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So I need a credit card.
How can I get one?


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 2.74% APR* 24 months $5,000 minimum
As low as 2.74% APR* 36 months $5,000 minimum
As low as 2.74% APR* 48 months $10,000 minimum
As low as 3.04% APR* 60 months $10,000 minimum

View Auto Loans

As low as 7.99% APR** 0 - 12 months $500 minimum
As low as 8.29% APR** 13 - 24 months $1,500 minimum
As low as 8.99% APR** 25 - 36 months $3,000 minimum
As low as 9.79% 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 2.74% APR is approx. $214.35.
**Personal loans. Credit and other restrictions may apply. APR= Annual Percentage Rate. Payment example for $5,000 borrowed at 8.99% APR for 36 months is approx. $151.


Women in Business Night

Women in Business Night

  • 3/11/2021 5:00:00 PM
  • Veterans Memorial Arena

Join the Jacksonville Icemen for the opportunity to hear and learn from several of Jacksonville’s women of distinction, including Community First's very own Missy Peters, Director of Community Affairs.

  • 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.

How to Choose Your First Credit Card

By: Debora Tennison, Director of Electronic Services
Posted On 2/16/2021 7:51:31 AM

Getting your first credit card is usually one of many big milestones you reach shortly after graduating high school or getting your first full-time job. It’s an important step to building credit and becoming financially fit. Make sure you get started on the right foot by choosing a card that fits your situation. Here’s our advice for choosing your first card.

Read More

How To Calculate Your Debt-To-Income Ratio

By: Kenyon Sutton, Financial Wellness Manager
Posted On 2/2/2021 7:51:31 AM

When applying for a loan or line of credit, you might have heard the term debt-to-income ratio. This number helps lenders determine your risk. It’s important to understand how to calculate it so you know where you stand.

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Should I Save Money or Pay Off Debt?

By: Kenyon Sutton, Financial Wellness Manager
Posted On 1/19/2021 7:51:31 AM

So, you’ve got a budget and you’ve used your income to pay your necessities and bills. But, what about any money left over. Let’s look at whether you should create a line item in your budget for savings, paying off debt, or perhaps both.

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Long Term Care Insurance 101

By: Ken Millhone, CFS* Investment Services Program Manager
Posted On 1/5/2021 7:51:31 AM

It might not be fun to think about, but the need for long-term care could be in your future. It’s the reality for nearly 70% of Americans over the age of 65. Whether it’s in a nursing home, assisted living facility, or at-home, it’s time to start thinking about how you’d pay for that care should the need arise.

Read More

Our Mission:

Providing Financial Solutions for Every Stage of Life.

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