COMMUNITY FIRST CREDIT UNION OF FLO is an NCUA-insured credit union located in JACKSONVILLE, FL. New auto loan rates from 5.09% APR. Google rating: 4.6 out of 5 from 56 reviews.

Community First Credit Union of Flo

637 NORTH LEE STREET, Jacksonville, FL 32204

NCUA Insured4.6 (56 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1961

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Jacksonville, FL may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1961

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

637 NORTH LEE STREET

Jacksonville, FL 32204

Google Maps 🗺Waze

(904) 354-8537

Service Area

This credit union is located in Jacksonville and serves members in the FL area. Currently serving 191,902 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

5.09%

Used Auto Loan

5.59%

Personal Loan

10.25%

Credit Card APR

14.15%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q1 2026).

Mccoy— New Auto Loan

Orlando, FL

1.99%

Broward Healthcare— Used Auto Loan

Fort Lauderdale, FL

1.99%

Mccoy— Personal Loan

Orlando, FL

7.99%

Eglin— Credit Card APR

Fort Walton Bea, FL

7.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(26 total)

Compare Rates in Jacksonville

See how COMMUNITY FIRST CREDIT UNION OF FLO stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Jacksonville →Best Personal Loan Rates in Jacksonville →Best Credit Card Rates in Jacksonville →All Credit Unions in Jacksonville →

Member Reviews

4.6

56 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Sue Sheetz

5 months ago

I'm so glad I joined Community First Credit Union. Sharon, the Manager, is outstanding! Customer service is top-notch. They help in any way possible. Sharon helped me to save by getting me a lower monthly percentage on a loan vs a credit card. Thank you for ALL you do and the benefits you offer. Have a wonderful 2026!

Valerie Anthony

4 months ago

Andres Osorio was the best bank representative I’ve ever worked with! He not only fixed my problem, he took the time to teach me many things to work with online banking. I was so confused when I came in, but after working with Andres, I left feeling confident. Thank you, Andres!

Allie S

3 months ago

Andres helped me with a debit dispute and made the process so quick and seamless. He gave me clear directions on a timeline and left me feeling confident about my accounts and new card. Thank you Andres!

Duval Lee

a year ago

My experience with Community First was an awesome one. Open up a small business account with Jessica Sakhno when I tell you she was very knowledgeable helpful, & friendly. Great personality and easy to talk too. Treated me as a customer should be treated. I would recommend anyone to her at anytime. Thank u so much JS.

Tina S

3 months ago

Emrah is so helpful, patient, and kind. I asked him for a request that typically takes days and he got it done within the same business day. Thank you for your help!