Current Offers
Take advantage of limited-time offers and promotions from Community First Credit Union!
Take advantage of our featured rate of 5.09% APR for 72 months1 to get your next car! Whether you're looking for a new or used vehicle or refinance a loan, our low rates can help you take the next step. Check out additional rates and terms below.
Start the school year strong. Open a new Youth Share Savings (0-12) or Youth SureBalance (13-17) account in a Community First Branch and make qualifying deposits during August. We'll match deposits up to $25.2
Learn More
Get the keys to your dream home with a no closing cost Mortgage Loan.3
- Earn up to $200 cash6 with a new Connections Business Checking Account
- Take advantage of our Remote Deposit Capture service.
- Pay your vendors, employees, and invoices same day with ACH/Wire Transfers.
- Pay your employees easier using electronic ACH Payroll services.
Rates You Can't Miss
Rates can change at any time, so lock in your special offer rates on CDs, loans and more.
- Earn up to 4.00% APY11
- Fixed rate for 13 months
- Guaranteed growth with no market risk
- No ongoing management required
- Your deposits are federally insured up to $250,000 by the National Credit Union Administration
1 APR= Annual Percentage Rate. A payment example is $20,000.00 financed for 72 months at 5.09% is approx. $323.67 Minimum loan amount is $20,000. Used vehicles must be 2018 or newer. All rates are based on the member’s individual credit history. Terms are subject to conditions and verification. Credit, income and other restrictions may apply.
2 Offer valid August 1, 2026, through August 31, 2026, (“Promotional Period”). To qualify, on the date of account opening, the new member must be age 17 or younger and open a new Community First Credit Union of Florida (“Credit Union”) Youth Membership with a Youth Advantage Share Savings Account (ages 0–12) or a new Credit Union Youth Advantage Share Savings Account and Youth SureBalance Checking Account (ages 13–17) at a Credit Union branch during the promotional period. An initial deposit of $5, to be held in your Credit Union Savings account, is required for membership. The joint owner on all accounts must be 18 years of age or older. Community First will provide a dollar-for-dollar match on qualifying deposits made during the Promotional Period, up to $25. The required $5 membership Savings deposit is not a qualifying deposit for the promotion, For members ages 0–12, qualifying deposits must be made into the Share Savings Account. For members ages 13–17, qualifying deposits must be made into the Youth SureBalance Checking Account. The matching bonus will be calculated based on total amount of qualifying deposits made during the Promotional Period, up to a maximum matching bonus of $25. The matching bonus will be deposited into the qualifying account on or before September 4, 2026. For example, a member who deposits $25, in addition to the $5.00 membership deposit, during the Promotional Period will receive a $25 matching bonus; a member who deposits $10, in addition to the $5.00 membership deposit, during the Promotional Period will receive a $10 matching bonus. Qualifying deposits used to calculate the matching bonus must remain in the account through the Promotional Period. The account must remain open and be in good standing through the date the bonus is credited. Offer valid for new youth memberships only. Limit one matching bonus per youth member, regardless of the number of qualifying accounts opened. Offer may not be combined with any other promotional offers or incentives. As of 07/15/2026, balances on the Youth Advantage Share Savings $0 - $500.00 1.00% Annual Percentage Yield (APY); balances $500.01 earn 0.10% APY. Rates may change at any timewithout notice. Fees may reduce earnings on account. Offer available for a limited time and all Credit Union programs, services, rates, terms, conditions are subject to change at any time without notice.
3 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 $806,500. This special offer is not available for First Time Home Buyer products. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. This offer may end at any time.
4 Rapid pre-approvals are available on home purchases only.
5 The rate is frozen for up to 90 days while you shop for a home. A one-time fee will apply and is due upon issuing a pre-approval. Other restrictions and conditions apply. Contact us for details.
6 $200 account credit given upon opening a new Connections Business Checking account. APY= Annual Percentage Yield. $100 minimum opening deposit required for any business checking account.
7 A $5,000 minimum limit is required on the Visa® Signature Credit Card. In each monthly savings statement, you will be credited a percentage of the U.S. dollar value of net purchases made during that month's credit card statement cycle. Currently, the Cash Back Rewards percentage is 1.5%; however, this percentage may change at our discretion at any time without advance notice to you.
8 $150 credited to qualifying members’ primary share account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. All loans and accounts are subject to approval. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.
9 APR= Annual Percentage Rate. 0% Introductory APR for 12 billing cycles, valid for balance transfers made within the first 90 days of account opening. After the 12-month promotional period ends, it will revert to your standard variable rate. A 3% transaction fee will be applied for each balance transfer. All credit card applications are subject to approval. Balance transfers of existing Credit Union credit cards are not eligible for this promotion. Certain restrictions and limitations may apply.
10APR= Annual Percentage Rate. 1.9% Introductory APR for 12 billing cycles from date of account opening, valid for purchases made within the first 90 days of account opening. After the 12-month promotional period ends, it will revert to your standard variable rate. All credit card applications are subject to approval. Certain restrictions and limitations may apply.
11 Rate listed applies to 13-month term. APY= Annual Percentage Yield. Interest compounded monthly. Subject to early withdrawal fees equivalent to 180 days of interest earned. The required minimum opening deposit for 4.00% APY rate is $45,000. Offer may end at any time without notice. Rates accurate as of 07/15/26. Fees may reduce earnings. Restrictions apply and rates can change at any time without notice.
All new accounts are subject to approval and membership eligibility required. Please visit our website at www.communityfirstfl.org/connect/become-a-member or call 904.354.8537 for more information on membership requirements. Fees may reduce earnings. Restrictions may apply. Product offers, terms, and other information provided herein are subject to change without notice.