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 HomeDepot.com. 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.