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 167th largest credit union in the nation. It was established in 1961 and as of June of 2024, it had grown to 437 employees and 174,333 members at 24 locations. Community First Credit Union (FL)'s money market rates are 5X the national average, and it has an A health rating.
Field of Membership Restrictions
Membership in Community First Credit Union is open to those who live, work. or attend school in the Florida counties of 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 Community First Credit Union of Florida member or any relative of anyone eligible to join.
See current membership details
DO NOT Open An Account Here
DO not open an account at this credit union!!!! I recently opened an account at this credit union and I opened a checking account and purchased a CD. After I opened the account, I was told that I could not deposit checks larger than $1000 with a limit of 2 per day and that the total amount for the month would be $6000 for the first 60 days. I called customer service to request a increase on these amounts since my business well exceeds both amounts. Customer service told me that they would be back to me in 2days. Well over one month later and 5 calls to customer service without an answer and two calls with left messages to the local branch that were not returned, I decided to close the account. I was told that because I was closing the CD earlier, I had to pay a penalty of $359 on the CD when the interest was only $25!!! No where online was this stated. I was told that it was in the fine print of the CD disclosure I was given when I opened the account.
AVOID THIS ESTABLISHMENT
Customer Service Sucks
Customer service sucks don't do business with these CROOKED CORRUPT DEMOCRAPS
0 Stars/ Beware
I want to share my experience with Community First and raise awareness about their discriminatory actions, false debt reporting, and collection tactics. Jason Borkovec, Director of Collections, Ryan Olson, Vice President of Consumer Lending, and other employees/executives have shown a complete disregard for consumer rights and the law. They have even claimed that I don't have rights they are bound to respect and insisted that any loan must be completely on their terms, without regard for consumer rights or legal protections.
This behavior directly violates US and Florida law, which explicitly prohibits corporations from having policies inconsistent with the law. As I am determined to make these facts known for justice, I filed a lawsuit citing constitutional violations and demanded a jury trial. However, they are now attempting to dismiss the case using attorney Michael Paul Orta.
Although they initially defaulted on the complaint, the judge allowed them to set aside the default judgment and suggested that I amend my complaint, which I promptly did, exercising my right to do so. Alongside their motion to set aside, they filed a motion to dismiss. While the motion acknowledged my claim in the first paragraph, it argued that it did not warrant relief. However, the subsequent paragraphs appeared hastily put together, containing irrelevant details and incorrect account information.
So I amended my complaint to provide further clarity. Yet, immediately after, Michael Paul Orta filed another motion to dismiss, claiming failure to state a claim. This is a strategy commonly employed by attorneys to swiftly dismiss a case without addressing its merits. Furthermore, Orta publicly labeled my case as frivolous and made insulting comments towards me via email. It is evident that both he and the executives at Community First have been attempting to gaslight me.
Initially, I filed a complaint and my first amended complaint for contract fraud, as they had deceived me about my rights, denying my ability to assert them. However, I subsequently amended my complaint a second time to focus on discrimination. Despite their false statements regarding my rights, they denied me a loan unless I signed the documents with only my signature, excluding the phrase "All Rights Reserved."
Adding to the complexity, despite their knowledge that I have a valid case, both Michael Paul Orta and the executives at Community First have consistently refused to allow me to amend my complaint a second time after he filed his second motion to dismiss. This further demonstrates their attempt to prevent me from presenting a clearer claim. They insist on subjecting my pleadings to the same stringent standards as lawyers, disregarding the well-established case law that pro se litigants cannot be held to the same standards. The court should liberally construe pro se lawsuits, recognizing that self-represented litigants may not have the same legal expertise as lawyers.
Michael Paul Orta's refusal to permit me to amend my complaint substantiates their intent to dismiss the case before a jury can consider it. Their primary objective is to suppress awareness of people's rights and the details of this case. However, I remain undeterred. I am determined to make this information available to the public, and therefore, I will post similar reviews and complaints wherever applicable to ensure others are informed about my experience and the actions of Community First.
Even if this current case is dismissed, I am fully prepared to appeal it all the way to the Supreme Court if necessary or file a new case with a more concise explanation of my claim. I firmly believe that justice will prevail.
Furthermore, I find it imperative to post this information because Community First has refused to remove a negative item from my credit report. Consequently, I will report a negative item on their public profiles to alert others to their practices.
DO NOT BANK HERE
Scandalizes, liars, theives. Make sure to record all phone calls
Data as of Q2 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67290 |
| Year Chartered | 1961 |
| Employees | 437 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.59% |
| Return on Equity - YTD | 5.14% |
| Annual Interest Income | $63.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2024vs Q2 2023 | $2.72B$2.68B |
| Loans | Q2 2024vs Q2 2023 | $1.96B$1.88B |
| Deposits | Q2 2024vs Q2 2023 | $2.32B$2.26B |
| Equity Capital | Q2 2024vs Q2 2023 | $316MM$283.8MM |
| Loan Loss Allowance | Q2 2024vs Q2 2023 | $28.1MM$24.7MM |
| Unbacked Noncurrent Loans | Q2 2024vs Q2 2023 | $13MM$8.7MM |
| Real Estate Owned | Q2 2024vs Q2 2023 | $0$0 |
