Featured Credit Card
Visa® Platinum Card
Community First Credit Union’s Visa® Platinum Credit Card offers the lowest interest rate of all credit cards and features free balance transfers, no annual fees, and exclusive cardholder offers.
Benefits of a Visa Platinum Rewards Credit Card
No annual or balance transfer fees
Get all the benefits and features of a great Visa® Credit Card without paying annual or balance transfer fees.
Card controls
Control your credit card from Online and Mobile Banking. You can freeze cards, set alerts, make payments, and more.
Real-time text alerts
Easily monitor account activity and quickly identify potential fraud in real time with Credit Card Fraud Alerts.
Exclusive Visa® offers
Gain access to a variety of Visa® Offers and Perks with deals on dining, shopping, sports, entertainment, and more.
Special balance transfer rate
Enjoy 1.9% APR for 12 months on purchases and balance transfers made within the first 90 days.*
| Visa® Signature Apply |
Visa® Platinum Rewards Apply |
Visa® Platinum Apply |
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| Benefits | Unlimited 1.5% Cash Back* on all purchases | 1 Rewards Point earned for every $1 spent | Our lowest rate card |
| Purchase & Balance Transfer Rate | 1.9% APR for 12 months on purchases and balance transfers made within the first 90 days* | 1.9% APR for 12 months on purchases and balance transfers made within the first 90 days* | 1.9% APR for 12 months on purchases and balance transfers made within the first 90 days* |
| New Cardholder Offers | $150 Cash Bonus1 for spending $1,000+ within the first 90 days. | 10,000 Bonus CURewards points for spending $1,000+ within the first 90 days2 | |
| Balance transfer fees | None | None | None |
| Annual fees | None | None | None |
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| Free online & mobile banking | |
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| Free online bill pay | |
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| Free eStatements | |
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Educational Resources
Wondering if adding a credit card to your finances is a smart move? Our lending team explains what you should know and expect.
When looking for your first credit card, a little research goes a long way. We explain what you need to know with tips to help you compare and choose.
Your credit score is a significant financial indicator for potential lenders. Find out why your credit score is so important and how you can improve it.
Loans have a lot of specific terms and jargon that can be confusing. We explain the basics so you can be empowered and informed.
Be empowered to reach your financial goals at every stage of life with our free moveUP Financial Wellness Program. Access our quick and easy moveUP modules anytime, anywhere.
Explore other Great Products and Find What’s Right for You
Visa® Signature Credit Card
Get 1.5% cash back2 on everything, everywhere—it’s that simple. New cardholders can earn a $150 cash bonus.3
Visa® Platinum Rewards Credit Card
Earn points on every purchase. You’ll get 1 point per $1 spent with access to special merchant offers. New cardholders can earn 10,000 bonus points.
Personal Loans
Have an unplanned expense? Struggling with too much debt? Our Personal Loans are a good way to get the money you need to make your life better.
Money Market Accounts
Get rewarded for growing your savings balances. Our Money Market account features a tiered-rate structure, so you earn a higher interest rate as you increase your balances.
FAQs
Am I eligible for membership at Community First Credit Union?
Community First Credit Union membership is open to anyone who lives, works, or attends school in one of the following Florida 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 employees of Brooks Rehabilitation, Miller Electric Company, and Web.com. Not sure if you qualify? Contact us.
How do I apply for a credit card?
You can apply for a credit card online or in a branch. It takes minutes to complete the application, and eligible borrowers receive approvals in minutes. Call our Express Team to get started at 904.204.8494.
What do I need to apply for a credit card?
To apply for a credit card, you'll need the following:
If this is your first account with Community First Credit Union, an initial deposit of $5 in a Share Savings Account is required to establish membership.
- Your social security number
- Valid United States Driver's License, Permanent Resident Card, or United States Passport
- Your income
If this is your first account with Community First Credit Union, an initial deposit of $5 in a Share Savings Account is required to establish membership.
All credit card offers are subject to credit approval. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice. Terms and conditions apply. Credit, income, and other restrictions apply. Offers may end at any time without notice. All introductory offers are only available for new credit cards. You may not be eligible for introductory credit card offers if you opened a Community First Credit Card within the last 15 months from the date of the new application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance. The minimum limit is $500.
*APR= Annual Percentage Rate. 1.9% APR for 12 months, valid for balance transfers and purchases made within the first 90 days of account opening. After the 12-month promotional period ends, it will revert to your standard variable rate. Credit, income, and other restrictions apply. Offer may end at any time without notice.
1 $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. 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. Verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.
2 For more details about Rewards Accrual, see our CURewards Rules page.
3 10,000 bonus points credited to qualifying members rewards account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice.
*APR= Annual Percentage Rate. 1.9% APR for 12 months, valid for balance transfers and purchases made within the first 90 days of account opening. After the 12-month promotional period ends, it will revert to your standard variable rate. Credit, income, and other restrictions apply. Offer may end at any time without notice.
1 $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. 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. Verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.
2 For more details about Rewards Accrual, see our CURewards Rules page.
3 10,000 bonus points credited to qualifying members rewards account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice.