Community First Credit Union (FL)
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.51% | Reward Checking | Advantage Checking 1.84% - National Average |
| 0.75% | 5-year CD | Adjustable 60 Month Term CD 2.25% - Bank of Internet USA 60 Month CD |
| 0.58% | 1-year CD | 12 - 17 Month Term CD |
Community First Credit Union (FL) is headquartered in Jacksonville and is the 12th largest credit union in the state of Florida. It is also the 171st largest credit union in the nation. It was established in 1961 and as of June of 2017, it had grown to 282 employees and 123,189 members at 19 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 and to students and alumni of any post-secondary educational institutions within the listed counties.
See current membership details
Community First feels like family.
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.
A great place to bank.
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.
Best Local Financial Institution
I have been a member of Community First Credit Union for over forty years. During that time it has met my financial needs and has proven to be a trustworthy institution. It has evolved to meet my needs, including mobile banking. I appreciate the role it plays in the local northeast Florida area, particularly the support of local schools. The name is not Community First Federal Credit Union, but Community First Credit Union of Florida. I highly recommend it to anyone who lives or works in northeast Florida.
Good Alternative To Banks
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.
Community First Credit Union is bank I trust.
I opened my first account ever at a community first branch here in Jacksonville, Florida. I was 17 years old and had 200 dollars to my name, and they made me feel like I was some corporate executive big wig. Since then I've tried many other banks, I still hold accounts at other banks, but by far my favorite experience is with community first. The employees are top notch, they all know me by name, they expedite me and skip red tape when it's unnecessary, and they always give me advice. If it wasn't for them, I would never have opened up my first savings account. They gave me a great deal where they put 100 dollars in the account for me, and then paid out a 1.35% yearly interest on it. It was because of them I even bothered to care what interest was. I later applied that knowledge when deciding whether or not to sell my properties. I always thought, can I make more on the interest or on the rent? Overall, community first is more than just a bank to me. It honestly feels like a family that cares about me and my financial situation. I trust them completely and I plan to be their customer for the rest of my life.
Community First Credit Union has never let me down.
My community credit union is a wonderful bank that I have been going to since I was a teenager. I opened my first checking and savings account there and to this day, at 35 years of age, I don't have a single complaint. The staff at every branch in my city of Jacksonville is friendly, courteous, and they treat you like a close friend. I know everyone there by name, and anytime I have a question about my account, they bend over backwards to help me. They ask me about my day, they always smile, you get free coffee, they have play areas there, and now they have gone all high tech and revamped all their branches with tablets and other computer devices to make things even more efficient. Recently, they had a program going on to give people that open a new account 25 dollars. I asked them if I could get the 25 dollars since I already had an account and they said sure. I'll never stop banking with these guys as long as I live in Florida, they really make going to the bank a pleasant experience.
Great Service From A Credit Union The Will Work With You
I love Community First. They have had excellent customer service over the past 8 years that I have been a member. One time I remember in particular was when my apartment building mistakenly withdrew my rent twice, causing my account to overdraft. Community First waived the overdraft fees, no questions asked. Any time I have a question about a process or a transaction, I can log onto their website and submit a question. I almost always hear back the same day and usually the information is very helpful. Finally, their mobile app is great. I can deposit checks, make transfers, check balances, view the nearest free ATM, you name it. And on top of all of this, I've never had to pay a fee! My checking account is completely free (even earns a tiny amount of interest).
Loan Information
I found it impossible to get any information regarding mortgage loans unless I became a member. I need to know rates before I would agree to join. Other credit unions were forthcming with the info. I'm going elsewhere.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 67290 |
| Year Chartered | 1961 |
| Employees | 282 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.95% |
| Return on Equity - YTD | 7.48% |
| Annual Interest Income | $23.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2017vs Q2 2016 | $1.51B$1.37B |
| Loans | Q2 2017vs Q2 2016 | $989.8MM$871.0MM |
| Deposits | Q2 2017vs Q2 2016 | $1.29B$1.17B |
| Equity Capital | Q2 2017vs Q2 2016 | $190.0MM$180.3MM |
| Loan Loss Allowance | Q2 2017vs Q2 2016 | $13.4MM$12.6MM |
| Unbacked Noncurrent Loans | Q2 2017vs Q2 2016 | $3.7MM$5.3MM |
| Real Estate Owned | Q2 2017vs Q2 2016 | $0$74.00K |
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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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 3.00%* | - | $500 | Youth Advantage Share Savings | ||
| OTHER TIERS: 0.25% → $500+ | |||||
| 0.70%* | $50k* | - | IRA Shares | ||
| OTHER TIERS: 0.50% → $100 - $10k | 0.55% → $10k - $25k | 0.65% → $25k - $50k | |||||
| 0.70%* | $50k* | - | SEP Shares | ||
| OTHER TIERS: 0.50% → $100 - $10k | 0.55% → $10k - $25k | 0.65% → $25k - $50k | |||||
| 0.70%* | $50k* | - | 457 Shares | ||
| OTHER TIERS: 0.50% → $100 - $10k | 0.55% → $10k - $25k | 0.65% → $25k - $50k | |||||
| 0.25% | $100 | - | Primary Share Savings | ||
| 0.25% | $100 | - | Special Purpose Share Savings | ||
| 0.25% | $100 | - | Primary Business Share Savings | ||
Community First Credit Union (FL) Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.50%* | $100k* | - | Premier Money Market | ||
| OTHER TIERS: 0.10% → $100 - $2,500 | 0.15% → $2,500 - $10k | 0.20% → $10k - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $100k | |||||
| 0.45%* | $100k* | - | Business Money Market | ||
| OTHER TIERS: 0.30% → $100 - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $100k | |||||
| 0.40%* | $100k* | - | Money Market | ||
| OTHER TIERS: 0.25% → $100 - $25k | 0.30% → $25k - $50k | 0.35% → $50k - $100k | |||||
Community First Credit Union (FL) Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.51%* | - | $500 | Advantage Checking - Qualifying | ||
| OTHER TIERS: 0.05% → $500+ | |||||
| 0.10% | $1k | - | Premier Business Checking | ||
Community First Credit Union (FL) CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.50% | $500 | - | 60 Month Term CD | |
| 1.20% | $500 | - | 48 - 59 Month Term CD | |
| 0.95% | $500 | - | 36 - 47 Month Term CD | |
| 0.90% | $500 | - | 30 - 35 Month Term CD | |
| 0.75% | $500 | - | 24 - 29 Month Term CD | |
| 0.75% | $500 | - | Adjustable 60 Month Term CD | |
| 0.58% | $500 | - | 12 - 17 Month Term CD | |
| 0.58% | $500 | - | 18 - 23 Month Term CD | |
| 0.58% | $100 | - | 12 - 17 Month Youth Advantage CD | |
| 0.33% | $500 | - | 6 - 11 Month Term CD | |
| 0.33% | $250 | - | 6 Month Student Promo CD | |
| 0.30% | $500 | - | 3 - 5 Month Term CD |
Community First Credit Union (FL) IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.50% | $500 | - | 60 Month Term IRA CD | |
| 1.50% | $500 | - | 60 Month Term SEP CD | |
| 1.40% | $500 | - | 48 - 59 Month Term SEP CD | |
| 1.40% | $500 | - | 48 - 59 Month Term IRA CD | |
| 1.16% | $500 | - | 36 - 47 Month Term IRA CD | |
| 1.16% | $500 | - | 36 - 47 Month Term SEP CD | |
| 1.11% | $500 | - | 30 - 35 Month Term SEP CD | |
| 1.11% | $500 | - | 30 - 35 Month Term IRA CD | |
| 1.01% | $500 | - | 24 - 29 Month Term IRA CD | |
| 1.01% | $500 | - | 24 - 29 Month Term SEP CD | |
| 0.95% | $500 | - | Adjustable 60 Month Term SEP CD | |
| 0.95% | $500 | - | Adjustable 60 Month Term IRA CD | |
| 0.78% | $500 | - | 18 - 23 Month Term SEP CD | |
| 0.78% | $500 | - | 18 - 23 Month Term IRA CD | |
| 0.58% | $500 | - | 12 - 17 Month Term IRA CD | |
| 0.58% | $500 | - | 12 - 17 Month Term SEP CD | |
| 0.53% | $500 | - | 6 - 11 Month Term SEP CD | |
| 0.53% | $500 | - | 6 - 11 Month Term IRA CD | |
| 0.50% | $500 | - | 3 - 5 Month Term IRA CD | |
| 0.50% | $500 | - | 3 - 5 Month Term SEP CD |
