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.
Data compiled from public sources · Google rating shown when a stored review count is available
Community First Credit Union of Florida operates as a member-owned credit union serving Florida residents. As a credit union rather than a traditional bank, it emphasizes personalized service and community focus. The organization highlights its local presence and commitment to member value through rate claims to verify and fee structures typical of credit union models.
The credit union provides a comprehensive suite of financial products including checking and savings accounts, mortgage loans, auto loans, personal loans, and credit cards. 5% unlimited cash back rewards, checking accounts with sign-up bonuses ($200 cash offer mentioned), and mortgage products marketed with rate claims to verify and no closing costs. Members can access online banking, mobile app services, and a network of branches and ATMs throughout Florida.
Community First distinguishes itself through member-focused initiatives including the moveUP Financial Wellness Program offering free financial education for students, adults, and entrepreneurs. They provide financial literacy resources covering topics like auto loan reduction, mortgage calculators, small business financing guidance, and credit union versus bank comparisons. The organization actively promotes financial wellness through educational content and promotional giveaways tied to financial literacy engagement.
As a credit union, Community First operates on a not-for-profit basis theoretically returning profits to members through better rates and lower fees. However, like all financial institutions, they remain subject to regulatory requirements and competitive pressures. The website content is primarily marketing-focused, and specific interest rates, fee schedules, and detailed loan terms are not transparently displayed on the homepage, requiring members to visit branch locations or contact the organization directly for detailed pricing information.
This is state-level context for Credit Unions consumers in St. Augustine, FL. It does not confirm that Community First Credit Union of Florida or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Community First Credit Union of Florida offers 12 services including Checking and savings accounts with sign-up bonuses, Mortgages with competitive rates and no closing costs, Auto loans and consumer lending, Credit cards with cash back rewards (1.5% unlimited cash back Visa Signature), Online banking and mobile app, and 7 more.
Community First Credit Union of Florida has profile signals associated with Florida residents seeking locally-focused credit union banking with rate claims to verify, Consumers interested in free financial wellness education and literacy programs, Homebuyers looking for mortgage products with listed no-closing-cost offerings.
Key strengths: Offers $200 cash bonus for opening new checking accounts; Provides unlimited 1.5% cash back on all purchases with their Visa Signature Credit Card; Mortgages marketed with competitive low rates and no closing costs. Areas to consider: Specific interest rates, APRs, and detailed fee schedules not transparently listed on website; Membership eligibility requirements not clearly stated on homepage.
In the Credit Unions category, comparable providers include Credit Union ONE, First Northern Credit Union, LibertyOne Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Community First Credit Union of Florida is profile signals for Florida residents seeking member-owned credit union banking with an emphasis on local service, rate claims to verify, and financial wellness education. The main caveat is that specific pricing details (interest rates, fees, APRs) require direct contact with the institution, and membership appears limited to Florida-based consumers.
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Google rating from 154 reviews
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Google rating from 98 reviews
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Google rating from 29 reviews
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