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.

Call us at 904.354.8537 or complete the form below to have someone contact you.


Make money every month guaranteed for 10 months.

We have some of the highest rates around on a short-term CD. Get ready to earn more and let your money work for you. Just choose your rate and watch your money grow faster than ever before. Plus, enjoy no account fees, a low minimum deposit, and an easy account opening process.

  • 2.53% APY ($100,000 min.)
  • 2.43% APY ($45,000 min.)
  • 2.38% APY ($500 min.)

How is Community First Credit Union able to offer such great CD rates? As a locally operated credit union, we’re able to offer higher deposit rates, lower loan rates, and free checking accounts that many other banks cannot. Try us out for yourself and discover why more than 130,000 people in Northeast Florida Love Where They Bank. Anyone living or working in Northeast Florida can open an account.

Description Rate APY Min. Deposit
3-5 Month CD 0.30% 0.30% $500.00
6-11 Month CD 0.85% 0.85% $500.00
30-35 Month CD 1.78% 1.80% $500.00
36-47Month CD 1.83% 1.85% $500.00
48-59 Month CD 1.88% 1.90% $500.00
60 Month CD 2.37% 2.40% $500.00


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. *APY= Annual Percentage Yield. Interest compounded monthly. Subject to an early withdraw penalty equivalent to 90 days of interest earned. Offer may end at any time without notice. Rates accurate as of 12/31/2018.