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.

No Car Payments for 90 days + Low Rates from 2.89% APR*

Apply Now or complete the form below to have someone contact you.

Free up cash ahead of the holidays!

Now’s your chance to make no car payments for 90 days! Whether purchasing a new vehicle, or refinancing an auto loan you have elsewhere, you can defer your payments for 90 days! This is a limited time offer, so apply today and get ready to free up more of your own money.

  • No payments for 90 days on refinances and purchases
  • Low rates from only 2.89% APR
  • $0 down payment required
  • New and used financing available
  • Fast and easy approvals

Click here to use our auto loan calculator.


Federally insured by NCUA. An initial deposit of $5 to be held in your Community First Share account is required for membership. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. *Credit 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 2.89% APR is approx. $214.66. At least $2,500 minimum for refinances and $4,000 for new purchases.