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COMMUNITY FIRST

UNF Visa® Credit Cards

You're invited to apply! Make smart money moves with a UNF Visa® Credit Card!

Apply Now

show off your Osprey pride with your UNF Visa® Credit card:

UNF VISA® signature Credit CARD

UNF Credit Cards Signature

Earn more whether you're filling up your gas tank, dining out with friends, or shopping for school supplies. Earn a $150 cash bonus1, unlimited 1.5% cash back on all your purchases2, 0% APR on balance transfers3, and 1.9% APR on purchases4. 

Apply Now

UNF VISA® Platinum rewards credit CARD

UNF Credit Cards Visa REWARDS Platinum

You can earn points and redeem them with your CURewards Program. Plus, get 10,000 bonus CURewards points just for spending $1,000 in the first 90 days of account opening5, 0% APR on balance transfers3, and 1.9% APR on purchases4. 

Apply Now

UNF VISA® Platinum CREDIT CARD

UNF Credit Cards Visa Platinum

Looking for the best way to build credit? Then our UNF Visa® Platinum Card is the perfect option for students like you. Take advantage of competitive rates as low as 12.40% APR6, 0% APR on balance transfers3, and 1.9% APR on purchases4. 

Apply Now

CREDIT CARD BENEFITS:

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Cash Bonus

Earn a $150 cash bonus for spending $1,000 within 90 days of account opening.1

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Unlimited Cash Back

Pad your wallet with unlimited 1.5% cash back on all purchases.2

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Special APR on balance transfers

Enjoy 0% APR on balance transfers for 12 months made within the first 90 days!3

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Low APR on Purchases

Enjoy 1.9% APR for 12 months on purchases made within the first 90 days.4

Ready to get STarted?

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apply online

Use our quick and easy application to apply online in minutes.

Apply Now
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call our express team

Have questions? Reach out to our express team Monday - Friday: 8am - 6pm.

Call Us At 904-204-8494
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Schedule An Appointment

Not ready right now? No worries! Schedule an in-person or over-the-phone appointment.

Schedule Appointment

CHeck out our updated Credit Card Rates

CARD OPTION
RATES AS LOW AS

Visa® Platinum Credit Card

 12.40% APR6

Visa® Platinum Rewards Credit Card

 13.40% APR6

Visa® Signature Credit Card

 13.90% APR6

 

FREQUENTLY ASKED QUESTIONS

HOW CAN I GET ONE OF THESE SPECIAL EDITION CREDIT CARDS?

You can get any UNF Visa® Credit Card today at the UNF Branch, applying online or scheduling an appointment now!

CAN I SWITCH MY CARD IF I ALREADY HAVE A COMMUNITY FIRST CREDIT CARD?

YES! You are able to switch from your existing credit card to a UNF Visa® Credit Card. Consider the following factors before switching: 

  • If you want to replace your current debit card with the special edition UNF Visa® Credit Card, the card number, expiration date, and CCV code may change.
  • This means, you will likely need update any automatic payments with your new UNF Visa®Credit Card number.
I STILL HAVE QUESTIONS!

Our Express Team is here to help. Call them at 904.204.8494, and someone will be ready to assist you!

Express Team Hours of Operation:
Monday - Friday: 8 a.m. – 6 p.m.

Helpful resources

REDUCE YOUR STUDENT DEBT
With tuition costs soaring, it's no wonder that student loan debt can feel like a looming cloud. Explore actionable steps you can take to tackle your student loan debt. Click below to learn more!
+ Read more
PAY YOURSELF FIRST
The concept of “paying yourself first” embodies a strategic approach to saving money. Let's explore its potential to reshape the way you think about your money. Click below to learn more!
+ Read more
CREATE A BUDGET
A budget helps you manage your money and enables you to build financial stability and security. Understand the basic budgeting rules and how to manage your expenses. Click below to learn more!
+ Read more

Federally insured by NCUA. All new Community First Credit Union of Florida (“Credit Union”) 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. 

All introductory offers are only available for new credit cards. You may not be eligible for introductory credit card offers if you opened a Community First Credit Card within the last 15 months from the date of new application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance.

1 - $150 credited to qualifying members' primary share account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. All loans and accounts are subject to approval. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply and verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.

2 - A $5,000 minimum limit is required for the Visa® Signature Credit Card. Cash back can be redeemed on demand through the Cash Back Mall. Online banking with the Credit Union is required to participate in the Cash Back Mall. If the cash back balance is not redeemed, your cash back balance will be automatically applied to your credit card balance every November. Currently, the Cash Back Rewards percentage is 1.5%; however, this percentage may change at our discretion at any time without advance notice to you.

3 - APR= Annual Percentage Rate. 0% Introductory APR for 12 billing cycles, valid for balance transfers made within the first 90 days of account opening. After the 12-month promotional period ends, it will revert to your standard variable rate. A 3% transaction fee will be applied for each balance transfer. All credit card applications are subject to approval. Balance transfers of existing Credit Union credit cards are not eligible for this promotion. Certain restrictions and limitations may apply.

4 - APR= Annual Percentage Rate. 1.9% Introductory APR for 12 billing cycles from date of account opening, valid for purchases made within the first 90 days of account opening. After the 12-month promotional period ends, it will revert to your standard variable rate. All credit card applications are subject to approval. Certain restrictions and limitations may apply.

5 - 10,000 bonus points credited to qualifying members rewards account on or around the following month of reaching the $1,000 minimum within 90 days of opening the credit card. All rates are based on an evaluation of the member’s individual credit history. Terms and conditions apply. Verification and restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice. For more details about Rewards Accrual, see our CURewards Rules page.

6 - APR=Annual Percentage Rate. Rate listed applies to Community First Platinum Visa® Credit Card. Please see our Credit Card rates page for more details.