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Community First Credit Union banking products: Savings, Checking, and CDs

Offers all the features and flaws of a hometown bank.


Community First Credit Union
The Community First Credit Union offers Northeast Florida residents a wide range of personal and business accounts. Features like earned rewards and interest-bearing accounts are available as well as perks for university students. But the credit union lacks networked branches and has limited customer service hours.

Am I eligible?

To become a Community First Credit Union member you’ll need to open a Share Savings account with a minimum deposit of $5 and live, work or attend school in one of the following Florida counties:

  • Baker
  • Brevard
  • Broward
  • Clay
  • Duval
  • Flagler
  • Indian River
  • Lake
  • Martin
  • Nassau
  • Orange
  • Palm Beach
  • Putnam
  • Seminole
  • St. Johns
  • St. Lucie
  • Volusia

Membership is also open to:

  • Any relative of an existing or eligible member
  • Employees of Brooks Rehabilitation
  • Employees of Miller Electric Company
  • Employees of

What banking products does the Community First Credit Union offer?

Why should I open an account at Community First Credit Union?

Community First offers online and mobile banking as well as other member benefits:

  • Minimal fees. Most accounts offer no maintenance fees or minimum balance requirements.
  • Financial Wellness Program. Community First’s moveUP program provides educational information and tools to grow your finances and meet your goals.
  • Rewards. In addition to its uChoose Rewards Program on everyday shopping, Community First teamed up with Sprint and TurboTax to offer credit union members discounts.
  • Community outreach. Community First gives back to the community by partnering with local community projects, sponsoring programs and events and granting scholarships to community teens who want to attend a Florida university.

What should I look out for?

Despite all of the services offered, Community First has a few drawbacks:

  • Limited customer service hours. While most banks have a 24-hour customer support line, Community First’s call center is only open from 8 a.m. to 6 p.m. weekdays and 9 a.m. to 5 p.m. (EST) on weekends.
  • Limited branch access. Community First isn’t part of a shared-branch network with other credit unions and its branches are located in Jacksonville.

Compare Community First Credit Union to the competition

Name Product Interest rates (APY) Fee Minimum deposit to open Interest earned More info
American Express® Personal Savings High Yield Savings
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View details
Enjoy no monthly fees and a competitive APY with this online-only savings account. Accounts offered by American Express National Bank, Member FDIC.
CIT Bank Savings Builder High Yield Savings Account

0.95% on balances of $25,000+ or set up a direct deposit of $100+ each month
0.79% on balances of $0 to $24,999
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View details
No account opening or maintenance fees. Daily compounding interest. Earn one of the nation's top rates
Discover Online Savings Account
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View details
Take advantage of a high-interest online savings account with no fees, no minimums and more.
Aspiration Spend & Save Account

1.00% on balances of $0 to $10,000 but you’ll need to be enrolled in Aspiration Plus and make at least $1,000 in debit card purchases a month
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View details
A spend and save combo account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.
UFB Direct High Yield Savings
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View details
Earn an APY when your balance is higher than $10,000 with this no-monthly-fee savings account.
BBVA Money Market

0.19% on balances of $1,000,000+
0.10% on balances of $100,000 to $999,999
0.05% on balances of $0 to $99,999
$15 per month
(can be waived)
Go to site
View details
Earn a promotional APY for your first 3 months and access your money by ATM, check or bill pay.

Compare up to 4 providers

Community First Credit Union customer service

You can reach Community First in the following ways:

  • Email
  • Call 904-354-8537 or its toll free number 800-342-8416 during business hours.
  • Call 904-371-8000 using Info 24, a 24-hour information only call line.
  • Send mail to P.O. Box 2600, Jacksonville, FL 32232.

Branch location hours include:

  • Branch Lobby hours: Monday through Thursday 9 a.m. to 5 p.m., Friday 9 a.m. to 6 p.m. and Saturday 9 a.m. to 5 p.m. (EST), with the exception of the Downtown and UNF branches, which are closed on Saturday.
  • Branch Drive-thru hours: Monday through Thursday 8 a.m. to 5 p.m., Friday 8 a.m. to 6 p.m. and Saturday 9 a.m. to 5 p.m. (EST).

Bottom line

Community First excels at extras like their community partnerships and rewards programs, but if you’re looking for a credit union with 24-hour customer support and a better branch network, compare your options before applying for an account.

Frequently asked questions

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