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CommunityWide FCU Review

How does your bank stack up?

  • Financial Rates: 5.0 Star Icon
  • Customer Service: 5.0 Star Icon
  • Website Experience: 5.0 Star Icon
  • Bank Fees: 4.0 Star Icon


  • Accounts offer competitive rates
  • Low opening amounts for most accounts
  • Variety of accounts offered
  • Funds Savings Account


  • Must join the credit union first
  • CDs have high opening required amounts
  • No ATM fee reimbursement
  • Checking account has a monthly fee

What You Need to Know

Accounts at CommunityWide offer competitive interest rates. The rates are competitive with other online accounts. CommunityWide rates are much higher than typical bank rates. Their rates are not tiered. Any balance above the required amount earns competitive interest rates.

Most CommunityWide accounts have low opening required amounts. The savings accounts require $5 to open. The checking accounts requires $15 or $25 to open. To earn interest on these accounts you must have $500 in the account, but not to open the account.

CommunityWide offers a wide variety of accounts. They offer personal savings and checking accounts, and CDs. Their CD terms range from six months to five years. They offer IRA accounts, auto loans, personal loans, and other types of loans.

A Funds Savings Account is available through CommunityWide. This account acts as a savings account but earns a higher interest rate. Members can only withdraw money deposited in the account at specific times. You can choose whether to withdraw the money monthly or quarterly. Money can be deposited into the Funds Savings Account anytime.

Before you can open an account with CommunityWide, you must become a member of the credit union. To be eligible to join you must have worked for a certain company or be a spouse of someone who has. Members of certain organizations are eligible. Immediate family members of CommunityWide members qualify to open an account. Once you qualify, you must present a valid government issued ID and your social security number to open an account.

To open a CD with CommunityWide has a high opening required amount. Each of the CD terms requires $2,000 to open. The CDs ranges from six-month terms to sixty-month terms. Each term offers a competitive interest rate.

CommunityWide Federal Credit Union does not offer ATM fee reimbursement. They offer over 30,000 ATMs that are free for members to use. If you make a transaction with another ATM not in their network, you may be charged a fee. CommunityWide will not reimburse you that fee.

The CommunityWide checking account has a monthly fee. The fee is $2.95 each month. Customers can waive this fee by having a direct deposit into the account. You can also waive the fee by keeping a daily balance of $5,000 in the account. The savings accounts require $5 to avoid a monthly fee.

Cool Things

Financial Tools

The CommunityWide website offers a section of financial tools. They offer financial calculators and access to GreenPath Financial Wellness. This offers financial counseling, financial tools, and debt management services.


CommunityWide Federal Credit Union started in 1967. The original name was the West Washington Association Federal Credit Union. It started to serve those on the west side of South Bend, Indiana. In 1975, the name changed to St. Joseph County Community Federal Credit Union.

The credit union struggled for a few years trying to get members and become profitable. They expanded and moved locations with new management. By 1980 they had merged with another credit union. Their growth had allowed for over $1.7 million in assets. By 1982, they had grown to offer checking accounts and check cashing services.

In 1985, the name officially changed to CommunityWide Federal Credit Union. In 1993 they offered ATM cards to their members, and in 2005 they began offering online bill pay. In 2012, the mobile app launched, with remote deposit offered in 2014.

Today, they have 11 branch locations in the Michiana area and more than $400 million in assets. They work to focus on providing members with good financial services and products.

Giving Back

In 2016, CommunityWide donated over $4,000 to Credit Unions for Kids. Employees could wear jeans on Friday by donating $1 to this organization. Credit Unions for Kids is a group of credit unions who hold fundraising activities to help 170 Children’s Miracle Network Hospitals. Since 1996, Credit Unions for Kids has raised over $160 million for these hospitals.

CommunityWide partners with charities in the communities they serve. They encourage employees to donate to food banks and partner with Habitat for Humanity. In 2016, employees donated over $5,000 to the Kroc Center.

Frequently Asked Questions

Is CommunityWide FDIC insured?

Yes. CommunityWide is a credit union, so the NCUA backs it. The National Credit Union Association is an agency of the United States government. It protects funds deposited in credit unions, up to $250,000 per customer, per credit union. The money deposited in NCUA insured credit unions means money is backed by the full faith and credit of the United States government.

How do I access my money?

By ATM or debit cards, checks, electronic transfers, or bill pay. You can access your money by visiting a local branch location.

Does CommunityWide offer mobile banking?

Yes. With the CWAnyWhere mobile app, you can deposit checks and see account balances. You can find an ATM or branch location.

Is CommunityWide free?

Only the checking account has a monthly fee. Having a direct deposit into the account or a daily balance over $5,000 waives that fee.

Is CommunityWide a good bank?

The interest rates are competitive with online accounts. They offer a good variety of personal deposit accounts. The opening required amounts for most accounts are low. You must qualify to join the credit union before you can open an account.

Is CommunityWide secure online?

They offer security measures that comply with federal law. Their computers offer safeguards, and their buildings and files are secure.

Does CommunityWide offer competitive interest rates?

Yes. CommunityWide interest rates are competitive with other online accounts. Their rates are much higher than typical bank rates.

Can I use CommunityWide for my business accounts?

No specific business accounts are listed on the website. Contact customer service for more information.

How is CommunityWide online banking different from the online banking my bank offers?

The interest rates are much higher than typical bank rates.

Do CommunityWide checking accounts pay interest?

Yes. The CommunityWide checking accounts earn interest. The interest is competitive with other online accounts.

How do I reach customer service?

By phone, mail, email, or by visiting a local branch location. You can follow CommunityWide on Facebook and Twitter.

Does CommunityWide offer bill pay?

Yes. CommunityWide offers free bill pay with their checking accounts.

Can I deposit cash?

Yes, at a local branch location or at select ATMs.

How long do transfers take?

Electronic transfers are typically available the same business day. If deposits take longer than one business day, the first $200 of the deposit is available the same business day as the deposit.

Can I sign up for direct deposit to CommunityWide accounts?

Yes. Money can be directly deposited into CommunityWide accounts. Having a direct deposit into the checking account is one way to waive the monthly fee.

Bank Contact Information

CommunityWide Federal Credit Union
1555 W Western Ave
South Bend, Indiana 46619

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