--- title: Pumpkin Spice & Loans So Nice | Community First description: Enjoy rates 0.50% below current APR* for vehicle, personal, and RV loans! Offer valid from November 2 - November 20, 2026. --- ![CFCU-Logo-white-no-tag](https://info.communityfirstfl.org/hs-fs/hubfs/CFCU-Logo-white-no-tag.png?width=165&height=71&name=CFCU-Logo-white-no-tag.png) [Call Our Express Team 904-204-2929](tel:9042042929) [![Community First](https://info.communityfirstfl.org/hs-fs/hubfs/CFCU_Logo_Global_Header_Hub2025.png?width=753&height=375&name=CFCU_Logo_Global_Header_Hub2025.png "Community First")](https://www.communityfirstfl.org/) [Call Our Express Team 904-204-2929](tel:9042042929) **COMMUNITY FIRST** # Pumpkin Spice & Loans So Nice! 'Tis the season to save big! Become a member and enjoy a **0.50% APR** reduction\* on your next loan! Offer expires on **November 20th.** **COMMUNITY FIRST** # Pumpkin Spice & Loans So Nice! 'Tis the season to save big! Become a member and enjoy a **0.50% APR** reduction\* on your next loan! Offer expires on **November 20th.** ![Fall latte image](https://info.communityfirstfl.org/hs-fs/hubfs/Fall%20latte%20image.png?width=275&height=196&name=Fall%20latte%20image.png "Fall latte image") ## borrow better this season Fall is here, and so is a great opportunity to save on your next loan! Whether you are shopping for a new car, planning a getaway, or tackling a personal project, Community First is here to help. Enjoy a 0.50% APR rate reduction on eligible Auto, Personal, and RV loans during our limited time promotion from November 2 - 20, 2026. Close on your loan by November 20th to lock in your special promo rate! ## not a member? Now is a great time to join! Keep your monthly payments low with our limited-time loan rate reduction. Choose the best loan for you below and complete our online application in just minutes! AUTO LOANS *Enjoy 0.50% off market APR\* on Community First Auto Loans!* ![Car image - circle](https://info.communityfirstfl.org/hs-fs/hubfs/Car%20image%20-%20circle.png?width=175&height=175&name=Car%20image%20-%20circle.png "Car image - circle") Offer valid between November 2 - November 20, 2026 [![Apply Now](https://no-cache.hubspot.com/cta/default/2674865/interactive-225629770269.png)](https://info.communityfirstfl.org/hs/cta/wi/redirect?encryptedPayload=AVxigLJwu89t8jUTS54GCi5i2ZNf4iCJcIzlINcJ%2F20pOGfHowAecQd5bq0QKx%2BHG%2Bzk8e49NMGa%2BTBrKPNo%2F7OKZSDDS2DjSeUv3MpL8TPFzfJbrngYkJlR%2Bu31mhsjZaiTG6rTHtzenViSYm%2FpkTHF255tfLUPJh55OYtZfGNmizolbojpswVYOCPRdbJwUz3slr2LRoVNVBqZvaqid1Ss3iIdXMjMXN7CaA7VmyuVNx068zzU9u1fV6F77CFJK7O3gSv3dik%3D&webInteractiveContentId=225629770269&portalId=2674865) [![Check Rates](https://no-cache.hubspot.com/cta/default/2674865/interactive-225629806910.png)](https://info.communityfirstfl.org/hs/cta/wi/redirect?encryptedPayload=AVxigLKmcQ8sfmZofppqM%2Fc3n%2Bf3cx3VIO3JQ9c%2B%2Bxi7Q1nsc3HpKpcDuKnkO7CRhHCUP9aVsHH1FDZPragD1Kq3eoMBWjoGfGtTIVLdwJVFa%2BLwprFX00631myCQPhvkIZj70jKHxvc0McK%2Fx%2BO7532%2FLs2cbtR1%2BBKvfQUyxS1E396KBpZHETiegUIlklApzywTqQwmeZZ9HL0huFPKMLtDBQQ3oEJuqkmoF239q1WSMvjbw%3D%3D&webInteractiveContentId=225629806910&portalId=2674865) *Discount applies to rates displayed on our website.* PERSONAL LOANS *Enjoy 0.50% off market APR\* on Community First Personal Loans!*  ![PSL image 2 - circle](https://info.communityfirstfl.org/hs-fs/hubfs/PSL%20image%202%20-%20circle.png?width=175&height=175&name=PSL%20image%202%20-%20circle.png "PSL image 2 - circle") Offer valid between November 2 - November 20, 2026 [![Apply Now](https://no-cache.hubspot.com/cta/default/2674865/interactive-225629770168.png)](https://info.communityfirstfl.org/hs/cta/wi/redirect?encryptedPayload=AVxigLLtYEcD%2FsxRv1nLYdLVXzC9UFYMSPUFr2MIdc5FRjxNH2YrEd3Kq2bUXnGV7kPFQq5KK32icnhBLfK8eNkbcegNggl3vgUjk7iCsR%2F2lBYWgi99rHWsDmSy2BjFKtlKfHhY%2BfbQ8gGqlJjTQnvPIVTpb7LysQalOxIydrJ4WbtyJWqiw2z7nQy54%2Ftl%2F9nto%2FXLydx0IGUXwLBXEyL0Knup%2FLcZ1Gtqfg0h%2BDXFs9D3E2ndb5aKjoZsqrqy0hnIo6VwPq%2FE&webInteractiveContentId=225629770168&portalId=2674865) [![Check Rates](https://no-cache.hubspot.com/cta/default/2674865/interactive-225629806950.png)](https://info.communityfirstfl.org/hs/cta/wi/redirect?encryptedPayload=AVxigLLbQ1f9yzNWsauAjWoEzcE9hIsvA5iyR1A9Ay7hjTVVIjjHf7BA%2Bw6qG7Mwdajb3gZ5X%2BRmpaznE3kBMp%2F7U2eSx6FjDZ%2BoWxrsePpfK%2BbSyYUU2dwbBNZTYqa%2B7uyIa%2FP71hUeZuuiJG1FkKSe%2BI%2BQ4RnVjWFZcpJz0IVZQnCypq8y7PmJE0gHIZYaO1I4Iak9YrAAzdZg1aPs0S1Jh9ZHGaQJoCNxl7azX5yOKMkLF%2BjAjtxC%2FzwHaw%3D%3D&webInteractiveContentId=225629806950&portalId=2674865) *Discount applies to rates displayed on our website.* RV LOANS *Enjoy 0.50% off market APR\* on Community First RV Loans!* ![RV image - circle](https://info.communityfirstfl.org/hs-fs/hubfs/RV%20image%20-%20circle.png?width=175&height=175&name=RV%20image%20-%20circle.png "RV image - circle") Offer valid between November 2 - November 20, 2026 [![Apply Now](https://no-cache.hubspot.com/cta/default/2674865/interactive-225629806995.png)](https://info.communityfirstfl.org/hs/cta/wi/redirect?encryptedPayload=AVxigLLQXv4aOKg%2BKnEAbOAu5z%2F7aKnbRsb7yaFN7urY29clTYca1m5okmsN8knESXJjGSGvGhqX0fHPgtee3anNu6w1dF7%2BsuGZrgDfEeGmXMu62uBshc8oB0mAYq1Pdyu2IRrhXR1iI1h%2FTA4NypIn6X%2B%2BSdLJwfyciWpEaEi6es7hz8y0nTZAWPfaSI9tjTCo4zjLoTYYK0zyPWTWqH12Vx8YriKZJlBmQbVn%2BLJH0d4OtI0MUZ2E%2BghGtsv2mf4KyWe29MRNe6U%3D&webInteractiveContentId=225629806995&portalId=2674865) [![Check Rates](https://no-cache.hubspot.com/cta/default/2674865/interactive-225629806910.png)](https://info.communityfirstfl.org/hs/cta/wi/redirect?encryptedPayload=AVxigLKmcQ8sfmZofppqM%2Fc3n%2Bf3cx3VIO3JQ9c%2B%2Bxi7Q1nsc3HpKpcDuKnkO7CRhHCUP9aVsHH1FDZPragD1Kq3eoMBWjoGfGtTIVLdwJVFa%2BLwprFX00631myCQPhvkIZj70jKHxvc0McK%2Fx%2BO7532%2FLs2cbtR1%2BBKvfQUyxS1E396KBpZHETiegUIlklApzywTqQwmeZZ9HL0huFPKMLtDBQQ3oEJuqkmoF239q1WSMvjbw%3D%3D&webInteractiveContentId=225629806910&portalId=2674865) *Discount applies to rates displayed on our website.* ![coffee in car image](https://info.communityfirstfl.org/hs-fs/hubfs/coffee%20in%20car%20image.jpg?width=350&height=217&name=coffee%20in%20car%20image.jpg "coffee in car image") ## Community First Loan BEnefits Community First Loans are designed to help you reach your goals with financial peace of mind. Lock in your discounted rate today and enjoy these additional perks! - No payments for up to 90 days\*\* - Flexible financing terms - Easy, fast approvals - Competitive Low Rates 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](http://communityfirstfl.org/connect/become-a-member) or call [904.354.8537](tel:9043548537) for more information on membership requirements. \*APR= Annual Percentage Rate. Pumpkin Spice & Loans So Nice 0.50% off APR offer applies for Personal Loans, Auto loans, and RV loans that are new, used, or refinanced from another financial institution. Loan documents must be originated on or before 11/20/2026. Loan documents originated in DocuSign must be accepted, signed, and returned by expiration date in DocuSign. In branch loan documents must be signed by 11/20/2026. Loan drafts presented to a dealership for vehicle purchase between 11/02/2026 and 11/20/2026 will receive the promotional discount. Indirect loan applications must be originated between 11/02/2026 and 11/20/2026 and documents must be signed for by 11/20/2026. All loans are subject to credit approval. Rate reduction will be applied to the approved rate tier. Restrictions may apply. Promotion excludes Green Path Auto Loans, loans financed through the Local Legends Program, and refinances of existing Community First Credit Union of FL loans. \*\*First payment may be deferred up to 90 days. Interest continues to accrue during deferred payment period. Deferring your payment will result in you having to pay higher total Finance Charges Product offers, terms, conditions, and other information provided herein are subject to change without notice. ![Community First Credit Union logo](https://info.communityfirstfl.org/hs-fs/hubfs/CFCU_Logo_CU_Wh-1-1.png?width=260&name=CFCU_Logo_CU_Wh-1-1.png) [Call Our Express Team 904-204-2929](tel:9042042929) Manage Cookie Settings **Headquarters** P.O. Box 2600 Jacksonville, FL 32232 ![equal housing opportunity logo](https://info.communityfirstfl.org/hubfs/2022/Equal-Housing-Opportunity-logo-PMS2757.png) Corp. NMLS#: 379502 Copyright © 2026 Community First Credit Union. All Rights Reserved.