Federally insured by NCUA. All new accounts and loans are subject to approval and membership eligibility required. Please visit our website at communityfirstfl.org/connect/become-a-member or call 904.354.8537 for more information on membership requirements.

1 - Earn $200 for opening your first Credit Union checking account, by completing deposits totaling $1,000 or more and making 10 or more qualifying debit card transactions, ATM withdrawals and deposits are excluded, that post within 90 days of account opening. $200 bonus will be credited to the eligible checking account on or around day 91-97 of account opening. When applying online, you must use code FREECHECK to be eligible for this offer. When applying in-person you must mention this offer at time of account opening to be eligible. Promotion is only applicable once per checking account and per member. Members with an existing personal checking account with the Credit Union or who have closed a checking account with the Credit Union previously are not eligible to participate. In order to receive the reward, the new checking account must remain open and in good standing with a balance ≥$0.01 until the reward is deposited. Reward forfeiture will occur if the checking account is closed prior to the reward being deposited, or the new checking account has a negative available balance at the time of qualification validation.

2 - APY= Annual Percentage Yield. Must have an Advantage Checking Account to qualify for 5.12% APY. 5.12% APY on balances up to $1,000 and 0.05% APY paid on balances above $1,000. Rates accurate as of 10/01/2026. Must do at least 10 debit card transactions monthly and be enrolled in eStatements to get higher APY on first $1,000. Restrictions apply and rates can change at any time without notice.  

3 - Some restrictions may apply. Business and specialized accounts are not eligible. Upon enrollment, we will round up your Visa Debit Card purchases to the nearest dollar and transfer the different from your checking account to a Community First savings account of your choice. Members must opt-into Save My Change to enroll and opt-out of Save My Change to end enrollment by completing our online form, contacting us, or visiting a branch. We may cancel or modify the Save My Change service at any time without prior notice.

4 - Members can receive their direct deposits up to two days earlier. No action is required to receive this complementary benefit. Early posting of the direct deposit is contingent upon receiving the funds from the sender. Payment may be delayed.