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Community First Credit Union (FL)


Overview / Commentary
www.communityfirstfl.org
904-354-8537
637 N Lee St
Jacksonville, FL 32204

Community First Credit Union (FL) is headquartered in Jacksonville and is the 13th largest credit union in the state of Florida. It is also the 179th largest credit union in the nation. It was established in 1961 and as of December of 2020, it had grown to 316 employees and 150,441 members at 21 locations. Community First Credit Union (FL)'s money market rates are 14% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Community First Credit Union is open to those who live or work in Clay, Baker, St. Johns, Duval, Nassau, Putnam or Flagler counties in Florida.
See current membership details

Reviews (10)

Community First feels like family.

Posted by: |

I've been banking with Community First since I was a teenager. It was my father's bank, and when I turned 16, he took me there to open a checking and a savings account. Since that time, I've banked with many other banks. From Wells Fargo, to Bank of America, to Regions, all have paled in comparison to Community First. The people at Community First really seem to enjoy their job. They enjoy getting a smile out of their customer. They get to know you. They really make me feel like they care about me. Anytime that I have had an issue with my account, they have helped me resolve it immediately. Whether it was an unauthorized charge, or even when I accidentally went over my account balance, they have worked with me to make the situation easy and painless. I expect to continue to bank with Community First for the rest of my life.

2

A great place to bank.

Posted by: |

One of the best things about this credit union is that they are open on Saturdays. This is so convenient to me. They have many benefits for their members. They have financial courses you can take. Online banking which is another feature I really like. They have different types of calculators on their web page for you to use. They have several branches and are eager to help with my financial needs.

2

Good Alternative To Banks

Posted by: |

I switched to this credit union after feeling incredibly frustrated with my bank at the time, and have to say I was pleasantly surprised. You feel absolutely welcome when you walk in the door till the time you leave. Everyone is so nice and cheerful and radiates such positive energy. I found their fees and services to be excellent in comparison to major banks. I did initially have some issues as my debit card didn't come after an enormous amount of time, but they were incredibly helpful and even sent me a new one with expedited service at no cost. I would consider that top notch customer service. The only other issue I've had with this bank was one time on vacation they denied a purchase but that was due to the automated security recognizing a purchase was being made out of state, a quick call to their customer service sorted the whole thing out. I'm so happy I switched.

2

Community Is A Great Place!

Posted by: |

Community first is a wonderful place to bank, and work for. The downtown location is very convenient the a lot of businesses, and the staff there is always in eager to help.

1
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Health
A+

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #67290
Year Chartered1961
Employees316
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD6.8%
Annual Interest Income$63.7MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$2.07B$1.75B
LoansQ4 2020vs Q4 2019$1.40B$1.33B
DepositsQ4 2020vs Q4 2019$1.78B$1.48B
Equity CapitalQ4 2020vs Q4 2019$258.1MM$237.8MM
Loan Loss AllowanceQ4 2020vs Q4 2019$22.3MM$16.7MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$5.5MM$6.7MM
Real Estate OwnedQ4 2020vs Q4 2019$493.00K$540.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community First Credit Union (FL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$500Youth Advantage Share Savings
OTHER TIERS: 0.10% → $500+
0.55%*$50k*-IRA Shares
OTHER TIERS: 0.10% → $100 - $2.5k | 0.15% → $2.5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k
0.55%*$50k*-457 Shares
OTHER TIERS: 0.10% → $100 - $2.5k | 0.15% → $2.5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k
0.55%*$50k*-HSA
OTHER TIERS: 0.10% → $100 - $2.5k | 0.15% → $2.5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k
0.10%$100-Primary Share Savings
0.10%$100-Special Purpose Share Savings
0.10%$100-Primary Business Share Savings

Community First Credit Union (FL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$250k*-Business Money Market
OTHER TIERS: 0.20% → $100 - $2.5k | 0.25% → $2.5k - $10k | 0.30% → $10k - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $100k | 0.45% → $100k - $250k
0.50%*$250k*-Premier Money Market
OTHER TIERS: 0.10% → $1k - $10k | 0.25% → $10k - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $100k | 0.45% → $100k - $250k
0.45%*$250k*- Money Market
OTHER TIERS: 0.10% → $1k - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $50k | 0.30% → $50k - $100k | 0.40% → $100k - $250k

Community First Credit Union (FL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*-$500Advantage Checking - Qualifying
OTHER TIERS: 0.05% → $500+
0.10%$1k-Premier Business Checking

Community First Credit Union (FL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$250k-60 Month Jumbo Plus CD
0.95%$250k-48 - 59 Month Jumbo Plus CD
0.90%$100k-60 Month Jumbo CD
0.90%$250k-Adjustable 60 Month Jumbo Plus CD
0.85%$250k-36 - 47 Month Jumbo Plus CD
0.85%$100k-48 - 59 Month Jumbo CD
0.80%$45k-60 Month Junior Jumbo CD
0.80%$100k-Adjustable 60 Month Jumbo CD
0.75%$500-60 Month CD
0.75%$100k-36 - 47 Month Jumbo CD
0.75%$45k-48 - 59 Month Junior Jumbo CD
0.75%$250k-Adjustable 36 Month Jumbo Plus CD
0.70%$500-48 - 59 Month CD
0.70%$250k-30 - 35 Month Jumbo Plus CD
0.70%$45k-Adjustable 60 Month Junior Jumbo CD
0.65%$500-Adjustable 60 Month CD
0.65%$250k-18 - 23 Month Jumbo Plus CD
0.65%$250k-24 - 29 Month Jumbo Plus CD
0.65%$45k-36 - 47 Month Junior Jumbo CD
0.65%$100k-Adjustable 36 Month Jumbo CD
0.60%$500-36 - 47 Month CD
0.60%$250k-12 Month Jumbo Plus CD
0.60%$100k-30 - 35 Month Jumbo CD
0.60%$250k-12 Month Youth Advantage - Jumbo Plus CD
0.60%$250k-13 - 17 Month Jumbo Plus CD
0.55%$250k-6 Month Save Up Student - Jumbo Plus Promo CD
0.55%$250k-6 - 11 Month Jumbo Plus CD
0.55%$100k-24 - 29 Month Jumbo CD
0.55%$45k-Adjustable 36 Month Junior Jumbo CD
0.50%$100k-12 Jumbo CD
0.50%$100k-18 - 23 Month Jumbo CD
0.50%$45k-30 - 35 Month Junior Jumbo CD
0.50%$100k-12 Month Youth Advantage - Jumbo CD
0.50%$500-Adjustable 36 Month CD
0.50%$100k-13 - 17 Month Jumbo CD
0.45%$500-30 - 35 Month CD
0.45%$100k-6 Month Save Up Student - Jumbo Promo CD
0.45%$100k-6 - 11 Month Jumbo CD
0.45%$45k-24 - 29 Month Junior Jumbo CD
0.40%$500-24 - 29 Month CD
0.40%$45k-12 Month Junior Jumbo CD
0.40%$45k-18 - 23 Month Junior Jumbo CD
0.40%$45k-12 Month Youth Advantage - Junior Jumbo CD
0.40%$45k-13 - 17 Month Junior Jumbo CD
0.35%$500-12 Month CD
0.35%$500-18 - 23 Month CD
0.35%$100-12 Month Youth Advantage CD
0.35%$45k-6 Month Save Up Student - Junior Jumbo Promo CD
0.35%$250k-3 - 5 Month Jumbo Plus CD
0.35%$45k-6 - 11 Month Junior Jumbo CD
0.35%$500-13 - 17 Month CD
0.30%$500-6 - 11 Month CD
0.30%$250-6 Month Save Up Student Promo CD
0.25%$100k-3 - 5 Month Jumbo CD
0.20%$45k-3 - 5 Month Junior Jumbo CD
0.15%$500-3 - 5 Month CD

Community First Credit Union (FL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$250k-60 Month Jumbo Plus IRA CD
1.01%$250k-60 Month Jumbo Plus SEP CD
0.95%$250k-48 - 59 Month Jumbo Plus IRA CD
0.95%$250k-48 - 59 Month Jumbo Plus SEP CD
0.90%$100k-60 Month Jumbo IRA CD
0.90%$250k-Adjustable 60 Month Jumbo Plus IRA CD
0.90%$100k-60 Month Jumbo SEP CD
0.90%$250k-Adjustable 60 Month Jumbo Plus SEP CD
0.85%$250k-36 - 47 Month Jumbo Plus IRA CD
0.85%$100k-48 - 59 Month Jumbo IRA CD
0.85%$250k-36 - 47 Month Jumbo Plus SEP CD
0.85%$100k-48 - 59 Month Jumbo SEP CD
0.80%$45k-60 Month Jr. Jumbo IRA CD
0.80%$100k-Adjustable 60 Month Jumbo IRA CD
0.80%$45k-60 Month Jr. Jumbo SEP CD
0.80%$100k-Adjustable 60 Month Jumbo SEP CD
0.75%$500-60 Month IRA CD
0.75%$500-60 Month SEP CD
0.75%$45k-48 - 59 Month Jr. Jumbo IRA CD
0.75%$100k-36 - 47 Month Jumbo IRA CD
0.75%$100k-36 - 47 Month Jumbo SEP CD
0.75%$45k-48 - 59 Month Jr. Jumbo SEP CD
0.75%$250k-Adjustable 36 Month Jumbo Plus IRA CD
0.75%$250k-Adjustable 36 Month Jumbo Plus SEP CD
0.70%$500-48 - 59 Month SEP CD
0.70%$500-48 - 59 Month IRA CD
0.70%$250k-30 - 35 Month Jumbo Plus IRA CD
0.70%$45k-Adjustable 60 Month Jr. Jumbo IRA CD
0.70%$250k-30 - 35 Month Jumbo Plus SEP CD
0.70%$45k-Adjustable 60 Month Jr. Jumbo SEP CD
0.65%$500-Adjustable 60 Month SEP CD
0.65%$500-Adjustable 60 Month IRA CD
0.65%$250k-18 - 23 Month Jumbo Plus IRA CD
0.65%$250k-24 - 29 Month Jumbo Plus IRA CD
0.65%$45k-36 - 47 Month Jr. Jumbo IRA CD
0.65%$250k-18 - 23 Month Jumbo Plus SEP CD
0.65%$250k-24 - 29 Month Jumbo Plus SEP CD
0.65%$45k-36 - 47 Month Jr. Jumbo SEP CD
0.65%$100k-Adjustable 36 Month Jumbo IRA CD
0.65%$100k-Adjustable 36 Month Jumbo SEP CD
0.60%$500-36 - 47 Month IRA CD
0.60%$500-36 - 47 Month SEP CD
0.60%$250k-12 Month Jumbo Plus IRA CD
0.60%$100k-30 - 35 Month Jumbo IRA CD
0.60%$250k-12 Month Jumbo Plus SEP CD
0.60%$100k-30 - 35 Month Jumbo SEP CD
0.60%$250k-13 - 17 Month Jumbo Plus IRA CD
0.60%$250k-13 - 17 Month Jumbo Plus SEP CD
0.55%$250k-6 - 11 Month Jumbo Plus IRA CD
0.55%$100k-24 - 29 Month Jumbo IRA CD
0.55%$250k-6 - 11 Month Jumbo Plus SEP CD
0.55%$100k-24 - 29 Month Jumbo SEP CD
0.55%$45k-Adjustable 36 Month Jr. Jumbo IRA CD
0.55%$45k-Adjustable 36 Month Jr. Jumbo SEP CD
0.50%$100k-12 Month Jumbo IRA CD
0.50%$100k-18 - 23 Month Jumbo IRA CD
0.50%$45k-30 - 35 Month Jr. Jumbo IRA CD
0.50%$100k-12 Month Jumbo SEP CD
0.50%$100k-18 - 23 Month Jumbo SEP CD
0.50%$45k-30 - 35 Month Jr. Jumbo SEP CD
0.50%$100k-13 - 17 Month Jumbo IRA CD
0.50%$100k-13 - 17 Month Jumbo SEP CD
0.50%$500-Adjustable 36 Month IRA CD
0.50%$500-Adjustable 36 Month SEP CD
0.45%$500-30 - 35 Month SEP CD
0.45%$500-30 - 35 Month IRA CD
0.45%$100k-6 - 11 Month Jumbo IRA CD
0.45%$45k-24 - 29 Month Jr. Jumbo IRA CD
0.45%$100k-6 - 11 Month Jumbo SEP CD
0.45%$45k-24 - 29 Month Jr. Jumbo SEP CD
0.40%$500-24 - 29 Month IRA CD
0.40%$500-24 - 29 Month SEP CD
0.40%$45k-12 Month Jr. Jumbo IRA CD
0.40%$45k-18 - 23 Month Jr. Jumbo IRA CD
0.40%$45k-12 Month Jr. Jumbo SEP CD
0.40%$45k-18 - 23 Month Jr. Jumbo SEP CD
0.40%$45k-13 - 17 Month Jr. Jumbo IRA CD
0.40%$45k-13 - 17 Month Jr. Jumbo SEP CD
0.35%$500-12 Month IRA CD
0.35%$500-18 - 23 Month SEP CD
0.35%$500-12 SEP CD
0.35%$500-18 - 23 Month IRA CD
0.35%$250k-3 - 5 Month Jumbo Plus IRA CD
0.35%$45k-6 - 11 Month Jr. Jumbo IRA CD
0.35%$250k-3 - 5 Month Jumbo Plus SEP CD
0.35%$45k-6 - 11 Month Jr. Jumbo SEP CD
0.35%$500-13 - 17 Month IRA CD
0.35%$500-13 - 17 SEP CD
0.30%$500-6 - 11 Month SEP CD
0.30%$500-6 - 11 Month IRA CD
0.25%$100k-3 - 5 Month Jumbo IRA CD
0.25%$100k-3 - 5 Month Jumbo SEP CD
0.20%$45k-3 - 5 Month Jr. Jumbo IRA CD
0.20%$45k-3 - 5 Month Jr. Jumbo SEP CD
0.15%$500-3 - 5 Month IRA CD
0.15%$500-3 - 5 Month SEP CD
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