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.

Please click here for our branch hours. 

For the holiday closing schedule please click here.

Please click here for the list of CFFCU holiday closings.
 

You can change your address in Online Banking by clicking on the Member Options tab. You can also complete and print the Change of Address form and mail or drop it off to one of CFFU branch locations.

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.

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

We send payments electronically whenever possible. We send electronic payments to thousands of companies across the U.S. every day. People can receive electronic payments directly to their bank account through Popmoney.

If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. 

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.

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.
• Send money electronically to people using Popmoney. They receive notification by email or text message.
• Transfer money from one account to another.

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.

All of our current rates can be found here. 

CFFCU does not offer business checking accounts. 

Please complete the Stop Payment Form and mail or bring to any of the branch locations. The fee for a Stop Payment is $30.

Please download the wiring instructions Wiring Instructions.

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 one of our branch locations or call us at 800.526.7328 and we will be able to assist you with that. 

Please call one of our branches at 800.526.7328 to set up access for the cross-account transfers.

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

Our Routing and Transit Number is 272 479 728

For CFFCU Fee Schedule please click here.

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

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

To report lost or stolen Debit Card, simply call 833.933.1681. Contact CFFCU at 800.526.7328 to order a new card during our regular business hours.

Click here to learn about MobiMoney to help you manage your card and protect it from possible fraudulent activity.  

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. 

Please click here for an explanation and authorization form of our Debit Card Overdraft Protection. Simply mail or bring it to one of our branch locations. Once completed and submitted, our Credit Committee will review it for eligibility and reach out to you. 

Please call our Fraud Dispute Department at 866.279.1399 and file a dispute over the phone. 

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

We offer student Loans through Smart Option Student Loan® by Sallie Mae®. Get more information here.

Pay your CFFCU VISA bills online with EZCardInfo.

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

• Make a payment by transferring funds from E-Teller, 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 either Brownstown or Ecorse branch
• Mail your payment to CFFCU (18925 Telegraph Road, Brownstown, MI 48174)

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. 

Please contact our Loan Department at 800.526.7328. option 4. 

The quickest way to apply for a loan with CFFCU is to complete an online loan application. You can also visit one of our branches to apply. 

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 to make an appointment. 

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. 

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

We offer a variety of loans including personal loans, auto loans, motorcycle loans, recreational vehicle loans, home equity loans, lines of credit, and credit cards. Click on the Loans and Credit Cards tab on our website to learn about which you fits your needs. Call us at 800.526.7328 during business hours for more information. 

Click here for CFFCU current loan rates.

Almost anybody living, working, worshipping, volunteering or studying in the Downriver communities can join Community Focus FCU. To become a member simply visit one of our locations, bring your $5.00 share deposit and a .25 cent membership fee. For more details, please click here. 

At this time, you can open a CFFCU account by coming in to any of our branch locations. 

You are eligible to join Community Focus Federal Credit Union if:

• You live, work, worship, attend school in one of the following Downriver 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
• Your family members or relatives are Community Focus Federal Credit Union members

Yes. You can transfer funds in the Mobile App. 

For security reasons, all password changes need to be done via the web browser in Online Banking or in person at one of our branch locations. For Online Banking simply login and choose the Member Options tab to update your password. 

Use a web browser and log in to your account at www.communityfocusfcu.org to verify that the service is available and working properly. You can also uninstall the app, power off your mobile device, then power it back on and reinstall the app. If it is still not working, please call CFFCU at 800.526.7328 or use a web browser to login to your Online Banking account.

Go to the Settings on your Mobile App and select Quick Login. You will be able to set up the fingerprint option as your preferred method of logging in. 

Yes. It is safe because the app uses the same SSL encrypted communication protocol as the web browser. As an additional security precaution, the inactivity time-out period feature will automatically log you out from the server when you are no longer using the app. 

For security reasons, all email updates need to be done via Online Banking. Simply, login in to Online Banking and choose the Member Options tab to update your password. 

Yes. You can download our Mobile App from GooglePlay or AppStore. Simply search for "Community Focus FCU" app and download it to your mobile device. 

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.

Your Online Banking Login ID is your Member Account Number. 

Yes! Simply select the "Apply for a Loan" tab in the Online Banking menu on the left. 

Due to security reasons, the Forgotten Password will only work if your email address has been confirmed. Confirming your email address will allow you to utilize the “Forgot Password” feature in Online Banking.

Instructions to confirm email address are below:

1. Log into Online Banking
2. On the left side of the screen click the Member Options tab
3. Select Email Address
4. Select “Send Confirmation number”. This will send a confirmation containing a number code to your email address.
5. Open the message from Online Banking in your email and click on the link to confirm your email address.
6. In the Online Banking screen, copy and paste or type in the number code sent to your email address in the field box provided.

Due to security reasons, all password updates/changes must be done via Online Banking instead of of Mobile App. Once the password is changed in Online Banking, then you can use that same password to log in to the Mobile App. 

Setting up e-Alerts is easy. Log in to Online Banking and select e-Alerts tab on the left. Below are all the e-Alerts that can be set up to be delivered to your phone or email address:

• Balance Alerts - inform you of the balance in your share on a day and time of your choice. 
• Low Balance Alerts - you can set up the balance amount that will trigger the alert to be sent out if your balance is below your selected amount.
• Transaction Alerts - you can set up the minimum transaction amount for deposits or withdrawals to trigger the alert to be sent out. 
• Login Alerts - you can set up an alert to inform you every time there is a successful login attempt or an unsuccessful login attempt. 
• Personal Alerts - you can set up an an alert in the form of a custom message to be sent out. This can be helpful in setting up reminders for reoccuring activities on your account. 

Please call one of our branches at 800.526.7328 to set up access for the cross-account transfers.

Simply follow the link for New User at the top of our website at www.communityfocusfcu.org. If you need step-by-step instructions, please review the Help page.

All password resets must be done by accessing Online Banking through the website. Online Banking passwords cannot be changed via the Mobile App. In order for the password reset to work successfully, your email address must be set to "Confirmed" status in Online Banking. 

Here are the Online Banking Password Reset Instructions:

1. Enter your account number in the user ID field
2. Copy and paste the temporary password from your email into the password field
3. Select login
4. Once logged in, Online Banking will ask one of the three security questions you have previously set up
5. Next Online Banking will ask for the current password. This is the temporary password sent by the Credit Union to your email.
6. Create a new password. The password must be at least 6 characters long containing an upper case letter, lower case letter and a number. The new password cannot be one of the 5 previous passwords used.
7. Online Banking will then ask you to confirm your new password
8. Once Online Banking accepts the new password it will log out and have you log back in with the new password you created.

Confirming your email address will allow you to utilize the “Forgot Password” feature in Online Banking if your password is not working.
Instructions below will help you set that up:

1. Log into Online Banking
2. On the left side of the screen click the Member Options tab
3. Select Email Address
4. Select “Send Confirmation number”. This will send a confirmation containing a number code to your email address.
5. Open the message from Online Banking in your email and click on the link to confirm your email address.
6. In the Online Banking screen, copy and paste or type in the number code sent to your email address in the field box provided.

Yes. You can make CFFCU loan payments in Online Banking. Simply click on "Make a Payment" tab in Online Banking. 

To change your address in Online Banking, please click on the tab Member Options and select Address.

You can view your credit score in Online Banking by accessing the Savvy Money tab on the right side of the screen. Once you are registered, your credit score will be updated daily. You will also be able to view your score rating, payment history, credit usage, and credit inquiries. 

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 one of our branch locations or call us at 800.526.7328 and we will be able to assist you with that. 

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.

QuickPay is an online tool that offers you a fast, easy and secure way to make your Community Focus Federal Credit Union loan payments online using a Credit Card, Debit Card or your account from other financial institutions. 

We offer many options to make your online loan payments:

• ACH withdrawals from your Savings or Checking account at another financial institution
• Debit Cards accepted: VISA, Mastercard, Discover
• Credit Cards accepted: Mastercard, Discover

To pay your loan from your Community Focus FCU account, please use our Online Banking. 

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 follow the link https://www.communityfocusfcu.org/eservices/payments/quick-pay and then click on "Make A Payment." You will then be able to regiser with your Community Focus Federal Credit Union account and be able to set up your loan payments.

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. 

All of our current rates can be found here. 

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.

Please call one of our branches at 800.526.7328 to set up access for the cross-account transfers.

Our Routing and Transit Number is 272 479 728

It's easy. Simply call SpeedyLine at 800.405.3040. 

SavvyMoney is 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.

Credit Score 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 Credit Score is available for both mobile and tablet devices and is integrated inside our mobile application. On the Mobile App, it is under the “More” menu and “Credit Scores”

No, Community Focus Federal Credit Union uses its own lending criteria and credit bureau reports for decisioning a loan. SavvyMoney Credit Score 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 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.

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.

The SavvyMoney Credit Score 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.

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 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.