Federally insured by NCUA. Membership is open to anyone who lives, works, or attends school in one of the following counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia. Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to Select Employer Groups, including all employees of Brooks Rehabilitation, Miller Electric Company, and Web.com. *All offers may end at any time without notice. 1Checking - A $25 minimum deposit is required to open a new Community First checking account. New members must open a share account with a minimum $5 initial deposit (share account is required for membership). When applying online use code CHK2021. Must mention this offer at time of account opening. Receive $25 upon account opening for opening a checking account and enrolling in the Save My Change Program, $150 for establishing a cumulative direct Deposit of at least $1,000 within first 90 days of account opening ($150 bonus will be deposited into a new checking account within 7 days of meeting above requirements) and $25 for every friend you refer that opens a Bonus Debit or Advantage checking account (limited to 5 referrals annually). Credit provided when your friend opens a checking account and mentions you as the referrer. Credit and other restrictions apply. Consult a tax advisor for tax consequences. APY= Annual Percentage Yield. Must have an Advantage Checking Account to qualify for 1.50% APY. 1.50% APY on balances up to $500 and 0.05% APY paid on balances above $500. Rates accurate as of 12/10/2020. Must do at least 10 debit card transactions monthly and be enrolled in eStatements to get higher APY on first $500. Restrictions apply and rates can change at any time without notice. **Members with a checking account are eligible to receive their direct deposits up to one day earlier. No action is required to receive this complementary benefit. Early payment is contingent upon receiving the funds on time. Payment may be delayed. 2Mortgage - Minimum down payment is 5%. Maximum loan amount is $225,000. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. Offer may end at any time without notice. 3Auto Loans - An initial deposit of $5 to be held in your Community First Share account is required for membership.*Credit, income, and other restrictions apply. First payment may be deferred up to 90 days. Interest continues to accrue during deferred payment period. Deferring your payment will result in your having to pay higher total Finance Charges. Offer can end at any time without prior notice.**APR = Annual Percentage Rate. A payment example is $5,000 financed for 24 months at 2.74% APR is approx. $214.35. 4Home Improvement Loans - Credit, income, and other restrictions apply. First payment may be deferred up to 90 days. Interest continues to accrue during deferred payment period. Deferring your payment will result in your having to pay higher total Finance Charges. Offer can end at any time without prior notice. **APR = Annual Percentage Rate. A payment example is $500 financed for 12 months at 7.99% APR is approx. $43.50. 5Credit Cards - An initial deposit of $5 to be held in your Community First Share account is required for membership. *APR= Annual Percentage Rate. 1.9% APR for 12 months valid for balance transfers made within the first 90 days of account opening. After the 12 months promotional period ends, it will revert back to normal rates currently 10.40% APR - 17.25% APR. Cash Advance Fee= $10.00 or 2.00% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee= 1.00% of each multiple currency transaction in U.S. dollars, 0.80% of each single currency transaction in U.S. dollars. Late Payment Fee= up to $25. Returned Payment Fee= up to $25. Credit, income, and other restrictions apply. Offer may end at any time without notice. **$150 credited to qualifying members’ primary share account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. Cash back limit is $6,000. All loans and accounts are subject to approval. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply and verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.***In each monthly savings statement, you will be credited a percentage of the U.S. dollar value of net purchases made during that months credit card statement cycle. Currently, the rewards percentage is 1.50%; however, this percentage may change at our discretion at any time without advance notice to you. Cash advances and balance transfers are excluded from this offer. Some restrictions may apply.