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. Get $100 for refinancing an auto loan balance of $10,000-$19,999.99, $150 for refinancing $20,000-$24,999.99, or $200 for refinancing $25,000. Excludes loans already financed at Community First. Offer may end at anytime without notice.