Community First Credit Union Hagatna GU | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Community First Guam, your trusted financial partner located at 231 Route 4, Hagatna, GU 96910. Established in 1962, we have proudly served our community for over six decades, focusing on the needs of our 15,616 members. With total assets exceeding $246 million, we are committed to providing reliable financial services tailored to help you achieve your goals. At Community First Guam, we understand that every member's journey is unique. That's why we offer a wide range of products and services including personal banking, auto loans, mortgage refinancing, and business banking solutions. Whether you're looking for a new vehicle with our competitive auto loans or managing your finances with online banking, we've got you covered. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: 231 Route 4, Hagatna, GU 96910-5219. Our dedicated team of 92 employees, led by CEO Gerard Cruz and Board President Perry Taitano, is here to support you every step of the way. With a strong net worth of $27,589,359 and total deposits of $23,969,765, we ensure that your money is safe and sound. Our commitment extends beyond numbers; it's about making a positive impact in the lives of our members and the community we serve. Join us today and experience the difference that comes from being part of a credit union that puts its members first. For inquiries or assistance, don't hesitate to call us at 671-472-8210. We look forward to welcoming you!

Branch History & Mission

Join Us

As we look towards the future, we invite you to become part of the Community First Guam family. Experience firsthand how our dedicated team can help you navigate your financial journey with care and expertise. Whether you need assistance with loans or want guidance on saving for your future, we're here for you every step of the way. Visit us online at Community First Guam or call us at 671-472-8210 for more information about membership benefits. Together, let's build a brighter financial future!

Our Journey

Located at 231 Route 4, Hagatna, GU 96910, Community First Guam began as a small credit union focused on empowering local residents through accessible financial services. Through hard work and community support, we have transformed into a vital financial institution that continues to prioritize the well-being of our members. Our rich history is marked by milestones that reflect not just growth in numbers but also an enduring commitment to community support and outreach. As we expanded our offerings from personal banking products like checking accounts and auto loans to business banking services we maintained a strong emphasis on member satisfaction. We understand that every member's journey is unique, and we strive to provide tailored solutions that help individuals and families achieve their financial goals.

Our Mission

At Community First Guam, our mission is simple yet profound: to provide exceptional financial services while fostering community growth. We believe in the power of collective effort and aim to uplift those around us through meaningful partnerships and outreach initiatives. Our commitment extends beyond traditional banking; we actively engage with local organizations and participate in community events to make a positive impact. With features such as drive-thru banking for convenience and ATM availability, we ensure that accessing your finances is straightforward and stress-free. Additionally, our operating hours are designed with you in mind: Monday through Thursday from 9:00 am to 4:00 pm, Friday from 9:00 am to 5:00 pm, and Saturday from 9:00 am to 12:00 pm. While members can visit us at 231 Route 4, official correspondence should be sent to 231 Route 4, Hagatna, GU 96910-5219 if different from the branch address.

Branch Location & Accessibility

ATM and Drive-Thru Availability

For added convenience, we have an ATM on-site for quick cash withdrawals and balance checks. If you're in a hurry or prefer not to enter the building, take advantage of our drive-thru service for simple transactions like deposits and withdrawals. While members can visit us at 231 Route 4 Hagatna Gu 96910, official correspondence should be sent to 231 Route 4, Hagatna, GU 96910-5219.

Easy Access and Parking

At Community First Guam, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us without hassle. Ample parking is available right outside our doors, so you can quickly park your vehicle and step inside.

Get in Touch

If you have any questions or need assistance before visiting us, feel free to call us at (671) 472-8210. We look forward to welcoming you at Community First Guam! Come see how we can help you achieve your financial goals today!

Operating Hours and Services

We understand that your time is valuable. That's why we offer convenient operating hours from Monday through Thursday, 9:00 am to 4:00 pm, and Friday from 9:00 am to 5:00 pm. On Saturdays, we're open from 9:00 am to 12:00 pm for those who need a little extra time during the weekend. Inside our branch, you'll find a variety of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is ready to assist you. We also offer credit cards with rewards and business banking solutions.

Member Eligibility

At Community First Guam, we believe that everyone deserves a chance to be part of a caring community. Becoming a member is straightforward and welcoming! If you live, work, worship, or go to school in Guam, you're likely eligible to join us. We also welcome family members of current members, which makes it easy to share the benefits with your loved ones. Once you're on board, you'll enjoy access to a range of financial products and services designed to support your needs and help you thrive. To start your journey with Community First Guam, simply visit us at 231 Route 4, Hagatna, GU 96910. If you're ready to take the next step, check out our detailed eligibility criteria at this link. You can also learn how to open an account by visiting our account opening page. Have questions? Don't hesitate to give us a call at 671-472-8210; we're here to help!

Business Banking & Commercial Services

Merchant Services That Simplify Transactions

In addition to loans, we offer merchant services that make accepting payments easy and efficient. Picture this: A busy lunch hour where your restaurant can seamlessly process orders and payments without delays. Our services ensure that your business runs smoothly, allowing you to focus on what you do best serving your customers. Located at 231 Route 4 Hagatna Gu 96910, Hagatna, GU, our team is ready to help you navigate the financial landscape of your business. Give us a call at (671) 472-8210 or visit us today to discover how we can assist your business journey!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $86 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $38,794,285, we continue to drive economic growth by financing new and expanding businesses. Imagine a local coffee shop looking to upgrade its equipment or a family-run retail store needing funds for renovations. With our loans, these dreams become attainable realities.

Comprehensive List Of Services

Accessing Your Funds

We also understand the importance of convenient access to cash. Our branch features an ATM for quick withdrawals and balance checks whenever you need them. Plus, with basic drive-thru banking available for deposits, withdrawals, and simple transactions, we've made it easier than ever for our members in Hagatna. At Community First Guam Federal Credit Union, we pride ourselves on being more than just a financial institution; we're part of the community. We invite you to visit us or explore our services online at www.cfirstguam.com. Whether you're interested in opening an account or applying for a loan, we're here to help! If you have any questions or need assistance, don't hesitate to call us at 671-472-8210 today!

Business Banking

For entrepreneurs and business owners, Community First Guam offers various business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our resources can help drive success.

Digital Banking Convenience

In today's fast-paced world, having easy access to your accounts is vital. Our robust online and mobile banking platforms allow you to manage your finances from anywhere at any time. You can easily check balances, transfer funds, and pay bills without needing to visit the branch physically.

Home Financing

If you're considering buying a home or refinancing an existing mortgage, our mortgage loans provide tailored solutions to fit your needs. We work closely with you throughout the process, ensuring you feel confident in your decisions. Our team understands that purchasing a home is one of the biggest investments you'll make, and we're here to support you with personalized service.

Loans and Credit

For those looking to consolidate debt or secure funds for unexpected expenses, our personal loans are an excellent option. With straightforward terms and competitive rates, we aim to provide relief during challenging times. Additionally, our credit cards with rewards allow members to earn benefits on their purchases while building credit history.

Personal Banking

Our personal banking services cater to all your everyday banking needs. From checking and savings accounts that offer convenience and flexibility to help you manage your finances effectively, we ensure that you have access to the tools necessary for successful budgeting. Many members find our auto loans and vehicle financing options particularly beneficial when they're ready to make a significant purchase like a new car. We strive to offer competitive rates and flexible terms to meet diverse member situations.

Digital & Online Banking

Key Services

Our online banking service is available 24/7, so whether it's early morning or late at night, your account is always accessible. You can check balances, pay bills, and transfer funds without having to visit a branch. Plus, our person-to-person transfer feature makes it simple to send money to friends and family instantly no need for cash or checks.

Security and User-Friendliness

Your security is our priority. While we do not currently offer electronic signature authorization, rest assured that we implement strong security measures to protect your information. Navigating our user-friendly mobile application makes managing your finances even easier. Whether you're checking transactions or setting up alerts, everything is designed with you in mind.

Stay Informed

We also provide e-statements for members who prefer going paperless. This means you can easily review your monthly statements online without cluttering your mailbox. Keeping track of your finances has never been simpler. With all these features combined, Community First Guam ensures that banking is not only convenient but also safe and efficient for all our members. Explore the possibilities today by visiting https://www.cfirstguam.com/ !

Financial Strength

Commitment to Member Growth

With $14,225,640 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $198,489,829 in total loans and leases available for you to tap into.

Growing Trust Among Members

We proudly serve 26,037 total share accounts, showcasing a strong and growing member base that trusts us with their finances. Our net shares amount to $60,677, highlighting funds available for lending and investments that directly benefit you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Community First Guam is your trusted partner. Visit us at 231 Route 4 Hagatna Gu 96910 or call 671-472-8210 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which allows us to keep offering competitive loan rates and solid financial products for our members. We also take pride in having 79 full-time employees and 13 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Secure Savings Opportunities

Members' savings are secured through $55,817,746 in share certificates and $6,403,491 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $27,589,359, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.34% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Financing Options

For business owners, our outstanding commercial loans totaling $38,794,285 provide the capital needed to grow and expand. Additionally, we have total credit lines available up to $132,892,077, ensuring that your business can thrive even during challenging times. Our team is here to assist you with any questions about eligibility requirements or refinancing options. You can reach us at (671) 472-8210 during our operating hours: Monday through Thursday from 9:00 am to 4:00 pm and Friday from 9:00 am to 5:00 pm. We're also open Saturday from 9:00 am to 12:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit our website at Community First Guam for more information on how we can assist you with your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,605,852 in used vehicle loans and $7,825,811 in new vehicle loans already helping members get on the road. We also provide refinancing options for those looking to lower their monthly payments or switch lenders.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,469,279, make buying or refinancing simple. We strive to guide you through every step of the mortgage process so that you can feel confident in your decision.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,585,024 in loans helping members manage their finances effectively. These credit cards come with great benefits and can be an excellent tool for budgeting and building your credit score.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to transparency means that users can trust they are getting fair offers without hidden agendas.

Benefits of Using LendMesh

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COMMUNITY FIRST GUAM FEDERAL CREDIT UNION - Hagatna, GU