Throughout your life, Community First Credit Union is here to help when you need to access a personal loan or line of credit.

Our Line of Credit is revolving credit. Think of it as a credit card without plastic. Once established, use the funds whenever you need them… vacations, auto repairs, or whatever you like.

Monthly payments go up and down as you repay, then re-borrow the money. Accessing the Line of Credit is quick and simple through Home Banking, Info 24, or by contacting our Call Center or visiting one of our convenient locations.

Personal Loans are term loans. You borrow the full amount and then repay monthly installments until the loan is paid off.

Which is best? If you need help deciding, ask any Community First Trusted Advisor. We can help sort out the one best suited for your needs.

A personal loan is issued for a fixed total dollar amount, up to $25,000 with an agreed interest rate. Once issued, you will make set monthly payments until the loan has been repaid and is satisfied.

• Great competitive rates
• 0.25% discount with AutoPay
  (Payments are transferred automatically from your account)
• Up to $25,000
• Terms up to 42 months

A personal line of credit differs from a traditional personal loan in that you can draw as little or as much as you need. As the balance is paid off, you can access the Line of Credit without having to reapply.

Your good credit history can open a line of credit up to $25,000.

• Great competitive rates
• Allows you to borrow up to your pre-approved credit limit any time (minimum $50 advance)
• Up to $25,000 credit limit
• Easy access to funds - available at ATMs, any of our convenient branch locations and transfers through eBranch or Info 24 (telephone teller)

Need to establish credit or re-establish credit worthiness? Try a share or CD secured loan which ties to money already in your account, allowing you to build credit or rebuild and improve your credit score.

• Allows you to leverage your own funds
  (funds used to secure the loan are frozen up to the loan amount)
• Rates are usually reduced and lower than other types of loans
• Rates are typically lower, because they are tied directly to the share account dividend rate.

Click here for an online brochure

Need help with credit? Not sure how to begin? Unable to save money? Let Community First Credit Union of Florida start you down the path of (re)building credit and building savings with our new, Credit (re)Builder Loan.

Borrow as little as $300 or as much as $1,000 for up to 12 months. We’ll deposit the loan proceeds into your savings account and hold the funds until the loan is paid in full. All YOU need to do is make your monthly payments on time.

• Great low interest rate on your loan
• Leverage the Credit Unions funds while earning interest
• Build or Repair credit while also building your savings