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.  

Auto Loan Refinancing

Do you love your car but not your monthly payment? You can refinance your auto loan that you have elsewhere with Community First and potentially have extra cash on hand each month. Apply today to see if we can lower your monthly payment and even help you pay your car off faster.

Apply Now

Call 904.354.8537, option 3


Very Low Auto Loan Rates:

We offer some of the lowest auto loan rates around. Make sure to check with us to ensure you're getting the best possible rate on your auto loan you have elsewhere. We're often able to lower your rate and even lower your monthly payment in some cases.

Lower Monthly Payments:

With our flexible financing options we can spread out your payments to a term that's right for you so that you can have a low payment you can afford.

No Origination Fees:

At Community First we'll never charge you origination fees like other lenders do. When it comes to our auto loans, our main goal is to give you peace of mind knowing you have the best auto loan around.

Quick and Easy Approvals:

Your time is valuable. That's why we make all of our loan decisions locally so we're able to approve you in minutes for exactly what you can afford.

Access Extended Protection Plans:

Once approved, we can offer you extremely affordable protection plans like Guaranteed Auto Protection (GAP) and Mechanical Repair Coverage (MRC). Ask us for details when applying.

All loans and accounts are subject to approval. All rates are based on an evaluation of the member’s individual credit history. Terms are subject to conditions and verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.