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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 2.74% 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.


  • 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 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.

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How to Handle Holiday Debt

By: Susan Verbeck, Chief Lending Officer
Posted On 12/22/2020 3:34:01 PM

You might be feeling extra generous this year given the unfortunate circumstances we’re all facing in 2020. Whether you’ve spent more than anticipated or you’re struggling financially and accumulated some debt, we’ve got some tips to help you handle holiday debt.

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Financial New Year’s Resolutions to Consider for 2021

By: Kenyon Sutton, Financial Wellness Manager
Posted On 12/8/2020 7:51:31 AM

Your finances might have ended up looking a little different than you expected at the beginning of 2020. Now that it’s the end of the year, it’s time to revisit your financial new year’s resolutions. Of course, you’ll likely need to make some adjustments, but we’ve got some ideas to help you out.

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Is Now a Good Time to Refinance My Mortgage?

By: Janet Smith, Vice President of Mortgage Operations
Posted On 11/23/2020 7:51:31 AM

Often, the decision isn’t if you should refinance your mortgage, but when. Determining the right time to refinance takes a bit of research and a good look at where your finances are and where you want them to be. This article will help you determine when it’s the right time to refinance.

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Providing Financial Solutions for Every Stage of Life.

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