Business Details
50+ Years
experience
Your Trusted Financial Partner in Jacksonville
Community First Credit Union of Florida has been a trusted financial partner for 90 years, dedicated to empowering members through personalized financial solutions. Guided by our collaborative principles, we prioritize the needs of our employees, members, and community to help them achieve their best lives. As one of Florida's largest credit unions, we offer a full range of services including banking, loans, mortgages, and investment options tailored to every life stage. Our not-for-profit structure ensures earnings are reinvested into the community through the Community First Cares Foundation and local partnerships. With 24 branches, over 400 employees, and $2.81 billion in assets, we combine local expertise with sophisticated financial tools.Our commitment to transparency, no hidden fees, and exceptional customer service has earned us recognition as Florida's 2022 Credit Union of the Year. Through our moveUP Financial Wellness Program, we equip members with free resources to build financial confidence at every age. Our team's dedication to personalized supportfrom loan assistance to community engagementreflects our core mission of enabling individuals to define their own 'best life.'
Services
Savings Accounts
Checking Accounts
Auto Loans
Mortgage Loans
Credit Cards
Home Equity Loans
Investment Services
Financial Wellness Programs
Details
- Year established: 1935
Highlights and features
- 90 years of serving Florida communities with local decision-making
- Not-for-profit structure returns value to members through better rates
- Community investment through the Community First Cares Foundation
- 24 branches and digital tools for convenient banking access
- moveUP Financial Wellness Program for personalized financial education
Associations and certifications
- NCUA
What people say
Excellent rates
Friendly staff
Financial education
Quick approvals
Community focus
Services
Savings Accounts
Community First offers competitive savings solutions including Share Savings, Special Purpose Savings, and Youth Advantage accounts. These accounts feature no monthly fees, federal insurance up to $250,000, and tiered interest rates. Members benefit from flexible options for emergency funds, retirement planning, and educational savings with youth accounts starting at $5.
Auto Loans
The credit union provides new and used car loans with terms up to 84 months, recreational vehicle financing, and auto refinancing options. Special features include no payments for the first 90 days, lease buyouts, and competitive rates starting at 4.90% APR. Local decision-making enables fast approvals within minutes through online or branch channels.
Mortgage Loans
Comprehensive mortgage services include conventional fixed-rate, jumbo, adjustable-rate, and first-time homebuyer loans with up to 100% financing. Additional options cover home equity loans, HELOCs, and refinancing with no closing cost choices. The credit union offers same-day pre-approvals and quick closings typically within 30 days.
Credit Cards
Three Visa card options cater to different needs: Signature (1.5% cash back), Platinum Rewards (points system), and Platinum (low-rate option). Features include introductory APRs, no annual fees, contactless payments, and digital wallet integration. The cards support balance transfers and build credit history with responsible use.
Financial Wellness
The moveUP Financial Wellness Program delivers free resources for all life stages, including budgeting tools, debt management guidance, and investment education. Available through online modules and in-person workshops, it serves students, adults, and entrepreneurs with practical financial literacy training.
People
Sam Inman
President and CEO
With decades of leadership experience in financial services, Sam Inman guides Community First's strategic vision while maintaining focus on member-centric innovation and community impact.
Jimmy Lovelace
Chief Experience Officer
Jimmy Lovelace oversees member experience initiatives, ensuring seamless service delivery across digital platforms and branch locations through continuous process improvement.
Roger Rassman
Chief Marketing Officer
Roger Rassman leads brand development and community engagement strategies that reinforce Community First's position as Florida's most trusted financial institution.
Tim Simpson
Chief Information Security Officer
Tim Simpson safeguards member data through advanced cybersecurity measures while maintaining compliance with federal regulations for secure digital banking operations.
Lori Smith
Chief Human Resources Officer
Lori Smith develops talent management programs that foster employee growth and maintain Community First's reputation as an employer of choice in Northeast Florida.
Questions
What makes Community First different from banks?
As a not-for-profit credit union, we return earnings to members through better rates, fewer fees, and community investment while offering the same services as traditional banks.
How can I access my accounts?
24/7 access through online banking, mobile app with Zelle integration, 24 branches, and customer service available Monday-Friday 8 AM-6 PM and Saturday 9 AM-3 PM.
Do you offer business banking services?
Yes, we provide business checking accounts, commercial loans, merchant services, and specialized financial solutions for local businesses and organizations.
What financial education resources are available?
Our free moveUP Financial Wellness Program offers online modules, workshops, and personalized counseling for budgeting, investing, and life-stage financial planning.
How do I qualify for membership?
Eligibility requires living, working, or studying in 17 Florida counties, family connection to existing members, or employment with select partner organizations.
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