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

Offers all the features and flaws of a hometown bank.

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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 Annual percentage yield (APY) Fee Minimum deposit to open
Aspiration Spend & Save Account
Finder Rating: 3.8 / 5: ★★★★★
Aspiration Spend & Save Account

1.00% on $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
$0 per month or $15 per month for Aspiration Plus ($12.50 per month if you pay annually)
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $100 bonus when you spend $1,000 in your first 60 days.
Axos Bank High Yield Savings
Finder Rating: 4 / 5: ★★★★★
Axos Bank High Yield Savings

0.61% on $0 to $24,999
0.25% on $25,000 to $99,999
0.15% on $100,000+
No monthly maintenance fees. No minimum balance requirements. Interest compounded daily.
Chime Savings
Finder Rating: 4.6 / 5: ★★★★★
Chime Savings
Grow your savings automatically with recurring transfers, round-ups on debit card purchases and 0.5% APY.
Discover Online Savings Account
Finder Rating: 4.6 / 5: ★★★★★
Discover Online Savings Account
Take advantage of a high-interest online savings account with no fees, no minimums and more.
UFB Direct High Yield Savings
Finder Rating: 3.6 / 5: ★★★★★
UFB Direct High Yield Savings
Earn an APY when your balance is higher than $10,000 with this no-monthly-fee savings account.
SoFi Money
Finder Rating: 4.3 / 5: ★★★★★
SoFi Money
SoFi Money® is a cash management account that charges no account fees to save, spend, and earn cash back rewards when you spend on brands you love.

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.

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