Community First Credit Union of Flo logo

Community First Credit Union of Flo in Jacksonville, FL

No stored Google rating available.

Catholic Family Federal Credit Union is a member-owned, not-for-profit credit union based in Wichita, Kansas, serving over 4,300 members with $28 million in assets since 1947.

Data compiled from public sources

Community First Credit Union of Flo Review

Catholic Family Federal Credit Union (CFFCU) was established in 1947 as St. Joseph Federal Credit Union by Father Arthur Klyber, C.Ss. R., originally serving members of St. Joseph Catholic Parish. The credit union was renamed Catholic Family Federal Credit Union in 1990 and has since expanded its membership base significantly. Today, it operates as a full-service financial institution headquartered in Wichita, Kansas, with over 4,300 members and $28 million in assets. The organization maintains its faith-based roots while serving a broader community.

CFFCU offers a comprehensive suite of financial products and services including personal and business checking accounts, savings and club accounts, retirement and education accounts, home and auto loans, VISA credit cards, insurance services, and other loan products. They also provide online banking access and financial education services to their membership. The credit union publishes current rates for savings accounts and loans on their website, making pricing listed to prospective members.

What distinguishes CFFCU is its membership eligibility structure combined with accessibility. Primary eligibility includes individuals who are members, employees, volunteers, students, alumni, or sponsored groups of affiliated Catholic parishes, schools, and institutions in the Wichita area, as well as persons who live, work, worship, or attend school in designated underserved low-income areas. For those who don't meet these criteria, CFFCU offers a free Kansas Consumer Council membership program that provides access to the credit union. Additionally, they offer a "Faith & Affordability" mortgage loan program with rate claims to verify starting at 5.49% for up to 30 years on both purchases and refinances.

As a not-for-profit, member-owned cooperative, CFFCU operates without the profit motive of traditional banks, allowing rate claims to verify and member-focused services. The credit union serves select employee groups including Adorers of the Blood of Christ, Catholic Charities, Catholic Schools, Postal Presort, and JR Custom Metal Products, demonstrating a community-centered approach. However, membership is geographically limited to the Wichita, Kansas area and affiliated organizations, which may restrict accessibility for those outside the service territory.

Services & Features

Auto loans
Business checking accounts
Education savings accounts
Financial education services
Home loans and mortgages
Insurance services
Online banking
Other loan products (personal, business, specialty)
Personal checking accounts
Retirement accounts
Savings and club accounts
VISA credit cards

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Not-for-profit, member-owned structure means rate claims to verify and member-focused services rather than profit-driven fees
  • Free Kansas Consumer Council membership program for those who don't meet standard eligibility requirements
  • "Faith & Affordability" mortgage rates starting at 5.49% for up to 30 years on purchases and refinances
  • Full-service offerings including checking, savings, loans, mortgages, credit cards, and insurance services all in one institution
  • Serves underserved low-income areas in Wichita as part of membership eligibility criteria
  • Over 75 years of establishment history (founded 1947) demonstrates stability and community commitment
  • Online banking access and financial education services available to members
  • Multiple service channels: phone (800.973.3328), email (sdffcu@sdffcu.org), and in-person at 4926 La Cuenta Drive, San Diego, CA

Cons

  • Membership is geographically limited to Wichita, Kansas area; cannot join if you don't live, work, or have affiliation in the region
  • Small credit union with only 4,300 members and $28 million in assets compared to larger financial institutions, which may limit product variety or technological capabilities
  • Limited online presence and marketing materials compared to larger institutions, making it harder to research products and services online
  • Restricted business hours (M-F 8:00am - 3:30pm) with no weekend availability for phone support
  • Limited information on their website about specific loan terms, APRs, fees, or minimum balance requirements for accounts

State Consumer Finance Context

This is state-level context for Credit Unions consumers in Jacksonville, FL. It does not confirm that Community First Credit Union of Flo or this specific location is licensed.

State regulator

Florida Office of Financial Regulation

Key state rules to check

  • Payday loans (deferred presentment) capped at $500 with maximum fee of $10 per $100 ($300) or $15 per $100 ($300-$500).
  • Borrowers can have only one outstanding payday loan at a time, tracked via a statewide database.
  • A mandatory 24-hour cooling-off period is required between payday loans.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Mortgage Lending Transparency

Community First Credit Union of Flo processed 1,199 mortgage applications in 2023, with 65.2% recorded as approved across 10 states.

1,199

Applications

65.2%

Approval Rate

$143K

Avg Loan

10

States Served

Approval Rate by Applicant Income

Under $50K
26.8%
$50K–$100K
66.6%
$100K–$200K
82.9%
Over $200K
86.2%

Based on 1,199 applications. Income in thousands (reported by applicant).

States With Recorded Applications

Florida 1,156 apps · 65.9%
Georgia 11 apps · 90.9%
North Carolina 4 apps · 100%
Pennsylvania 3 apps · 66.7%
Ohio 2 apps · 100%
South Carolina 2 apps · 0%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does Community First Credit Union of Flo offer?

Community First Credit Union of Flo offers 12 services including Personal checking accounts, Business checking accounts, Savings and club accounts, Retirement accounts, Education savings accounts, and 7 more.

What profile signals are listed for Community First Credit Union of Flo?

Community First Credit Union of Flo has profile signals associated with Members of Catholic parishes, schools, and institutions in the Wichita area seeking member-owned credit union benefits, Individuals in designated low-income areas of Wichita looking for affordable lending and fair rates, Employees of affiliated organizations (Adorers of the Blood of Christ, Catholic Charities, Catholic Schools, etc.) needing comprehensive financial services, Homebuyers in Kansas interested in the "Faith & Affordability" mortgage program with competitive fixed rates.

What are the strengths and weaknesses of Community First Credit Union of Flo?

Key strengths: Not-for-profit, member-owned structure means rate claims to verify and member-focused services rather than profit-driven fees; Free Kansas Consumer Council membership program for those who don't meet standard eligibility requirements; "Faith & Affordability" mortgage rates starting at 5.49% for up to 30 years on purchases and refinances. Areas to consider: Membership is geographically limited to Wichita, Kansas area; cannot join if you don't live, work, or have affiliation in the region; Small credit union with only 4,300 members and $28 million in assets compared to larger financial institutions, which may limit product variety or technological capabilities.

How does Community First Credit Union of Flo compare to similar companies?

In the Credit Unions category, comparable providers include American Airlines Federal Credit Union, Community First Credit Union, GTE Financial Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1961
Headquarters
Jacksonville, FL
BBB Accredited
No
Certifications
NCUA Insured Charter #67290
Visit Community First Credit Union of Flo

CreditDoc Profile Note

Research Note on Community First Credit Union of Flo

CFFCU is profile signals for individuals and families with ties to Catholic institutions or those living in designated low-income areas of Wichita, Kansas, who value member-owned, not-for-profit financial services with rate claims to verify. The primary caveat is that membership is geographically and organizationally restricted to the Wichita area and affiliated groups; those outside this region cannot join even through the Consumer Council program.

Profile Signals

  • Members of Catholic parishes, schools, and institutions in the Wichita area seeking member-owned credit union benefits
  • Individuals in designated low-income areas of Wichita looking for affordable lending and fair rates
  • Employees of affiliated organizations (Adorers of the Blood of Christ, Catholic Charities, Catholic Schools, etc.) needing comprehensive financial services
  • Homebuyers in Kansas interested in the "Faith & Affordability" mortgage program with competitive fixed rates
Updated 2026-05-14

Similar Companies

American Airlines Federal Credit Union logo

American Airlines Federal Credit Union

American Airlines Federal Credit Union is a credit union offering checking, savings, auto loans, mortgages, and credit cards primarily to American Airlines employees and their families.

5.0/5

Google rating from 67 reviews

BBB: NR

Profile signals: American Airlines employees and retirees seeking employer-affiliated financial services, Airline industry employees looking for auto financing with industry-specific rate claims to verify

Community First Credit Union logo

Community First Credit Union

Community First Credit Union of Florida is a member-owned financial institution offering checking, savings, loans, mortgages, and credit cards with a focus on local banking and financial wellness.

4.9/5

Google rating from 1,813 reviews

BBB: NR

Profile signals: Florida residents seeking personalized local banking with community-focused service, Consumers prioritizing financial education and wellness resources alongside banking services

GTE Financial Credit Union logo

GTE Financial Credit Union

GTE Financial is a credit union serving members since 1935 with checking, savings, loans, mortgages, and credit cards. They emphasize member benefits, community involvement, and rate claims to verify.

4.5/5

Google rating from 279 reviews

BBB: NR

Profile signals: Local Tampa Bay residents and businesses seeking comprehensive financial services with personalized local branch support, Members prioritizing community impact and charitable giving, as evidenced by $607,000 annual donations and volunteer engagement

Compare Your Needs With Community First Credit Union of Flo

Answer 3 quick questions to review category, service, and profile context.

1. What's your primary financial goal?

Quick Summary

  • Community First Credit Union of Flo is listed as a Credit Unions provider in Jacksonville, FL on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Financial Wellness Guides

Affiliate Disclosure: CreditDoc may earn a commission when you click links to Community First Credit Union of Flo and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.