Current Offers

¹ Earn $200 cash for opening your first Community First checking account, completing deposits totaling $1,000 or more that post within the first 90 days of account opening, and making 10 or more qualifying debit card transactions 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 Community First Credit Union or who have closed a checking account with Community First 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 3.04% APY. 3.04% APY on balances up to $500 and 0.05% APY paid on balances above $500. Rates accurate as of 11/01/2024. 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.

³ Official rules: NO PURCHASE NECESSARY TO ENTER OR TO WIN. Employees of Community First Credit Union of Florida and its subsidiaries, affiliates, shareholders, officers, directors, agents, representatives, and employees (“Sponsor”) are not eligible to enter or win. Sweepstakes is subject to all applicable federal, state, and local laws. Entry must include a valid email address and telephone number to win. To enter, complete the official entry form here. Maximum number of entries is one (1) per person. The sweepstakes for one (1) $1,000 cash prize begins on 10/10/2025 at 12:01 AM EST and ends at 10/31/2025 at 11:59 PM EST. One (1) potential winner will be selected on or about 11/14/25 from among all eligible entries received. A random drawing will be conducted under the supervision of the Sponsor. Sponsor’s decisions are final and binding on matters relating to this Sweepstakes. Potential winner will be notified by email and/or telephone within 48 hours (2) days of random drawing date. Potential winner will be required to verify eligibility, confirm mailing addresses and closest branch for purposes of prize fulfillment, within twenty-four (24) hours of receipt of request. Non-compliance within this time frame and/or with these Official Rules, Sponsor’s inability to contact potential winners within a reasonable time period, or prize notification returned as undeliverable will result in such potential winner’s disqualification and, at Sponsor’s discretion, the prize may be awarded to a potential alternate winner. Funds will be deposited into credit union savings account. The odds of winning the prize depend on the total number of eligible entries received. The winner is solely responsible for reporting and paying any and all applicable taxes. Except where prohibited, this sweepstakes shall be governed by the laws of the State of Florida.

⁴ Community First's No Closing Costs Mortgage Offer is available on primary and secondary residences only. Community First will pay up to $5,000 of the actual closing costs associated with this new mortgage excluding appraisal fees, origination fee, discount points, prepaid interest, private mortgage insurance, funds needed to establish the member's escrow account and non-lender fees. Maximum loan amount $806,500. This special offer is not available for First Time Home Buyer products. Some exclusions and restrictions apply. All mortgage loans subject to credit approval. This offer may end at any time.

⁵ Rapid pre-approvals are available on home purchases only.

⁶ The rate is frozen for up to 90 days while you shop for a home. A one-time fee will apply and is due upon issuing a pre-approval. Other restrictions and conditions apply. Contact us for details.

⁷ $200 account credit given upon opening a new Connections Business Checking account. APY= Annual Percentage Yield. $100 minimum opening deposit required for any business checking account.

⁸ A $5,000 minimum limit is required on the Visa^® Signature Credit Card. In each monthly savings statement, you will be credited a percentage of the U.S. dollar value of net purchases made during that month's credit card statement cycle. 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.

⁹ $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. Verification and restrictions may apply. All credit union program, rates, terms and conditions are subject to change at any time without prior notice.

¹⁰APR= Annual Percentage Rate. 1.9% APR for 12 months valid for balance transfers and purchases made within the first 90 days of account opening. After the 12 months promotional period ends, it will revert back to your normal variable rates. Credit, income, and other restrictions apply. Offer may end at any time without notice.

¹¹ Credit, membership, and other restrictions apply. A payment example is $15,000.00 financed for 54 months at 4.90% is approx. $310.73. Rates are subject to change without notice. Minimum loan amount is $14,000. Used vehicles must be 2018 or newer. Refinances of existing Community First Credit Union FL loans do not qualify for this offer.

¹² Financing available for up to 115% of the vehicle’s value as determined by JD Power. Loans are subject to approval. Offer only available for vehicles 2018 or newer. Credit, income, and other restrictions apply. Offer can end at any time without prior notice.

¹³ Rate listed applies to 13-month term. APY = Annual Percentage Yield. Interest compounded monthly. Subject to early withdrawal fees equivalent to 180 days of interest earned. The required minimum opening deposit for 4.50% APY rate is $45,000.00. Offer may end at any time without notice. Rates accurate as of 07/28/25. Fees may reduce earnings. Restrictions apply and rates can change at any time without notice.

¹⁴ APY – Annual Percentage Yield. The required minimum opening deposit for the 4.50% APY is $750,000. Rate is accurate as of 7/28/2025 and may change after the account is open. Interest compounded monthly. The current tiers and rates on the Business Money Market account balances $750,000 or greater – 4.50% APY, $500,000 - $749,999,99 4.25% APY, $250,000 - $499,999.99 4.00% APY, $100,000 - $249,999.00 3.75% APY, $50,000 - $99,999.99 3.25% APY, $25,000 - $49,999.99 0.75% APY, $10,000 – 24,999.99 .70% APY, $2,500 - $9,999.99 .65% APY, and $1,000 - $2,499.99 .60% APY.

All new accounts are subject to approval and membership eligibility required. Please visit our website at www.communityfirstfl.org/connect/become-a-member or call 904.354.8537 for more information on membership requirements. Fees may reduce earnings. Restrictions may apply . Product offers, terms, and other information provided herein are subject to change without notice.