Focus Federal Credit Union loan are free of charge.

If you make your payment before 7 p.m. EST, your payment will be applied to your loan the next business day. 

There is no limit to the number of payments you can make per month. 

You can make a payment to any Community Focus FCU loan type.

To enroll in QuickPay, please start here. 

The annual fees for the Safe Deposit Box service depend on the size of the box. 

3x5x18          $20.00

5x5x18          $30.00

3x10x18         $40.00

5x10x18         $50.00

10x10x18      $70.00

If you would like to open a Safe Deposit Box, please visit the Brownstown Branch. 

Yes, the money in your savings, checking, and share certificate accounts is insured to at least $250,000. This insurance is provided by the National Credit Union Administration (NCUA), a US government agency

You may establish one Savings Account under your Social Security number. However, you can create Side Savings Accounts that could be used for saving to accomplish different goals e.g. Holiday Savings Account or Vacation Savings Account. 

Yes. Our overdraft protection features automatic transfers from your regular savings account to your checking account as needed, subject to Regulation D. Learn more about Overdraft Protection.

Our Routing and Transit Number is 272 479 728

It's easy. Simply call SpeedyLine at 800.405.3040. 

All of our current rates can be found here. 

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.

SavvyMoney a comprehensive Credit Score program offered by your credit union, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and how your financial institution can help save you money.

SavvyMoney also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries. You will also be able to see details on your payment history, credit utilization and public records that show up on your account. When you check your credit report, there will be no impact to your score.

No. SavvyMoney is entirely free and no credit card information is required to register.

If you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed SavvyMoney site from within online banking.

No. Checking SavvyMoney Credit Score is a “soft inquiry”, which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Yes. SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile.

Yes, SavvyMoney is available for both mobile and tablet devices and is integrated inside our mobile application. 

SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

No, Community Focus Federal Credit Union uses its own lending criteria and credit bureau reports for decisioning a loan. SavvyMoney is an educational program that can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate.

SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

SavvyMoney makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from Annual Credit Report.com - Home Page, and then pursuing action with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within their SavvyMoney Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

SavvyMoney pulls the credit score based on the information of the primary account holder. If a Joint Account would like to benefit from this service, they should sign-up for a savings account where they are the primary account holder.

ScoreCard Rewards is a rewards program offering points for qualifying purchases. Points can be redeemed for a variety of items, such as merchandise, airfare, hotels, travel packages, gift cards and more. 

On your first visit to the site www.scorecardrewards.com, you will need to set up your profile with a username and password. You will also be asked to set up some security question and answers for password retrieval. Once you create your profile you will log in with your username and password. You may browse the rewards site by clicking on the “Browse Catalog” link from the log in page.

Simply use your ScoreCard Rewards participating card for your purchases. You will earn Points based on your qualifying net purchases (purchases minus returns and/or other related credits). You will earn Points as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding). You do not earn Points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Credits to your Account (such as for returns of purchases) will reduce the Points available in your account.

 ScoreCard Rewards on your Community Focus FCU Credit Card earns 1 Point per $1 spent 

 ScoreCard Rewards on your Community Focus FCU Debit Card (signature-based transactions only) earns 1 Point per $5 spent

No. A sufficient number of Points must be available in your account to redeem the reward you want. Points are not available for purchase.

You may order rewards anytime during the Program as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding) and you have enough Points to redeem the requested award.

Simply visit www.scorecardrewards.com. You can also call customer service at (800) 854-0790. You may also print an order form from www.scorecardrewards.com. Simply complete the form, including all information requested, and mail to the address printed on the form. Travel awards, airline tickets, vacation packages, and cruises may be ordered by calling and speaking with a Travel Services Representative. You may also use the online travel booking site to obtain select air awards. In addition, you may purchase additional airline tickets and make car and hotel reservations online. If you prefer, Travel Services Representatives can assist with booking both purchased as well as redeemed awards travel items.

Call Award Headquarters at (800) 854-0790.

Yes, if you already have a username and password for your Credit Card, you will have to create another username and password for your Debit Card.