We are here to help members who are being affected by the government shutdown. We are hopeful that our elected officials will find a timely resolution very soon. If you have an immediate need, please visit one of our 19 branches or contact us at 904-354-8537 to discuss your situation and various solutions we may offer. Learn more.

The credit union will be closed on Monday, January 21, 2019 in observance of Dr. Martin Luther King, Jr. Day. This includes our downtown headquarters and all of our branches. For your convenience, Online and Mobile Banking services are available 24/7.

Visa® Platinum Card

Community First Visa® Platinum Card

Our lowest rate card.

If you normally carry high credit card balances, this is the card for you. It gives you a chance to break free from debt sooner with a low rate, no balance transfer fee, and no annual fee. It’s one of the lowest rate credit cards you'll find anywhere.

Apply Now |  Call 904.204.3326

Schedule an Appointment

1.9% APR on Balance Transfers

for 15 months made in the first 90 days from account opening.

Lowest rate card we have


No Annual Fee

No Balance Transfers Fees



  • Enhanced Security with EMV chip-enabled for added security
  • Favorable rates
  • No penalty rate and low variable rate

Additional Credit Card Information

Federally insured by NCUA. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam, or St. Johns counties. *APR= Annual Percentage Rate. 1.9% APR for 15 months valid for balance transfers made within the first 90 days of account opening, After the 15 months promotional period ends, it will revert back to our normal variable rates. Credit, income, and other restrictions apply. Offer may end at any time without notice.