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*TERMS AND CONDITIONS OF REFERRAL PROGRAM. 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 or works in Baker, Clay, Duval, Flagler, Nassau, Putnam or St. Johns counties. *Community First Credit Union of Florida reserves the right to withdraw this offer at any time without prior notice. New member will receive $25 credit at time of checking account opening. A minimum opening deposit of $25 is required for a new checking account. Referring member is responsible for letting the credit union know when the friend they referred has opened the checking account and will receive a $25 credit at that time. New member must mention the referring member at time of account opening for the referring member to receive the $25 credit (or come into the branch with the referring member). New member can only be referred by one existing member. Must mention this offer to receive it. Consult a tax adviser for tax consequences.