Managing money in uncertain times

As we learn to navigate through these stressful times, we want you to know that we are here for you. That’s why we put together a list of things to consider to help make managing your money easy right now.

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Special Assistance Programs for Members

Skip your credit card, auto,
or personal loan payment for 90 days1

You can defer your payment for 90 days.

Due to higher call volume, please log into your online or mobile banking to defer your payment online. Simply select Services, 90 day Skip a Pay to submit your request. If you do not have access to online or mobile banking, you can call us at 904.549.8768.

Loan payment late fees suspension program2

Community First will suspend charging late fees on consumer and mortgage loan payments. For any assistance with your loan payment, contact us at 904.549.8768.

Get a payment deferral
on your business loan for up to 90-days3

Small business owners with existing Community First loans in amount of less than $50,000 can take advantage of the 90 Days Deferral Program for Business Loans. Contact your business expert  at 904.394.9262 if you need payment assistance.

90 days forbearance on your mortgage payment4

Get 90 days forbearance for pandemic impact on your mortgage payment.

Submit your request online. Log into Online Banking or our Mobile Banking app and click on your mortgage loan under the accounts section. Scroll down and click on the Important Coronavirus Updates link. Then simply scroll down again and complete the form to request forbearance.

Or you can also contact our Mortgage servicing department at 866.843.2513 for more details.

Pandemic Special Assistance loan5

Starting 3/23/20, we are offering a special personal loan for existing Community First members (as of 3/16/2020) to help navigate through these stressful times. Loan amounts are available up to $5,000. We have loan options for everyone.
Apply Now (Select Pandemic Assistance)


Safe ways to bank

Use our free digital banking tools

We have a full suite of digital banking services to help make your life easier. Download our Mobile Banking app to access your account from anywhere, download our credit card app, use our free online loan payment tool, use our Info24 line at 904.371.8000, and transfer money anywhere within online or mobile banking.

Safest ways to pay

Make sure to use your Community First debit and credit card as the safest way to pay. You can load your cards in a digital wallet (such as Apple Pay or Samsung Pay), use our contactless tap to pay technology in our Visa Signature credit card, set up automatic payments, and more. Call us at 904.354.8537 or browse our website for details.

Protect Your Money

Unfortunately, scammers often take advantage of stressful situations like this. They may even pose as organizations such as the Centers for Disease Control and Prevention (CDC) claiming to have new information about COVID-19. Beware of these scams and never give anyone your personal information, including your Online Banking credentials. If you have any questions, please call us at 904.354.8537

Speak with a CFS** Financial Advisor

As a member you have access to a dedicated team of CFS** Financial Advisors with Community First Investment Services, that are standing by to help you make the right moves with the current market conditions in mind.


Smart money moves to make now

Consider refinancing an auto loan
you have elsewhere.

We can help you free up cash, lower your monthly payments, and even pay off your car sooner. Apply now for an auto loan or call 904.549.8768 (excludes loans already at Community First).

Build up an emergency savings account

Now is the perfect time to start thinking about establishing an emergency savings account. We have easy ways to help you save with high rate savings accounts, money markets, Save My Change program, youth accounts, and many other special savings accounts.

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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, works, or attends school in one of the following counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia. Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to Select Employer Groups, including all employees of Brooks Rehabilitation, Miller Electric Company and Web.com. All offers may end at any time without notice. Credit and other restrictions apply, contact us at 904.354.8537 for questions.

1-Skip a payment program applies to auto (direct and indirect), unsecured, and credit card loans with Community First. Skip a payment program is not offered on lines of credit. Member must request a payment assistance at 904.549.8768 to take advantage of the offer.

2-Late fees on consumer and mortgage loans will be waived until further notice.

3-Small business owners with existing Community First loans in amount of less than $50,000 can take advantage of the 90 Days Deferral Program for Business Loans call 904.394.9262.

4-90 Days mortgage forbearance program will be applied to qualified mortgage loan holders with the understanding that the payments will be repaid in full at the end of forbearing period. A complete review of the borrower’s situation will be made to determine what assistance can be provided. For more details, contact Mortgage servicing department at 1-866-843.2513.

5-Pandemic Special Assistance loan is only available to existing primary members as of 3/16/2020. Members should not have any ‘in bankruptcy’ status, ‘charge off’ status, or have no current work-out loan in place to qualify. Loan amount will be based on one’s month’s gross pay, as evidenced by pay stub or direct deposit. The minimum amount of the loan will be $1,000. Maximum amount of the loan will be $5,000. Terms will range from 12 to 48 months depending on the loan amount.


**Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor.  Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.