Federally insured by NCUA. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. A $5 initial deposit (to be held in the new member’s primary Share account) is required for membership. $25 minimum deposit required for checking opening. Offer may end at any time without notice. New member can only be referred by one existing member. Existing members must notify Community First when the new member opens a checking to receive $25. Additional restrictions may apply.