Federally insured by NCUA. An initial deposit of $5 to be held in your Community First Share account is required for membership. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. *APY= Annual Percentage Yield. Interest compounded monthly. Subject to an early withdraw penalty equivalent to 180 days of interest earned. Offer may end at any time without notice. Rates accurate as of 11/13/2017.