Local Legends Program
At Community First, we're committed to showing appreciation to our members that help strengthen our communities. Check out our legendary rate discounts for local legends like you.
You show up for our community every day. Now, we’re showing up for you with special mortgage and auto loan rate discounts with our Local Legends Program to help move your goals forward. Check out the exclusive benefits you can get on our auto and mortgage loans as pillars of our community.
Medical Professionals
Teachers & Educators
First Responders
Law Enforcement
Military & Defense
FAQ
Educators
Teachers, professors, substitute teachers, schoolboard members, employees of the school system, and educators working in accredited public or private institutions from pre-kindergarten through university level.
Medical Professionals
Medical doctors, physician assistants, registered nurses, certified nursing assistants, licensed practical nurses, radiologic technologists, physical therapists, speech-language pathologists, dentists, and dental assistants.
First Responders
Public, private, and volunteer firefighters, paramedics, and emergency medical technicians (EMTs).
Law Enforcement
Uniformed officers, detectives, sheriffs and deputies, state police and highway patrol, special jurisdiction police, air marshals, border patrol agents, crime scene investigators, corrections officers, and federal law enforcement officers.
Military & Defense
Active duty, reserve, veteran, and retired members of the Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, and National Guard, including spouses and widowed spouses. Eligible Department of Defense employees and government contractors are also included.
Auto loans and first mortgage purchases and refinances.
You can apply as usual by using the "Apply" buttons above to apply online, scheduling an appointment, or calling our team. From there, our team will contact you with your discounted rate.
Want to apply via phone call?
To apply for an Auto Loan, call our Express Team at 904.224.9077.
To apply for a Mortgage loan, call our Mortgage team at 904.371.8150.
Our team is here to help.
For any questions on Auto Loans, call our Express Team at 904.224.9077.
For any questions on Mortgages, Reach out to our Home Mortgage Advisors at 904.371.8150.
Hours of Operation:
Monday - Friday: 8 a.m. – 6 p.m.
Federally insured by NCUA. All new accounts and loans are subject to approval and membership eligibility required. Please visit our website at communityfirstfl.org/connect/become-a-member or call 904.354.8537 for more information on membership requirements.
1 - Down payment will be based on credit union’s Local Legends Loans Program criteria. Available for purchase or refinance of primary residence only. Fixed rate and ARM loans are eligible. No PMI required. Community First’s First Time Home Buyer loan program loans are excluded from this program.
2 - Community First's No Closing Costs Mortgage Offer is available on primary and secondary residences only. Community First will pay up to $5,000 of the actual closing costs associated with this new mortgage excluding appraisal fees, origination fee, discount points, prepaid interest, private mortgage insurance, funds needed to establish the member's escrow account and non-lender fees. Maximum loan amount $1,500,000. This special offer is not available for Community First’s First Time Home Buyer loan program. Some exclusions and restrictions apply.
3 - Program is only available on new (years 2025 and newer) and used (years 2019-2024) auto loans. Older used autos (years 2013 to 2018) and Green Path loans are not eligible. Minimum credit score is 640. This discount cannot be combined with any other auto and/or loan discounts or promotional offers.
4 - Credit, income, and other restrictions apply. First payment may be deferred up to 90 days. Interest continues to accrue during deferred payment period. Deferring your payment will result in you having to pay higher total Finance Charges.
Approval under the Local Legends program is not guaranteed and is contingent upon verification of eligibility as set forth by the credit union. Program availability, eligibility criteria, and associated benefits are subject to change or end without notice.
All credit union programs, services, rates, terms, and conditions are subject to change at any time without notice.