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Government Relief Programs

There are a number of government resources available to help consumers and small businesses navigate these challenging times. Keep checking this page frequently for the latest updates on new resources as they become available. The IRS website is ultimately the best source for any stimulus payment related questions, as Community First does not have information as to the status or eligibility of stimulus payments.

Updates and Announcements

Third Round of Stimulus Payments | March 12, 2020

A third COVID-19 economic relief package was recently approved by Congress. The package includes $1,400 direct stimulus payments to eligible recipients. The payments will be processed in the same manner as they did earlier this year. As a reminder, Community First simply processes the payments and does not have information on the status or eligibility of payments. Therefore, we will not be able to answer any questions you have related to the status of your payment. Most answers can be found by visiting the IRS website. For additional information, please visit


Economic Impact Payments Update
We are actively monitoring account activity and have not received any Economic Impact Payments as of yet.

The IRS is recommending you sign up for Direct Deposit to get your stimulus faster.
Direct deposit is easy to use. Just select it as your refund method through your tax software and type in the account number and routing number. Or, tell your tax preparer you want direct deposit. You can even use direct deposit if you are one of the few people still filing by paper. Be sure to double check your entry to avoid errors.

The routing number for Community First Credit Union is 263078934.

You can find your Community First account number by signing in to Online Banking or our Mobile Banking app, select the account you would like the deposit to go to and click the “Details” tab.Online Banking Checking Account Statement Number

You can also find your Community First account number and routing number on your checks.

Check with routing and account numbers

See more details on the IRS website

Economic impact payments: Who is eligible for the economic impact payment?

Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $87,000 and $174,000 for joint filers with no children are not eligible. Social Security recipients and railroad retirees who are otherwise not required to file a tax return are also eligible and will not be required to file a return.

Eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive an economic impact payment of up to $600 for individuals or $1,200 for married couples and up to $600 for each qualifying child.

How will the IRS know where to send my payment?

The vast majority of people do not need to take any action. The IRS will calculate and automatically send the economic impact payment to those eligible.
Learn more on the website

You can also learn more about new information for seniors and retirees.
Learn more about the Treasury news release

Small Business

The U.S. Small Business Administration (SBA), in consultation with the U.S. Treasury Department, re-opened the Paycheck Protection Program (PPP) for new borrowers and certain existing borrowers. In support of our community and our valued membership, Community First will start accepting the applications on January 21, 2021.

Paycheck Protection Program (PPP) provides small businesses with funds to cover certain payroll and benefit costs and other non-payroll expenses during the pandemic. Businesses can qualify for PPP loan amounts up to $10 million for first draw loans. For second draw loans, businesses can qualify for amounts up to $2 million.

SBA Paycheck Protection Program

On Sunday, December 27, 2020 a $900 Million stimulus package approved on December 21 by Congress was signed into law by the President.  Included in the package is the creation of a second paycheck protection program, to be called Paycheck Protection Program Second Draw Loans (PPP Second Draw).  The structure of this program is focused on small and smaller businesses, with employee count not exceeding 300.  The SBA is required to establish regulations for the new PPP Second Draw loan as well as other sections of the law within the next ten (10) days.

In support of our community and our valued membership, Community First will offer the PPP Second Draw loans once program specifics are finalized and published. We will begin accepting applications shortly after the SBA releases application acceptance and guidance on qualifications and documentation requirements for application submission.  No date has been announced yet as to when applications may be submitted.  We will keep our website updated as the program details are published by the SBA. You may visit the website as well.
Learn more about loan forgiveness on

SBA Economic Injury Disaster Relief Loan

The Small Business Administration is offering assistance to members who have been affected by COVID-19.

For questions regarding the SBA Economic Disaster Relief Loan, email or call (800) 659-2955 and (800) 877-8339 for hearing impaired.
Learn more on the website

SBA Express Bridge Loans

Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 with less paperwork. If a small business has an urgent need for cash while waiting for decision and disbursement on Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.
Learn more about Express Disaster Bridge Loan Pilot Program