Special Offer

Limited-Time Only! Cool down your Personal Loan rate with a 0.5% APR discount!1 Apply before March 31st to take advantage of this exclusive offer.

Personal Loan Rates

Whether you're looking to consolidate debt or take your dream vacation, a Community First Personal Loan can help you reach your financial goals with low rates and local decision-making.

Check Out Our Low Personal Loan Rates

Effective 01/30/2026 12:00 AM

Personal Loan

Minimum Term Rates as low as
$500 0-36 months 9.89% APR
$3,500 37-60 months 10.39% APR
$10,000 61-72 months 11.59% APR
$15,000 73-84 months 13.39% APR
A payment example is $3,000.00 financed at 9.89% APR for 36 months is approx. $97.07. Credit and other restrictions apply. Offer may end at any time without notice.

Personal Line of Credit

Rates as low as 9.99% APR2 ($500 minimum).

The payment amount is $15 for every $500 of loan balance outstanding, calculated on the 28th of the month, with a minimum payment amount of $25. Credit and other restrictions apply. Offer may end at any time without notice.

1 APR= Annual Percentage Rate. Cooling Down Rates 0.5% off APR offer applies for Personal Loans and Auto loans that are new, used, or refinanced from another financial institution. Loan documents must be originated on or before 3/31/2026. Loan documents originated in DocuSign must be accepted, signed, and returned by expiration date in DocuSign. In branch loan documents must be signed by 3/31/2026. Loan drafts presented to a dealership for vehicle purchase between 3/15/2026 and 3/31/2026 will receive the promotional discount. Indirect loan applications must be originated between 3/15/2026 and 3/31/2026 and documents must be signed for by 3/31/2026. All loans are subject to credit approval. Rate reduction will be applied to the approved rate tier. Restrictions may apply. Promotion excludes Green Path Auto Loans, all recreational vehicles, and refinances of existing Community First Credit Union of FL loans.

2 APR= Annual Percentage Rate.