As a responsible community partner, we want to help prevent the spread of COVID-19.

  • Therefore, we have decided to transition our branch lobby services to drive-thru only beginning Monday, March 23.
    Drive-thru hours of operation will be Mon. - Thur. 9 am - 5 pm | Fri. 9 am - 6 pm  | Sat. 9 am - 5 pm
  • Branches with no drive-thru (Mandarin, UNF and Riverside) will be completely closed with no services available for the time being.
  • The Yulee branch lobby will remain open on a limited basis. To ensure sufficient social distancing we will limit the number of members to five (5) in the Yulee branch at once. We will reopen our branch lobbies as soon as the situation allows.
  • Due to high call volume, you may experience longer than normal wait times when contacting our member experience center.  We apologize for any inconvenience.  

What would you do with extra cash?

A personal loan from Community First can help you consolidate debt, take a vacation, do home repairs, cover car expenses, pay for medical procedures and much more.  Have the cash you need, when you need it and start focusing on what's most important to you. 

Apply for a Personal Loan

Call 904.354.8537, option 3

Personal Signature Loans

Personal Signature Loans feature fixed low rates that never go up. You can apply for up to $50,000 and spread out your payments for up to 84 months. 

  • Fixed low payment
  • Terms up to 84 months
  • No origination fee
  • No account fees
  • Loans for up to $50,000
  • Transfer cash into your account
  • Competitive low interest rates

Lines of Credit

A Line of Credit is a revolving credit line is available for you to draw on whenever you need it. It works like a credit card without the plastic.

  • Revolving line of credit (similar to a credit card)
  • Minimum $500
  • No account fees
  • No origination fee
  • Take control of your cash flow
  • Draw cash out as you need it
  • Online account access
  • Competitive low interest rates

Shared Secured Loans and CD Secured Loans

Do you need to establish credit? Community First Share or CD Secured Loans are connected to money already in your account and allow you to build credit or rebuild and improve your credit score. Benefits include:

  • Ability to leverage your own funds
  • Reduced rates and lower than other types of loans

All loans and accounts are subject to approval.  All rates are based on an evaluation of the member’s individual credit history.  Terms are subject to conditions and verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.