Individual Retirement Accounts (IRAs) & 457s

Everyone needs to have a plan for retirement. Prepare for your future with our selection of IRA and 457 accounts.

Benefits

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Reduce taxable income
You may be able to deduct the money you contribute to a Traditional IRA from your taxable income.*
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No monthly fees
Keep your hard-earned cash and save more of it with no monthly maintenance fees.
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Transfer IRAs
Move IRAs from other financial institutions to Community First with no fees.
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Track progress
View your accounts and track your progress with 24/7 account access in Online and Mobile Banking.

Invest in your future

Community First Credit Union proudly provides financial solutions for every stage of life. Our CFS Investment Advisors2, offered through CUSO Financial Services, L.P., offer our members comprehensive financial planning tools to help them live their best lives now and into the future with total peace of mind.
 
Learn More

Looking for something different? Explore our other great account options.

Certificates of Deposit (CDs)

CDs3 are a great way to save for short- and long-term goals with financial peace of mind. You choose the length of the term, and we'll deliver a guaranteed return.

Money Market Account

Get rewarded for growing your savings balances. Our Money Market4 account features a tiered-rate structure, so you earn a higher interest rate as you increase your balances.

Share Savings Account

Our Share Savings5 account gives you access to all the benefits of Community First Credit Union membership, and it's a great basic savings account, too.

Advantage Checking Account

With our Advantage Checking6 account, you’ll earn interest on your entire checking account balance and a premium interest rate on your first $500, with no monthly maintenance fees.

FAQs

Am I eligible for membership at Community First Credit Union?

Community First Credit Union membership is open to anyone who lives, works, or attends school in one of the following Florida counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia.

Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to select employer groups, including employees of Brooks Rehabilitation, Miller Electric Company, and Web.com. Not sure if you qualify? Contact us.

1IRAs & 457s - Consult with your tax advisor regarding tax deductibility. A minimum of $5 must be maintained in a Share Savings account to access Community First Credit Union's products and services.

2Investment Services - Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Community First Credit Union of Florida has contracted with CFS to make non deposit investment products and services available to credit union members. For specific tax advice, please consult a qualified tax professional.

Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

3Certificates of Deposit (CDs) - Product offers, rates, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our website which may be beyond our control, Community First Credit Union cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you on our calculators is estimated and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate. To verify current offers and rates, please call 904.204.1711 or 800.342.8416

4Money Markets - Product offers, rates, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our website which may be beyond our control, Community First Credit Union cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you on our calculators is estimated and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate. To verify current offers and rates, please call 904.204.1711 or 800.342.8416

5Share Savings - New members must open a share account with a minimum $5 initial deposit (share account is required for membership). Rates may change at anytime without notice. Fees may reduce earnings on account. Balances above $100 earn current share rate. Click here to view Savings rates

6Advantage Checking - APY = Annual Percentage Yield. Rates may change without notice after the account is opened. Fees could reduce earnings. All offers may end at any time without notice. New members must open a share account with a minimum $5 initial deposit (share account is required for membership). Advantage Checking account pays interest on your entire checking account balance. You can also earn a premium interest rate on your first $500 when you make 10 or more debit card transactions each month and enroll in eStatements.