Credit union · NCUA insured
Community First Credit Union of Florida
A $3.2B credit union, the 157th largest of 4,329, headquartered in Jacksonville, FL, with 191,902 members and 31 branches in 2 states. Best rates: CDs 4.15% and savings 1.11% APY.
Community First Credit Union of Florida Carrot Score
77
Carrot Score
Higher than 45% of U.S. banks and credit unions
#19 of 29 in Jacksonville, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Community First Credit Union of Florida
Founded in 1935 as Duval County Teachers Credit Union, Community First Credit Union of Florida is a member-owned financial cooperative.
Based in Jacksonville, Florida, the 25-branch credit union acquired First Southern Bank to expand its reach across Florida and Georgia communities.
- Headquarters
- 637 N Lee St, Jacksonville, FL 32204-1141
- NCUA charter
- 67290
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or attends school in Baker, Brevard, Broward, Clay, Duval, Flagler, Highlands, Indian River, Lake, Manatee, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia County in Florida.
- Membership is open to anyone who lives or works in Brantley, Charlton, Clinch, Coffee, Glynn, Pierce, Ware, or Wayne County in Georgia.
Employers and groups
- Membership is open to employees of select employer groups, including Genesis Health, Miller Electric Company, and Web.com.
Family and household
- Membership is open to relatives of existing or eligible Community First Credit Union of Florida members.
Cost to join
- New members must open a Share Savings Account with a minimum $5 initial deposit held in the share account.
Branches
31 branches in 2 states
Loading map…
Florida
27 branches
Jacksonville area · 24
- Callahan542523 US Highway 1, Callahan, FL 32011Directions
- Fleming Island2004 Eastwest Pkwy, Fleming Island, FL 32003Directions
- Arlington7676 Merrill Rd, Jacksonville, FL 32277Directions
- Bartram13910 Village Lake Cir, Jacksonville, FL 32258Directions
- Boulevard Crossings5617 Beach Blvd, Unit 7, Jacksonville, FL 32207Directions
- Downtown623 N Main St, Jacksonville, FL 32202Directions
- Gate Parkway7543 Gate Parkway, Jacksonville, FL 32256Directions
- Hodges13808 Beach Blvd, Jacksonville, FL 32224Directions
- Lakewood1670 University Blvd W, Jacksonville, FL 32217Directions
- Lem Turner11907 Lem Turner Rd, Jacksonville, FL 32218Directions
- Mandarin11200 San Jose Blvd, Suite 105, Jacksonville, FL 32223Directions
- Northpoint3133 New Berlin Rd, Jacksonville, FL 32226Directions
- Northside1623 Edgewood Ave W, Jacksonville, FL 32208Directions
- Oakleaf9690 Applecross Rd, Jacksonville, FL 32222Directions
- Riverside Branch1012 Margaret St, Jacksonville, FL 32204Directions
- Unf1 UNF Dr Bldg 1402, Jacksonville, FL 32224Directions
- Westside7640 103rd St, Jacksonville, FL 32210Directions
- Beaches1451 3rd St S, Jacksonville Beach, FL 32250Directions
- Neptune Beach1425 Atlantic Blvd, Neptune Beach, FL 32266Directions
- Orange Park625 Blanding Blvd, Orange Park, FL 32073Directions
- Beachwalk525 Beachwalk Shore Dr, Saint Johns, FL 32259Directions
- Murabella5360 State Road 16, St. Augustine, FL 32092Directions
- St. John's3581 N Ponce De Leon Blvd, St. Augustine, FL 32084Directions
- Yulee463909 State Road 200, Unit 1, Yulee, FL 32097Directions
North Port area · 1
- Manatee Branch1825 Manatee Ave W, Bradenton, FL 34205Directions
Sebring area · 1
- Sebring Branch205 W Center Ave, Sebring, FL 33870Directions
Port St. Lucie area · 1
- Stuart Branch2522 Se Willoughby Blvd, Stuart, FL 34994Directions
Georgia
4 branches
Waycross area · 3
- First Southern BankMain office930 Memorial Dr, Waycross, GA 31501Directions
- Blackshear Branch221 Ware St, Blackshear, GA 31516Directions
- Patterson Branch6365 Us 84, Patterson, GA 31557Directions
Jesup area · 1
- Wayne County Branch927 S 1st St, Jesup, GA 31545Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.26% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.63% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.90% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $85 | $88 | — |
- CapitalNet worth ratio12.26%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.63%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.90%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$85Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Community First Credit Union of Florida are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.