Community First logo

Community First

4.1/5

Community First Credit Union of Florida offers traditional banking services including checking, savings, mortgages, credit cards, and personal loans to members in Florida.

Data compiled from public sources · Rating from CreditDoc methodology

Community First Review

Community First Credit Union of Florida is a member-owned financial cooperative based in Florida that provides comprehensive banking and lending services to its membership. As a credit union rather than a traditional bank, the organization operates on a not-for-profit basis with routing number 263078934 and maintains multiple branch and ATM locations throughout Florida. 5% unlimited on their Visa Signature card), and personal lending options.

They provide online and mobile banking platforms for account management, payment processing, and loan applications. The organization also offers financial wellness resources through their moveUP Financial Wellness Program, which provides educational content for students, adults, and entrepreneurs. " They run promotional campaigns including new account bonuses ($200 for new checking accounts) and financial literacy initiatives with cash prize giveaways.

The organization highlights career opportunities and company culture as part of their member value proposition. As a credit union, Community First serves primarily Florida residents who qualify for membership. The website demonstrates standard financial institution functionality with online banking, rate information, and educational resources.

However, the available website content does not provide detailed information about membership requirements, fee structures, specific loan terms, or comparative rate data that would allow prospective members to fully evaluate competitiveness relative to other regional or national financial institutions.

Services & Features

Auto loans and consumer lending
Bill payment and money transfer services
Branch and ATM access throughout Florida
Career opportunities and employment services
Checking and savings accounts
Credit cards with cash back rewards
Financial wellness education through moveUP program
Mortgage loan calculator tools
Mortgage loans for home purchase and refinance
Online and mobile banking platforms

Feature Checklist

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

Pros & Cons

Pros

  • Credit union structure typically offers lower fees and better rates than traditional banks
  • No closing costs on mortgage loans, which can save thousands on home purchases
  • New account bonus of $200 for opening a checking account
  • Unlimited 1.5% cash back on all purchases with their Visa Signature credit card
  • Free moveUP Financial Wellness Program for financial education across life stages
  • Multiple branch and ATM locations throughout Florida for member convenience
  • Online and mobile banking platform for account management and payments

Cons

  • Membership may be restricted to Florida residents or specific eligibility criteria not detailed on website
  • Limited information provided about loan terms, APRs, and specific rates for different products
  • No mention of unique credit union features like dividend rates on savings accounts or lower loan rates compared to competitors
  • Website lacks transparent fee schedule information for various account types and services
  • No information about whether they serve members outside Florida or offer services to businesses

Rating Breakdown

Value
5.0
Effectiveness
3.7
Customer Service
3.7
Transparency
4.0
Ease of Use
4.2

Frequently Asked Questions

Is Community First legitimate?

Yes. Community First is a registered company, headquartered in ,, founded in 1985.

How long does Community First take to show results?

Membership approval and account opening typically takes 1-3 business days. Loan decisions are usually faster than traditional banks.

Quick Facts

Founded
1985
Headquarters
,
BBB Accredited
No
Certifications
NCUA Insured Charter #24199
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Community First

CreditDoc Diagnosis

Doctor's Verdict on Community First

Community First Credit Union of Florida is best for Florida residents seeking traditional banking services with the potential advantages of credit union membership, including member ownership and typically lower fees. The primary caveat is that specific loan rates, fees, and membership eligibility requirements are not transparent on their website, making it necessary to contact the institution directly for detailed product comparisons before opening an account.

Best For

  • Florida residents seeking a local alternative to large national banks
  • Borrowers interested in mortgage loans with no closing costs
  • Credit union members who value member ownership and not-for-profit banking structure
  • Consumers seeking educational financial wellness resources and financial literacy support
Updated 2026-05-08

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