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 2.39% APR is approx. $213.57. At least $2,500 minimum for refinances and $4,000 for new purchases.