All branches will be closed on November 22, 2018 for the holiday observance of Thanksgiving Day.

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Community First,
Your Northeast Florida Credit Union.

Our members are our number one priority.

We are the recognized leader in providing superior financial solutions that improve
members' lives while building strong and vibrant communities.

As low as 2.39% APR* 24 months $5,000 minimum
As low as 2.69% APR* 36 months $5,000 minimum
As low as 2.94% APR* 48 months $5,000 minimum
As low as 3.29% APR* 60 months $10,000 minimum

View Auto Loans

As low as 7.50% APR** 0 - 12 months $500 minimum
As low as 8.00% APR** 13 - 24 months $1,500 minimum
As low as 8.75% APR** 25 - 36 months $3,000 minimum
As low as 9.50% APR** 37 - 60 months $5,000 minimum

View Personal Loans

*Auto loans. APR = Annual Percentage Rate. A payment example is $5,000 financed for 24 months at 2.19% APR is approx. $213.14.
**Personal loans. Credit and other restrictions may apply. APR= Annual Percentage Rate. Payment example for $5,000 borrowed at 8.25% APR for 36 months= $157.


  • I’ve always had a pleasant experience here. The clerks are professional and courteous. The rates for financial services blow other banks out of the water.

    -Markus S.,
    Community First Member

  • In addition to the friendly, professional, hometown feel, Community First has always been willing to answer any question, and to investigate any issues on my behalf.

    -Sandy W.,
    Community First Member

We will be with you every step of the way

Our blog includes articles and graphics offering info and advice for every stage of life. Need help buying your first car? Check. Ready to start planning for retirement? No problem. Visit our blog to learn more today.

Find out if a Debt Consolidation Loan is right for you

By: Kiana Wright, Assistant Vice President of Consumer Lending
Posted On 10/24/2018 3:00:00 PM

Debt consolidation provides many people with cost-savings, but it also can offer stress relief and an opportunity for improved financial health. Here’s how debt consolidation can work for you.

Read More

How to Save $1000 by Christmas

By: Brenda Cornwell, Accounting Manager
Posted On 9/28/2018 12:00:00 PM

Are you looking to save a lot of money quickly? Get ahead of the holiday season and start saving up now. Here’s how you can save $1,000 by Christmas.

Read More

Why You Should Open a CD in Your 20s & 30s

By: Sam Inman, Chief Financial Officer
Posted On 8/31/2018 5:30:00 PM

Whether you’re brand new to investing or looking for a safe way to earn interest, CDs are a great investment option.

Read More

Is Homeownership Right for You?

By: Eric Krall, Mortgage Sales Manager
Posted On 7/20/2018 2:06:06 PM

With mortgage rates trending up, it may be the right time to give further thought to the question, "Is homeownership right for me?" How do you know if you’re ready?

While homeownership is an exciting milestone in your life, it’s important to educate yourself on the financial implications of buying before you make an offer. Whether you’re a first-time homebuyer or a current owner looking to sell or refinance, there are a few key questions that should help guide your decision.

Read More

Our Mission:

Providing Financial Solutions for Every Stage of Life.

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