As a responsible community partner, we want to help prevent the spread of COVID-19.

  • Therefore, we have decided to transition our branch lobby services to drive-thru only beginning Monday, March 23.
    Drive-thru hours of operation will be Mon. - Thur. 9 am - 5 pm | Fri. 9 am - 6 pm  | Sat. 9 am - 5 pm
  • Branches with no drive-thru (Mandarin, UNF and Riverside) will be completely closed with no services available for the time being.
  • The Yulee branch lobby will remain open on a limited basis. To ensure sufficient social distancing we will limit the number of members to five (5) in the Yulee branch at once. We will reopen our branch lobbies as soon as the situation allows.
  • Due to high call volume, you may experience longer than normal wait times when contacting our member experience center.  We apologize for any inconvenience.  

Visa® Signature Credit Card
for Business

With this exclusive new credit card, you'll get cash back on everything, some of the lowest rates around on a premium credit card and special added benefits to help you focus on what's important to you.

Benefits Include:

24/7 Global Assistance

  • Cardholder Inquiry Service
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Lost/Stolen Card Reporting
  • Visa Concierge: Help with restaurant reservations, gift arrangements, event tickets, business services and more. Available 24 hours a day, 365 days a year*

Visa Signature Contact Info:

  • Visa Signature Concierge: 800.953.7392 for restaurant reservations, gift arrangements, event tickets, business services
  • Visa Signature 24-Hour Customer Service: 866.820.3846 for general questions
  • Visa Signature Terms and Conditions
  • Guide to Benefits or call 800.397.9010
  • Change your credit card PIN number: 888.886.0083

How to Apply

An initial deposit of $5 to be held in your Community First share account is required for membership. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. *Credit and other restrictions apply.  1% cash back on all purchases. Cash back limit is $6,000.


Visa® Business Rewards Credit Card

Earn More Points on Business Purchases with a Business Rewards Card from Community First.

Benefits Include:

  • No annual fees and competitive low rates
  • Large lines of credit up to $50,000
  • uChoose Rewards program - earn 1 reward point for every $1 spent
  • Emergency card replacement, purchase security and extended protection

How to Apply

An initial deposit of $5 to be held in your Community First share account is required for membership. Membership is open to anyone who lives or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. Credit and other restrictions apply.