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Credit Cards

Credit Cards

So I need a credit card.
How can I get one?

Community First,
Your Northeast Florida Credit Union.

Our members are our number one priority.

We are the recognized leader in providing superior financial solutions that improve
members' lives while building strong and vibrant communities.

As low as 2.74% APR* 24 months $5,000 minimum
As low as 2.74% APR* 36 months $5,000 minimum
As low as 2.74% APR* 48 months $10,000 minimum
As low as 3.14% APR* 60 months $10,000 minimum

View Auto Loans

As low as 7.99% APR** 0 - 12 months $500 minimum
As low as 8.29% APR** 13 - 24 months $1,500 minimum
As low as 8.99% APR** 25 - 36 months $3,000 minimum
As low as 9.79% APR** 37 - 60 months $5,000 minimum

View Personal Loans

*Auto loans. APR = Annual Percentage Rate. A payment example is $5,000 financed for 24 months at 2.74% APR is approx. $214.35.
**Personal loans. Credit and other restrictions may apply. APR= Annual Percentage Rate. Payment example for $5,000 borrowed at 8.99% APR for 36 months is approx. $151.

Free Shred Day | St. Johns Branch

Free Shred Day | St. Johns Branch

  • 10/16/2020 3:00:00 PM
  • Community First Credit Union | St. Johns Branch

Join us on October 16 from 3 p.m. - 5 p.m. for a Free Shred Day at the St. Johns Branch

Suggested items to shred:

  • Credit Card Statements
  • Old Checks
  • I.R.S. Tax Returns
  • Bank Statements


  • I’ve always had a pleasant experience here. The clerks are professional and courteous. The rates for financial services blow other banks out of the water.

    -Markus S.,
    Community First Member

  • In addition to the friendly, professional, hometown feel, Community First has always been willing to answer any question, and to investigate any issues on my behalf.

    -Sandy W.,
    Community First Member

We will be with you every step of the way

Our blog includes articles and graphics offering info and advice for every stage of life. Need help buying your first car? Check. Ready to start planning for retirement? No problem. Visit our blog to learn more today.

Is it too Late to Start Investing for Retirement at Age 40?

By: Ken Millhone, CFS* Investment Services Program Manager
Posted On 7/17/2020 11:37:34 AM

Despite popular advice, many people don’t invest for retirement in their 20s and 30s. The reasons vary, but if you’re in your 40s and have just started thinking about how to save for retirement, you might be wondering if it’s even possible. It is! Here’s how:

Read More

How to Get Rid of Credit Card Debt

By: Kenyon Sutton, Financial Wellness Manager
Posted On 7/3/2020 3:34:01 PM

Credit card debt can often feel like a shadow that follows you around everywhere, always lurking in the back of your mind. But there are ways to reduce the burden and become debt free. Here’s our advice on the first steps you can take to get rid of your credit card debt.

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Understanding Unemployment Benefits

By: Chelsea Stefanelli, Deposit Compliance and Specialized Services Manager
Posted On 6/24/2020 3:34:01 PM

Unemployment benefits are designed to offer financial help when you’re out of work, through no fault of your own, while you begin your search for another job. With the coronavirus pandemic, there have been some rule changes to these benefits. Keep reading to learn more about unemployment benefits and their recent changes.

Read More

How to Choose a Checking Account for Teens

By: Community First Credit Union
Posted On 6/15/2020 3:34:01 PM

It’s never too early to start learning how to be financially fit, and for teens, that means opening a checking account with their parents. We’ve created this handy infographic to help teens and their parents figure out how to open a teen’s first checking account.

Read More

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Providing Financial Solutions for Every Stage of Life.

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