Community Reinvestment Act Public File

The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods. At cfsbank, we strive to positively impact our local communities. We are committed to meeting the financial needs of these communities, including all low and moderate income and minority areas within our footprint. By providing this information online, cfsbank can keep it current with convenient access. The information below is current as of April 1 of each year. If you would like to view a physical copy or obtain information that is not available online, please contact us.

Written Comments from the Public

CRA Performance Evaluation

Locations and Hours

Opened and Closed Branches

Products, Services, and Schedule of Fees

Assessment Area Map

Assessment Area Census Tracts

HMDA Disclosure Statement

Loan to Deposit Ratios