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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 2.79% APR* 24 months $5,000 minimum
As low as 3.09% APR* 36 months $5,000 minimum
As low as 3.29% APR* 48 months $10,000 minimum
As low as 3.59% 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 2.69% APR is approx. $213.
**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.


UNF Market Days | Jan. 29

UNF Market Days | Jan. 29

  • 1/29/2020 10:00:00 AM
  • John A. Delaney Student Union

Join Community First Credit Union at UNF Market Days!
Get up to $30, free pizza, and more with a UNF VIP spending account!

Jacksonville Icemen Game | Jan. 30

Jacksonville Icemen Game | Jan. 30

  • 1/30/2020 7:00:00 PM
  • Veterans Memorial Arena

Join us as we watch the Icemen take on the Fort Wayne Komets on January 30 at 7:00 p.m.! #FeelTheFreeze this season!

Jacksonville Icemen Game | Jan. 31

Jacksonville Icemen Game | Jan. 31

  • 1/31/2020 7:00:00 PM
  • Veterans Memorial Arena

Join us as we watch the Icemen take on the Fort Wayne Komets on January 31 at 7:00 p.m.! #FeelTheFreeze this season!

UNF Market Days | Feb. 5

UNF Market Days | Feb. 5

  • 2/5/2020 10:00:00 AM
  • John A. Delaney Student Union

Join Community First Credit Union at UNF Market Days!
Get up to $30, free pizza, and more with a UNF VIP spending account!

  • 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.

Long-Term Care Insurance: How Does It Work?

By: Community First Credit Union
Posted On 1/13/2020 3:34:01 PM

Whether you've had a long-term care insurance (LTCI) policy for years or you're thinking of buying one, it's critical to understand exactly what set of conditions will trigger coverage. This information is the bread and butter of any LTCI policy. In addition, you should know how to file a claim, preferably before you're on the verge of needing care.

Read More

Understanding IRAs

By: Ken Millhone, CFS* Investment Services Program Manager
Posted On 10/28/2019 12:00:00 AM

An individual retirement arrangement (IRA) is a personal savings plan that offers specific tax benefits. IRAs are one of the most powerful retirement savings tools available to you. Even if you're contributing to a 401(k) or other plan at work, you might also consider investing in an IRA.

Read More

5 Ways to Prepare for Your Child’s College Education

By: Jasmine Marshall, Member Service Representative
Posted On 10/9/2019 12:00:00 PM

The thought of financially preparing for your child’s college education may seem daunting. In fact, you may find yourself pushing this important task aside, especially if your child is relatively young. Don’t fret! Preparation for college can begin at this very moment, and it may be easier than you think.

Read More

How to Get a Credit Union Car Loan

By: Kiana Wright, Vice President, Consumer Lending
Posted On 10/3/2019 12:00:00 PM

Financing a car can be stressful, but getting a credit union car loan can alleviate some of the stress and save you money. Here’s what you need to know about credit union car loans and how you can get one.

Read More

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Providing Financial Solutions for Every Stage of Life.

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