Federally Insured by NCUA. 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. *APR = Annual Percentage Rate. **Credit and other restrictions apply. A payment example is $500.00 financed at 7.5% APR for 12 months is approx. $43.39. Offer may end at any time without notice.