Latest Updates

4/3/2020 at 12:35 PM  | The IRS is recommending you sign up for Direct Deposit to get your stimulus faster.

Direct deposit is easy to use. Just select it as your refund method through your tax software and type in the account number and routing number. Or, tell your tax preparer you want direct deposit. You can even use direct deposit if you are one of the few people still filing by paper. Be sure to double check your entry to avoid errors. The routing number for Community First Credit Union is 263078934.

You can find your Community First account number on your bank statement by signing in to Online Banking or our Mobile Banking app. Have checks for your Community First checking account? You can also found your Community First account number and routing number on your checks. See more details on the IRS website.

4/3/2020 at 10:15 AM

There are new government relief programs available to help both consumers and businesses. Learn more.

3/25/2020 at 12:40 PM

Here is a list of the types of transactions you can now do in our drive thru:

3/21/2020 at 9:00 AM

You can get through this, we have your back. The safety and welfare of the communities we serve are a top priority and like you, we’re continuing to monitor the latest news and updates. During these challenging times, there is power when we work together. That's why we are now offering the following assistance programs to give you the support you need. Learn more

3/20/2020 at 9:57 AM | CFS* Investment Services Update

Due to our healthcare concerns for our members and employees during the global COVID-19 virus epidemic, the investment program staff through CUSO Financial Services, L.P. ("CFS") is temporarily working off-site to service investment clients and credit union members remotely. CFS investment representatives and supporting staff will continue to receive e-mail and phone communications and are fully functional to support ongoing investment needs including investment account transactions. In the event that you have an urgent need to place a trade and are unable to reach your representative immediately, you may contact the CFS corporate office directly and toll-free at (800) 686-4724.

 3/19/2020 at 2:30 PM

Community First continues to monitor the effects of the Coronavirus situation. Be assured we are prepared and positioned extremely well for the long-term impacts of this pandemic.

We have detailed plans in place to ensure essential operations continue and to help minimize disruptions in service. 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. Branches with no drive-thru (Mandarin, Riverside, and UNF) will be completely closed with no services available for the time being. The Yulee branch lobby will remain open on a limited basis to serve the residents of Nassau County. To ensure sufficient social distancing we will limit the number of members to five (5) in the branch at once. We will reopen our branch lobbies as soon as the situation allows.

  • Safe Deposits - Members who require access to their safe deposit box can schedule an appointment via phone,
  • Loan Documents - Documents will be signed online through DocuSign, and branch appointments will be scheduled only for those loans and new accounts that require in-person signing.
  • New Loans and Accounts - For a new loan or other account, you can apply online on our website at your convenience.

Our primary concern is the safety and health of our members and employees. Consistent with guidance from the Centers for Disease Control, we have increased the disinfecting of our branch and office locations, stocked hand sanitizers, and reinforced even more diligent safe and healthy habits among our team members. We are continuing our health and safety protocols, including sanitizing drive-thru equipment after transactions.

Member Service Expectations

Based on world events, it may be an extended period before we're able to resume "business as normal" and we ask for your patience in the coming weeks as we anticipate higher call volumes and longer wait times.

We have your back!

We offer many convenient service channels such as online banking, ATMs, and telephone banking, which do not require a branch visit. Please limit physical contact and do not visit a branch if you are ill, have been exposed to the virus, or have recently traveled outside of the country.

  • For member service inquiries, we encourage you to use our secure message feature within Online Banking. You may also call the Member Experience Center.
  • To open a new account or apply for a new loan, apply online or call our Member Experience Center.
  • Use our Online and Mobile banking, free online loan payment tool, or Info 24 to check balances, transfer funds, and pay your loans and bills online.
  • Deposit checks from your phone using mobile deposit on our mobile app.

If you have been impacted by COVID-19 and need our support, we are here to help. Please contact our Member Experience Center to discuss what assistance may be available to you.

 3/16/20 3:40 pm | A letter from our President and CEO, John Hirabayashi

Like you, the Community First team is paying close attention to the news surrounding COVID-19. These times are unlike anything we’ve experienced before, and we are very grateful for our members who have helped make Community First such a special organization. Your health and well-being are top priorities for us as we navigate through these uncertain times. As our community bands together to adjust to new methods of working through an unfamiliar situation, we too are working hard to balance the needs of our members, employees and community to make the best use of the resources that we have available. Moving forward we may need to make adjustments to our hours of operations, branch facilities or other services. While this may affect the service experience to which you are accustomed, be assured that our dedication to Commitment to Members will not waiver. Please refer to this page to stay up to date on business operations or service changes, if they occur. It will be updated with all necessary information for members as it happens.We encourage you to take advantage of our Mobile and Online Banking capabilities. These convenient and secure digital channels help in social distancing and can be used to deposit checks, transfer money, check balances, make payments, pay bills and find our ATM locations.  Additionally, our ATMs can be used to deposit checks, withdraw cash and transfer money. All our loan and mortgage services and channels are fully available, and our teams continue to be dedicated to providing you with a high level member experience you know and expect from us. Thank you for your understanding as we all navigate this together.

Coronavirus (COVID-19)

Community First is committed to providing a healthy in-person banking environment for our members and employees. While we have not had any issues within our branch network or staff, we are taking this situation as seriously as possible and will follow the advice of the Centers for Disease Control (CDC) as well as our state and local leaders.

As we continue to monitor Coronavirus (COVID-19), we are implementing new sanitizing procedures, taking advanced cleaning steps and adopting more rigorous and frequent cleaning procedures inside all our branches. Our employees have been updated on extra steps they should take, and we have reinforced with them our established illness protocols (like not coming to work if sick).

Convenient Technology Solutions

Community First offers many ways to keep you connected to your finances and manage your accounts without visiting in-person.

Download our mobile app

Click here for the Apple Store to download the Community First Credit Union Mobile App Click here for Google Play to download the Community First Credit Union Mobile App


  • Update your personal details
  • Access your accounts
  • Deposit checks via mobile deposit
  • Make payments and pay bills
  • Transfer funds
  • Click here to log in to Online Banking or, call and speak to a Member Experience Represenative at: 904.354.8537
  • If you have been impacted by COVID-19 and need our support, Community First is here to help. Please contact our Member Experiece team to discuss what assistance may be available to you.

We’re here to help.

If you or your business is financially impacted by the Coronavirus pandemic, we may be able to help. Please contact your Commercial Banking Officer or local branch manager to discuss the options.

Thank you for your cooperation while we all work as a community to manage our health during this time.

Branch Availability

Community First has replaced branch lobby services in favor of drive-thru only services. Branches that do not have a drive-thru are closed. View branch map.

Effective March 23, 2020

Branch Name Status
Arlington Drive-Thru Only
Baymeadows Drive-Thru Only
Bartram Drive-Thru Only
Beach Drive-Thru Only
Downtwon Drive-Thru Only
Fleming Island Drive-Thru Only
Hodges Drive-Thru Only
Lakewood Drive-Thru Only
Mandarin Closed | Night Drop Closed - service is temporarily suspended
Neptune Drive-Thru Only
Northside Drive-Thru Only
Oakleaf Drive-Thru Only
Orange Park Drive-Thru Only
Riverside Closed | Night Drop Closed - service is temporarily suspended
St. Johns Drive-Thru Only
UNF Closed
Westside Drive-Thru Only
Yulee Limited Services

*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. Community First Credit Union of Florida has contracted with CFS to make non-deposit investment products and services available to credit union members. For specific tax advice, please consult a qualified tax professional.