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. Community First will pay the closing cost associated with a home equity loans, excluding the cost of a full appraisal if required. Fixed rate equity loan terms are 10, 15 & 20 years. Home Equity Loan payment example: $50,000 borrowed for a 10 yr. term at 5.28% APR would equal a payment of $537.20 a month. Minimum loan amount is $10,000. Maximum loan amount is $200,000. Maximum loan-to-value is 90% of the property value. All home equity loans are subject to credit approval. Some other restrictions may apply.