We’re excited to continue bringing dreams to life in Detroit through the opening of our branch in the Motor City. 

We've Opened Our Doors in Detroit

It’s been a long time coming—from sponsoring the Detroit Roller Derby to helping raise funds for 14 new roofs in its Fitzgerald neighborhood through our 

 initiative—we’ve always had a special connection to Detroit.

Our Grand Opening celebration capped off the next step in supporting our neighbors in Detroit. A special shout-out to Grandmont Rosedale Development Corporation Executive Director Michael Randall, Detroit City Councilmember Latisha Johnson, Detroit Blight Busters CEO John George, and Michigan State Congresswoman Rashida Tlaib for taking part in this momentous occasion along with our 

Friends, community partners, and local leaders from around the state made it a night to remember. Thank you for sharing our vision and commitment for supporting Michiganders.

As a for-impact credit union, we do things a little differently, and this space reflects that. This branch is more than where you go to keep your finances in check. It’s a place where you can Belong and feel empowered to achieve the impossible.

Here are things you’ll notice about our new branch experience:

 Upon entering, our friendly team members are ready to welcome and walk with you toward your financial goals.

 for local groups to meet (during and after hours!).

What are ITMs? These new versions of ATMs offer all the same services as a traditional drive-thru experience, including upgrading the standard ATM experience with the option to connect with a Michigan-based team member through video chat. 

—the best of both worlds for your security and convenience.

Ready to experience the power of Belonging?

Our goal is to create a place where people can come together, whether it’s for financial guidance, community events, or just a friendly hello.

As we step into Detroit, we are proud to continue providing services that 

 and find out what we can achieve together. Wherever you are on your financial journey, we’re here for you through all of life’s moments.

Detroit Branch Opening

As an exclusive thanks to you, our new friends and neighbors, we're celebrating our newest branch in the D with a limited-time 3.13% APY money market special! 


See a Detroit team member or choose "other" at the button below to get started.

Make an Appointment

Limited time! Only in Detroit!

Doing the 313 right with 3.13% APY*

Become a Member

You Belong here, because we believe You Are Enuff

Not a member yet?

We've Opened Our Doors in Detroit!

What is The Family Financial Circle? It’s key to igniting your family’s wild dreams.

Families are built on more than shared DNA. They’re built on stories, lessons, and the values we pass down—often around the kitchen table. Money is a part of that story, whether we talk about it openly or not.

 means inviting every generation into the conversation—from kids learning about saving, to parents juggling big life goals, to grandparents enjoying retirement. It’s not just about building wealth; it’s about 

sharing the knowledge that keeps those wild dreams alive

How to build your Family Financial Circle:

It can be tough talk about money. Especially with your parents or kids. Getting over that deep rooted hangup will set your family on the track to success. Be open. Be transparent. Ask questions. Share not only the “how” but the “why” behind financial decisions.

If you don’t know the answer, it’s ok! As your credit union, we’re here to help. Not only can we answer questions, members can get 

, chart your own path with Fin-Life digital financial planning, and even get paid for making good financial decisions with our friends at Debbie. Learn more about all the ways we can help you build your personal financial smarts and wellness 

Any pro will tell you, experience is the best teacher. To start off, it could be as easy as inviting the kids to help with budgeting for a family vacation or choosing a charity to support for your 

. And when they’re ready, give them the responsibility of their own debit card to start learning the ins and outs of earning and spending. For your peace-of-mind, the 

 kids debit card gives you total parental control. (Even better, it’s free for members!*) At over 50 schools across the state of Michigan, they can even earn while learning at a 

Because getting them comfortable handling money now will set them up for life on their own. (Even if, as parents, we never want to imagine that!)

Money carries on long after we’re gone. Even small steps like designating a beneficiary can make a difference for our children and heirs.

It’s not just about who to leave your money to, planning helps prepare the family to handle inheritance, debts, funeral costs, and divisive financial decisions, so they don’t feel further emotional distress. It also helps you ensure that the money you worked hard to earn goes where you want it as much as possible.

Knowing the discussion is tough, we’re stepping up to help. Members can 

 through our partners at Trust & Will to help craft a legacy that sets your family up for the future. And we can help support you with financial adjustments after the death of a loved one through our exclusive partnership with 

While planning for the dark moments that affect us all can be a hard step, it goes a long way toward keeping the Family Financial Circle, and your legacy, rolling forward.

Never skip a chance to party! Whether it’s paying off debt, buying a first car, your oldest graduating to a teen account, or a parent retiring, mark the moment together. Because when it comes to your money, every little bit counts. And life is meant to be celebrated with the ones we love!

The family the saves together grows together!

financial choices to our values and dreams

, we give the next generation the tools and confidence to write their own chapter—and keep the circle turning!

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Join Now

Looking to make your Impossible Dreams possible? Your membership can help make it happen!

You are Enuff™

If you’re struggling with common barriers to home ownership, we’re here to help break them down with our comprehensive credit union path to home ownership program.

h-Ope!™

h-Ope!™ Affordable Housing

We proudly partner with school districts all over Michigan to bring awesome, real-world financial education to 1st through 12th graders in 50+ schools and counting!

Save. Spend. Give.

Save. Spend. Give. Program

The first program of its kind in the country, we’re working with Cancer Care Advocate Andy Janning to create compassionate and personalized support for those battling cancer.

Cancer Care Agents

Cancer Care Agent

In collaboration with the Local Impact Alliance, our Community Financial Scholarship Fund awards scholarships to college bound CFCU members each year!

Scholarships

Because You Are Enuff™, we’re here for you through all of life’s moments.

Community Initiatives

Walk with us

*CFCU customers are eligible for the Greenlight SELECT plan at no cost when they connect their CFCU account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 2/19/2028. Offer subject to change and partner participation.

Greenlight Disclosure

The Family Financial Circle: Passing Wisdom, Wealth, and Wild Dreams Forward

Because wild dreams need room to grow, we’re bringing even more joy and Belonging to a community we know and love with a brand-new branch. 

Breaking Ground on Our Novi Future—And Yours!

We’re thrilled to announce that we’ve officially broken ground on our brand-new branch in Novi.

This isn’t just a new building—it’s a new opportunity to strengthen our connection with the people, families, and businesses who’ve been with us every step of the way.

With Novi MayorJustin Fischer, the Novi Chamber of Commerce, the Novi Education Foundation, Novi School District leaders, local members, and our wonderful Board of Directors cheering on our CFCU groundbreaking crew, it’s clear that we’ve always been more than a financial institution.

We’re your neighbor, your partner, and your biggest cheerleader. This new branch will be a space where Belonging comes first, and your wildest dreams can take flight.

Community-centered and designed with our members in mind, the new branch will offer a welcoming, accessible experience with all the personal service and modern tech conveniences you’d expect.

Whether you’re stopping in to chat about your next big dream or just need quick access to your accounts, we’re building a space that feels like home base for what’s next.

An even stronger connection to Novi than ever before

We’ve had roots here for a long time—but this new branch is about deepening those roots. It’s a commitment to growing with you, investing in our shared future, and making it even easier to access the tools, support, and people who can help you thrive.

We’ll be sharing updates along the way as construction moves forward, and we can’t wait to celebrate the grand opening with you soon!

Novi Groundbreaking Blog Content

Join us on social media to keep up on the latest news, special offers, and even more Belonging.

Instagram

LinkedIn

Facebook

TikTok

YouTube

Social Media

Share the Belonging!

A High Yield Savings account can help your money grow faster—especially if you know how to use it well. Here are five simple ways to make the most of every dollar and every percentage point!

Max that cash: How to the get the most from your High Yield Savings

How To Use a High Yield Savings Account: 5 Tips to Maximize Your Cash

A high-yield savings account (sometimes referred to as a high yield cash account) is a great way to grow your money faster with minimal risk, especially if you know how to use it well.

In this article, we’ll discuss how HYSAs work and provide actionable tips for getting the most from your high yield savings account.

How does a high yield savings account work?

A HYSA works like a traditional savings account, but offers significantly higher interest rates. It’s this higher interest rate that makes a savings account high yield.

When you deposit money, you earn interest that is calculated daily and paid monthly, allowing compound growth over time. HYSAs are an ideal way to grow your savings without risk while maintaining easy access to your funds.

5 tips to get the most from your high yield savings account

Here are five simple ways to make the most of every dollar and every percentage point!

1. Watch for fees that cancel out your gains

Not all HYSA’s are created equal. Monthly maintenance fees, minimum balance requirements, or excessive withdrawal charges can quickly eat into your interest earnings.

Before opening an HYSA, carefully review the fee schedule and account terms. Look for accounts with no monthly fees, low or no minimum balance requirements, and transparent policies.

A high-yield savings account is a powerful tool that works best when it's part of a bigger financial picture. Whether you're saving for an emergency fund, a down payment, or a dream vacation, having clear savings goals makes it easier to let your money build value, and helps you stay motivated to make the most of your account's growth potential.

talk to one of our free financial advisors

 to align your savings strategy with what you want most. Whether that’s financial freedom, a new home, or just more peace of mind, we’re here to help you map it out.

Automating a regular deposit into your high yield savings account helps build your balance consistently without having to think about it. Even small, steady contributions can add up fast thanks to compound interest.

To see how easy it can be, try taking our 

. By starting out small and building from there, it’s designed to automatically save you $1,378 over the course of the challenge without breaking a sweat!

4. Link your HYSA to your checking account

Make transferring money between accounts seamless by linking your HYSA to a 

. This connection allows you to easily move funds when needed while maintaining the important separation between your spending and saving money. Most financial institutions offer instant or same-day transfers between linked accounts.

Many financial institutions offer programs that round up your debit card purchases to the nearest dollar and transfer the spare change directly into your HYSA. For example, with 

, you can send the spare change from every debit card purchase directly into your HYSA. These small amounts add up surprisingly fast without you feeling the impact on your daily spending. It's an effortless way to boost your savings while you go about your regular routine.

Think of high yield savings as a springboard to saving even more. For instance, our 

 gives you a consistent 10% APY on your first $1,000. Plus, it offers a higher rate beyond your first thousand AND two ways to earn through both interest and a membership dividend. That means it’s good for building cash fast and setting you on track for a nest egg that can generate even more earnings with higher-wealth accounts, like a 

You’ve got dreams. We’ve got the tools, and 

 has never been easier. Ready to make your money work harder? Let’s grow!

Blog Content

Open a High Yield Savings Account

Got five minutes and five bucks? You can start boosting your savings now!

High Yield Savings

Start your savings journey today 

Max that cash: How to get the most from your High Yield Savings

Read about how CFCU has once again earned a top-ten spot in Forbes list of best credit unions in Michigan.

Forbes names CFCU one of the best credit unions for the second year in a row.

How we made the Forbes Best-in-State list for a second year in a row
(Spoiler: It’s all you)

 isn’t about having the fanciest app or the biggest billboard. It’s about trust. It’s about showing up for real people, in real communities, and making a real difference.

This award recognition was based on a nationwide survey of thousands of credit union members—folks who rated us on what actually matters: trust, service, transparency, advice, and that all-important human touch.

It also pulled in thousands of online reviews, showing how people 

Turns out, when you lead with heart and hustle, people notice.

This isn’t just about being the “best” credit union in Michigan

It’s about being our best for Michiganders like you, by…

Growing impact across Michigan—together

We believe in making Michigan stronger, better, and even more amazing through Belonging, and this honor is just more proof we’re on the right path. Let’s keep going!

See what a bear, a factory, and the iconic Daisy air rifle have to do with igniting Impossible Dreams.

History

Our History

Membership has its perks—see what’s in it for you. From great rates to exclusive rewards, being a member means more. Check out all the ways we’ve got your back!

Membership

Member Benefits

See all the communities we serve across our great state of Michigan.

Locations

Michigan Locations

Discover how we make more of your money by raising up Michigan communities. 

Community Impact

More About CFCU

Get to know us

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Back-to-Back Best-in-State? Yep. Thanks to you.

Crain’s Detroit Business honors Community Financial Credit Union’s president & ceo Tansley Stearns as a fearless force redefining what leadership in finance looks like.

Women Leading, Communities Thriving: Crain’s Names Tansley Stearns a Force in Finance

 Crain’s Detroit Business has named Tansley Stearns, president and ceo of Community Financial Credit Union (Community Financial), to its prestigious list of 2025 Notable Leaders in Finance. This recognition honors influential professionals who drive innovation in the financial sector while strengthening their communities.

Since stepping into her role, Stearns has redefined what it means to lead with both heart and strategy, championing initiatives that expand Community Financial’s positive impact across Michigan. Her people-first approach is visible in everything from groundbreaking financial tools to community programs that meet real needs.

Under her leadership, Stearns launched the 

campaign to support abuse survivors and introduced 

, a cashflow tool that has helped members save over $1 million. She has also led major fundraising efforts, raising $2 million for Children’s Miracle Network Hospitals through In the Cellar, established a financial relief program for cancer patients, and replaced roofs for families across Detroit. These initiatives reflect her commitment to building stronger communities—efforts that also contributed to Community Financial being recognized as one of America’s Best Credit Unions by Forbes.

“When the Community Financial Credit Union Board hired Tansley in June 2022, we were impressed by her vision for the potential of cooperative finance,” said Board Chairperson Teri Kuehn, “In three years, she has demonstrated a unique ability to dream and bring bold ideas to execution. We see even more potential for the future under her leadership. We welcome this opportunity to celebrate with her and the team and keep building toward even more impact together.”

Stearns’ commitment to purpose-driven leadership extends beyond her organization. She brought Crisis Text Line services to Northville Public Schools, expanded financial literacy efforts, and founded HERd, an annual event designed to amplify women's voices, financial health, and empowerment in the workplace. In 2024, her work earned her induction into the Herstory Exhibit at America’s Credit Union Museum, celebrating the contributions of women in the industry.

Through her 25-year credit union career, Stearns developed a leadership philosophy she calls “Cushion and Wings.” Cushions offer safety, connection, grace and empathy. Wings challenge people to innovate, speak boldly and imagine new possibilities. Stearns believes blending both concepts creates a culture where individuals thrive and organizations flourish.

Beyond her role at Community Financial, Stearns serves on numerous nonprofit boards, including In the Cellar, Inc.; Relentless Care Foundation; Michigan Humanities; Painted Hills; and Fostering Love Rescues.

Crain’s selects its Notable Leaders in Finance through a competitive peer nomination and editorial review process. Since launching the series in 2017, Crain’s has recognized more than 5,000 industry leaders who exemplify excellence, innovation, and impact. Read Tansley Stearns’ full profile now at 

. The story will also appear in Crain’s Detroit Business print edition on June 30.

The biggest "dill" in pickleball charity events is back for the second year with all new challenges to keep the goodness going!

The 2nd Annual Pickleball for Good: Can You Beat $60K?

After an outstandingly successful initial year with $60,395 raised, The Relentless Care Foundation’s Pickleball for Good Fundraiser is back again!

When people don’t have access to affordable housing, their only option is to take on an overwhelming financial burden. It’s a hard cycle to break—and an issue that goes beyond the individual level. It limits the flexibility and growth of our workforce, curbs community mobility, and can even push Michiganders out of their own communities.

More than a good time, we’re playing to do good for Michigan and all the folks who call this great state home. Sponsoring or attending the Pickleball for Good Fundraiser means supporting the RCF’s mission to bring housing within reach for more Michiganders, and to tackle our state’s largest economic barrier by doing so!

Just like last year’s event, we’ve made sure that there’s plenty going on for everyone—even if you’re not a pickleballer! Take a pickleball workshop or come play on the open, mixer, and challenge courts—or just swing by to enjoy the silent auction, strolling brunch, and 30-drink tap wall!

Never played? Don’t worry! Pickleball equipment is provided, and all skill levels are welcome!

Housing affordability isn’t something we can solve on our own, and support from our sponsors and individual donors is what makes every milestone possible. If you’d like to join us in working to make Michigan a place where everyone can prosper, 

you can sponsor our fundraiser or donate to the RCF right here!

Blog content

When 1 in 2 women face abuse in their lifetimes and 99% of those also suffer financial abuse, is it any wonder that women chose the bear? See their stories.

Choose the Bear: Success Stories

Content warning: This article contains references to domestic violence, intimate partner violence, and economic abuse.

Choose The Bear™ Success Stories:
A commitment to caring is just that.

Part of being a financial best friend means that we walk with you through the dark times as well as the bright spots. Which is why we’re proud to say that our Choose The Bear™ initiative has helped 35 women facing the perils economic abuse pivot their lives for the better in just the past year.

She Chose the Bear: A true story of Relentless Care

“A member called in to the Care Center in clear distress, crying, stating she needed to talk to someone, but she couldn’t speak loudly. Our Care Center handled the interaction so wonderfully, asking if she was in a safe space or if she needed assistance contacting authorities. She confirmed she was ok, hearing about us from Northern Michigan Women’s Resource Center, and we were her last hope to get to safety.

Having moved here from another state to be with her partner, and having no access to funds of her own, we were able to get her approval of a personal loan to rent a vehicle and drive back to her home state safely with her family.

When the member came to get her funds, she hugged our team member at the branch and asked her to pass the hug to everyone involved. She truly feels we were her last hope, and she couldn’t express the relief she was feeling. She is ready to take her life back.”

They walked with us: Out of the forest and into a better place

“We’ve helped several survivors get a safe place of their own. One was living with friends in a hotel room for over a year. Another had started a new job but could not save enough for a security deposit. We even helped one survivor who had just managed to get into Section 8 housing but had nothing for her kids. With Choose The Bear™, she was able to get a dresser, beds, and some personal items for the children. It really feels good to be able to do that for them.”

Every story can be a successful one. If you believe that you or a loved one are suffering from economic abuse, visit 

 for resources and information to pivot your trajectory for the better.

Dedicated to helping pivot survivor’s financial trajectories for the better, Choose The Bear™ is our way of supporting women experiencing economic abuse across the state of Michigan. 

Choose The Bear

Explore More

As a supporter of Choose The Bear™ , the Relentless Care Foundation believes in a future where all Michigan communities are just, thriving, and vibrant.

Relentless Care Foundation

Learn More

As advocates and supporters of survivors, the mission of First Step is to eliminate both domestic and sexual violence and to provide comprehensive services to individuals and families impacted by these crimes.

Visit First Step

First Step

How to Help

See how CFCU is sponsoring the Detroit Roller Derby, an all-women's flat track roller derby team in Detroit, Michigan.

CFCU Sponsors Detroit Roller Derby

Community Financial is proud to announce our partnership with 

Why do we love DRD? Because, while they bring grit, heart, and high-octane energy to every skate, hit, and high-five, their mission lines up perfectly with ours. Just like us, they’re all about Belonging, growth, and lifting each other up.

DRD welcomes players of all backgrounds, skill levels, and identities. It’s not just about roller derby—it’s about creating a place where everyone can show up, be seen, and thrive.

From perseverance to teamwork to resilience, DRD athletes are building skills that go far beyond the track. That kind of hustle and heart? It inspires us every day.

Get Inspired

News

We've Opened Our Doors in Detroit!

Story

The Family Financial Circle: Passing Wisdom, Wealth, and Wild Dreams Forward

News

Breaking Ground on Our Novi Future—And Yours!

Story

Max that cash: How to get the most from your High Yield Savings

News

Back-to-Back Best-in-State? Yep. Thanks to you.

News

Women Leading, Communities Thriving: Crain’s Names Tansley Stearns a Force in Finance

Story

The 2nd Annual Pickleball for Good: Can You Beat $60K?

News

Choose the Bear: Success Stories

News

Big news: We’re official sponsors of Detroit Roller Derby!

News

5 Reasons Why Parents Love Student Credit Unions at School

News

Additional $220k secured for affordable housing in Michigan

News

Expanding and Preserving Homeownership in Otsego-Antrim Habitat for Humanity