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 Community First Credit Union Of Florida Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Community First Credit Union Of Florida's 13 Month CD - Jr. Jumbo rates are at 4.00%, 13 Month CD - Jumbo rates are at 4.00%, 13 Month CD - Super Jumbo rates are at 4.00%, 13 Month CD - Standard rates are at 3.90%, 6 Month SaveUP CD - Super Jumbo Max rates are at 3.56%. Community First Credit Union Of Florida's savings rates are at 0.10%. Community First Credit Union Of Florida's money market rates are at 0.60%. Community First Credit Union Of Florida's Personal Loan Rates are as low as 9.89%. Community First Credit Union Of Florida's Credit Card Rates are at 12.40%. MonitorBankRates evaluates the financial stability of Community First Credit Union Of Florida with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.16%. Rates last updated and verified on 09/22/2026. Community First Credit Union Of Florida money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community First Credit Union Of Florida? Share your experience about Community First Credit Union Of Florida by leaving a review below, or read customer reviews before you decide to use Community First Credit Union Of Florida. Community First Credit Union Of Florida
Headquarters 637 N Lee St
https://www.communityfirstfl.org Jacksonville, FL 32204-1141 
Community First Credit Union Of Florida CD Rates
Community First Credit Union Of Florida Savings Rates
Community First Credit Union Of Florida Money Market Rates
Community First Credit Union Of Florida Checking Rates
Community First Credit Union Of Florida Home Equity & HELOC
Community First Credit Union Of Florida Auto Loan Rates
Community First Credit Union Of Florida RV, Boat and Powersport Loan Rates
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Community First Credit Union Of Florida Other Rates
Financial Health HistoryCommunity First Credit Union Of Florida’s Texas Ratio rose from 2.42% in Q2 2023 to 3.16% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Community First Credit Union Of Florida is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Community First Credit Union Of Florida rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Community First Credit Union Of Florida's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Community First Credit Union Of Florida
Website
https://www.communityfirstfl.org
Address
637 N Lee St,
Jacksonville, FL 32204-1141
Phone
904-354-8537
Fax
904-371-7939
President
Malinda Prudencio
CEO
Sam Inman
Full-Time Employees
438
Part-Time Employees
21
Branch Locations
28
ATM Locations
25
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.16%
Return on Assets (ROA)
0.1711%
Return on Equity (ROE)
1.4100%
Non-Performing Loans Ratio (NPL)
0.60%
Total Assets
3,174,107,956
Total Amount of Shares and Deposits
2,770,253,526
Total Shares and Deposits < 1 Year
2,669,423,134
Total Shares and Deposits 1 3 Years
79,520,069
Total Shares and Deposits > 3 Years
21,310,322
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
374,550,673
Total Uninsured Shares and Deposits > $250K (F+J)
376,160,772
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,394,092,754
Total Interest Expense (Sum of items 6 8)
12,529,104
Share Certificates
18,209
Number of Accounts for Share Drafts
131,484
IRA KEOGH Accounts
4,935
Number of Accounts for Regular Shares
212,652
All other shares
708
Non Member Deposits
5
Money Market Shares
14,157
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
538,337,412
Total Liabilities
2,807,955,547
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Community First Credit Union Of FloridaHow many branches does Community First Credit Union Of Florida operate?Community First Credit Union Of Florida currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Community First Credit Union Of Florida?Yes, to access services at Community First Credit Union Of Florida, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Community First Credit Union Of Florida does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Community First Credit Union Of Florida provides members with tools to manage their accounts and build a solid financial history. Does Community First Credit Union Of Florida offer online and mobile banking?Most modern institutions like Community First Credit Union Of Florida provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.communityfirstfl.org. Current Community First Credit Union Of Florida Rates
Retrieved from our database of financial products. Rates subject to change.
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