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just be in control

Enjoy your paycheck a day early & great digital tools with our free interest-earning checking

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Receive up to $200* when you open a new Community First Advantage or Bonus Debit checking account

Our Checking accounts make managing your money easier than ever. Get rewarded for things like online purchases, earn interest on your entire balance, and even get your paychecks a day early!* Just relax and stay zen about your finances with your new Community First debit card.

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If you have questions or ready to apply online now, we have options for you!

New to Community First? Apply Online now!
~ 10 minutes to complete

Apply now

A Community First member? Apply in Online / Mobile Banking
~ Click on 'Open & Apply' Tab in the menu

Apply now in  Online Banking

Call our Express Team!
Monday - Friday:  8 a.m. - 6 p.m.

Call us at 904-224-9077

Schedule a phone or in-person appointment at your closest branch!

Schedule an Appointment

Get up to a $200 cash bonus with our really free debit cards


for a new debit card (enrolled in Save My Change Program)


for starting a Direct Deposit ($1,000 cumulative within 90 days of account opening)


for every friend you refer

Why Community First?

Credit Union in Florida

We’re one of the largest credit unions in Northeast Florida

Low fees

We offer low fees, high deposit rates, and low loan rates

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We have over 85 years experience

Federally insured by NCUA. 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. A $25 minimum deposit is required to open a new Community First checking account. New members must open a share account with a minimum $5 initial deposit (share account is required for membership). When applying online use code CHK2021. Must mention this offer at time of account opening.

1 - Receive $25 upon account opening for opening a checking account and enrolling in the Save My Change Program

2 - Receive $150 for establishing a cumulative direct Deposit of at least $1,000 within first 90 days of account opening ($150 bonus will be deposited into a new checking account on or around day 91-97 of account opening)

3 - Receive $25 for every friend you refer that opens a Bonus Debit or Advantage checking account (limited to 5 referrals annually). Credit provided when your friend opens a checking account and mentions you as the referrer. Credit and other restrictions apply. Consult a tax advisor for tax consequences.

APY= Annual Percentage Yield. Must have an Advantage Checking Account to qualify for 1.50% APY. 1.50% APY on balances up to $500 and 0.05% APY paid on balances above $500. Rates accurate as of 12/10/2020. Must do at least 10 debit card transactions monthly and be enrolled in eStatements to get higher APY on first $500. Restrictions apply and rates can change at any time without notice. **Members with a checking account are eligible to receive their direct deposits up to one day earlier. No action is required to receive this complementary benefit. Early payment is contingent upon receiving the funds on time. Payment may be delayed.

P.O. Box 2600
Jacksonville, FL 32232


Toll Free:

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