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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 Web.com

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

$
$
months
Name Product Interest rates (APY) Fee Minimum deposit to open Interest earned
American Express® High Yield Savings
Finder Rating: 4.6 / 5: ★★★★★
American Express® High Yield Savings
0.50%
$0
$0
Enjoy no monthly fees and a competitive APY with this online-only savings account. Accounts offered by American Express National Bank, Member FDIC.
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)
$10
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%
$0
$250
No monthly maintenance fees. No minimum balance requirements. Interest compounded daily.
CIT Bank Money Market
Finder Rating: 3.9 / 5: ★★★★★
CIT Bank Money Market
0.45%
$0
$100
A savings account with a higher-than-average rate and minimal fees.
CIT Savings Connect
Finder Rating: 4 / 5: ★★★★★
CIT Savings Connect

0.50% on + If you deposit $200+ monthly into your eChecking account, otherwise 0.42%
$0
$100
CIT Savings Connect combines aspects of a checking and savings account in one product.
SoFi Money
Finder Rating: 4.3 / 5: ★★★★★
SoFi Money
0.25%
$0
$0
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.
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Compare up to 4 providers

Community First Credit Union customer service

You can reach Community First in the following ways:

  • Email communityfirst@c1cufl.org.
  • 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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