An email to community first.... I have been a member of this bank for twenty years. I have a pretty big issue at the moment. I took out a personal loan approximately 4 years ago for approximately 4k. Community first set up and payments and I set up auto payments not to miss one. I get to the nearing of completion on this loan, which previously was two separate payments at 100 dollars each per month. 3 years, no issues. When my loan got smaller, I've noticed that community first stopped allowing the auto withdrawal of 2 separate payments, and wanted their APR for the whole term. All of the sudden, instead of keeping the scheduled 100 payments, it just stopped because my balance was around 200 dollars. Ok, dirty business, but I understand. Make your money off your member. Need your interest. Fantastic. I missed an EIGHTEEN dollar minimum payment I guess two months ago. Over 30 days. Well, I have two accounts with community first, checking and savings. Am I led to believe you couldn't access my account to retrieve this ridiculous payment? I have EIGHTEEN dollars in all of my communty first accounts. Please help yourself for EIGHTEEN dollars when we you'd like. My issue now becomes a larger one. My own bank turned me into the credit bureau for missing an EIGHTEEN dollar payment after taking 200 a month from me no problem. Without fail. So because my own bank turned me in for EIGHTEEN dollars, my credit score dropped nearly 100 points due to this. I'm currently attempting to buy a home. Thank you so much for killing my credit score over EIGHTEEN dollars that was obviously in my account. I'd ask you to please remove this late payment from my credit score immediately if you would be so kind. If not, I guess I'll take my banking elsewhere because this is embarrassing for not only me, but more embarrassing for community first in my opinion. I don't see this removed from my credit report, I will be withdrawing my accounts and any business I do with community first and will be more than happy to post a review. Your own bank will sell you out over EIGHTEEN dollars. Thank you so much for your concern to this embarrassing matter. Their response... Thank you for your message. To better serve you and answer your question, I advise calling us at 904-354-8537 to speak directly to one of our member service representatives to discuss your options in full. Please let us know if you have any other questions. Morris Eservice Representative My response: I'm not calling anyone. I will obviously go up the chain of command to deal with this issue. Please send me your supervisors info. Clearly this is a no factor at this level. Glad your credit score wasn't ruined over 18 dollars. I'd like an answer who your supervisor is by the close of business Mr Morris. Thank you and have a great day, Their response: NONE I would never do any banking with this group. Dragged my loan out and didn't allow my 100 dollar 2x a month payment so they could drag this loan out and pocket more interest. For EIGHTEEN dollars they turned me in to the credit bureau. Literally embarrassing read more

Community First in Yulee came into Nassau County in 2008, a few years after the merger of Educational Credit Union and Rayonier Credit Union /Eight Flags Credit Union. We serve those living and working in Northeast Florida. read more

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I must say I'm kind of partial to Community First! So, if you've been in North Florida your whole life or are moving to the area, check them out! If you like the ability to take care of business on Saturdays, you're covered; the branch hours are 9-5! Get pre-approved for auto loans and mortgages, swap out those high rate credit cards or get a great CD rate! read more

Amy Ryan knows her stuff. She is someone you can trust. If your tired of your bank or just wanting to know what other options are out there definitely talk to Amy. read more

I was so glad when Community First opened in Yulee. What a great place to bank. This place so fits the culture of our area. Everyone is so friendly and willing to assist. For years I banked with another local bank and it seemed like every time is went in they were doing me a favor. Not so here. Between the tellers and the other bank staff they go out of their way to help. read more