Love where you live + get a $100 Home Depot gift card*

Call (904) 474-5008 to Apply Now or complete the form below to request more information.


Do more of what's important to you.

We want to help you love where you live and start those home improvements you’ve been waiting to do. Our low rate Fixed Home Equity Loan can help you use the cash available in your home to renovate old bathrooms, upgrade to new appliances, update your kitchen or anything else you want to do. The best part is we’ll even give you a $100 Home Depot gift card to help you get started. Get ready to finally do more of what’s important to you.

  • No Closing Costs*
  • 10, 15 & 20 year fixed terms
  • Among the lowest rates around
  • Transfer cash right into your account
  • Get a $100 Home  Depot gift card (limited time offer)

As a locally operated credit union, we’re able to offer higher deposit rates and lower loan rates than many other banks. We also offer free checking accounts. Try Community First risk free! Discover why more than 126,000 people in Northeast Florida Love Where They Bank.

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. *Fixed Second Mortgage - Terms are 10, 15 and 20 years. Minimum loan amount is $10,000. If loan is paid in full within one year of the date of the loan, a pre-payment penalty up to $1,000 may apply. Home Equity Loan payment example: $50,000 borrowed for a 10 yr. term at 5.04% APR would equal a payment of approx. $531.31 a month. Payment does not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater. Community First Credit Union is not affiliated with The Home Depot®. The Home Depot® is a registered trademark of Homer TLC, Inc. The Home Depot® is not a sponsor of this promotion. Terms & Conditions. Valid toward purchase of merchandise/services at any The Home Depot® store in the U.S., Canada and online at Gift Card carries no implied warranties and is not a credit/debit card. Not redeemable for cash (unless required by law) and cannot be applied to any credit or loan balance, Tool Rental deposits, or for in home/phone purchases. Gift Cards will not be canceled and replaced without proof of purchase. Except as required by law, Gift Cards purchased with cash will bot be replaces and any Gift Card may be deactivated or rejected in connection with fraudulent actions. Check your balance at any The Home Depot® store or online. Reload card value at any The Home Depot ® store. © 2016. HOMER TLC, Inc. All rights reserved. Redeemable in local funds at Home Depot’s then applicable exchange rate.