Auto Loans

Whether you're looking to buy a new or used vehicle, or refinance your current auto loan from another lender, Community First Credit Union will make your financing decision easier. 

• Low affordable rates
• No processing fees
• No application fees
• Financing options up to 84 months
• No prepayment penalties
• Automatic payroll deduction available This is a limited time offer.
• Call our Loan Officer at 440-997-5919, Ext. 2
• Visit one of our Ashtabula County offices 

You can also get preapproved so you know how high you can go on a vehicle and still be able to afford the monthly payments, before you even step foot on the dealer's lot. 

Transfer your current auto loan to Community First
Are you paying too much for your current loan from another lender? You can easily transfer your auto loan to Community First at our low rate. You could save money with every monthly payment! Contact us today or apply online below.  

Recreational Vehicles
For all you outdoor enthusiasts, your credit union will take care of the financing or refinancing on the following vehicles with wide range of terms and fixed interest rates to meet your needs.
• Boats & Jet Skis
• Motorcycles & ATVs
• RVs & Campers 

Classic Car Auto Loans
Some people dream of buying a brand new car. For others, it's an OLD car that starts their engines. That's why Community First offers our Classic Car Auto Loan. We understand that a Classic Car is not the same thing as a Used Car. Our loan officers take the time to talk with you about your dream vehicle and work to help you finance it. If you are financing a Classic Vehicle that is 25 years old or older, ask us about our Classic Car Auto Loan. 

Apply Now 

Protect your Auto Loan with GAP Insurance
Community First gives you a great rate on your auto loan. And we also want to make sure you are protected should anything go wrong. That's why we offer you Guaranteed Asset Protection (GAP Insurance). If your vehicle is wrecked or stolen, you may owe more on your loan than your insurance is willing to pay you. GAP Insurance through Community First pays for the difference between your insurance settlement and your outstanding loan balance. You can purchase GAP Insurance when you get your auto loan at Community First. 

Personal and Student Loans

Signature Loans
Our signature loans are an unsecured loan that you can use for just about anything. You can borrow up to $15,000 for as long as 5 years with our low competitive fixed rate.

Student and Education Loans
In partnership with Sallie Mae, we offer the The Smart Option Student Loan to members. This loan features three repayment options, competitive interest rates, and no origination fees. Please find complete information on the Sallie Mae website. 

Home Loans

First Mortgages
Are you looking to purchase your first home or just wanting to refinance? Visit Community First Credit Union for your financing. 

Our loan officers are ready to assist in clarifying the sometimes complicated mortgage loan process. 

• Benefits of First Mortgage Loans:
• Competitive interest rates
• Fixed or adjustable rate long term mortgages are available
• Loan officers available for counseling in budgeting for real estate taxes, for home insurance and for other costs associated with home ownership
• Payments can be made through payroll deduction, so there's no need to write a check each month
• Additional principal payments are accepted at any time
• No prepayment penalty 

For details or to set an appointment, call the Mortgage Loan Department at Community First Credit Union or apply online.

Apply for a First Mortgage 

Second Mortgages
If you need help with college expenses, home improvements, bill consolidation or just about anything else, our second mortgage loan program can help with all this and more. 

• Our Second Mortgage Program features:
• A low fixed rate Terms up to 20 years
• No Application Fees
• No Closing Cost 

Interest may be tax deductible Put the equity in your home to good use and give our loan officers a call at 440-997-5919, Ext. 2. 

Apply online for a Second Mortgage

Home Equity Lines of Credit (HELOC)
A Home Equity Line of Credit is a revolving line of credit and works a lot like a credit card, where you can use it when you need it and make payments on the unpaid balance but at the same time giving you a much lower interest rate. 

• Our Home Equity Lines of Credit features:
• No Application Fees No Closing Costs
• 10 year draw periods
• 17 year payoffs 
• Interest may be tax deductible

Call one of our Member Service Reps today for more information and to start you application process at 440-997-5919, Ext. 2. 

Apply online for a HELOC  

Visa Credit Cards

Visa Credit Cards
You'll enjoy more shopping, more fine restaurants, more travel opportunities with a Community First Credit Union Visa Platinum or Gold card, whether you're going across town or around the world! 

Our cards are accepted around the globe wherever you see the Visa emblem. You'll benefit from its convenience and security whenever you use your card to travel, shop or dine. In business or pleasure, you'll find it makes your life a little bit easier. 

With your Community First Visa Platinum card you will be rewarded. Each purchase you make with your card earns you valuable Bonus Points you can redeem for brand name merchant Gift Cards. If you visit the website uChoose Rewards, you'll be amazed at the merchant Gift cards that are available. Once you've earned enough Bonus Points you can redeem them at the uChoose Reward site.

Your Visa Platinum Card provides you with:
• No Annual Fee
• Rates as low as 11.50% APR*
• 25 day grace period
• uChoose Rewards Your Visa Gold Card offers a lower rate than the Platinum. 

The Visa Gold Card does not have Rewards Points.
• No Annual Fee
• Rates as low as 7.99% APR*
• 25 day grace period 

Pick up an application the next time you're in the office or apply online.

Apply for a Visa Credit Card 

Access your Visa account online 

Visa Card Disclosure [PDF]

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases). 

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases). 

Verified By Visa
Verified by Visa adds an extra layer of security to make it harder for someone else to use your Visa card to shop online in the unfortunate event your Visa card or account number is lost or stolen. Each time your Visa credit or debit card is presented to make an online purchase at a participating merchant, know that Verified by Visa is working to make sure it is you that is attempting to make that purchase and not someone else. There is no special software to install. You will continue to shop as usual, and your enrolled Visa card number will be automatically recognized at checkout. 

Enroll in Verified By Visa

Checking/Debit Accounts & ATM Cards

Our Share Draft Accounts feel like a check, work like a check - but are better than a check. Those 'FREE' Checking accounts that other institutions advertise aren't always FREE. Institutions across the country are advertising "NO FEE" checking as if it were a terrific deal. On the surface it seems to be...until you look into the "other fees" that come with the account. 

Here's what to look out for:
• Exorbitant fees on overdrafts
• A limit to the amount of checks you can write
• Requirements to enroll in a club, or to keep high balances in either loan or deposit accounts, along with other restrictions 

Community First Credit Union offers:
• No monthly fee
• No per check charge
• The advantage of writing as many checks as you need
• Emergency overdraft protection with transfer from savings
• Direct deposit of checks 24 hour access with "Call Abby"
• Online access
• Debit Card from Master Card for purchases and ATM withdraw or deposits
• No gimmicks, no toasters, tool kits or picnic coolers - just a great deal!

Debit & ATM Cards

MasterMoney Debit Card
A MasterMoney Debit Card is faster than writing a check and more versatile than a regular ATM Card. You can use it as a debit card to make purchases anywhere MasterCard is accepted, without the hassle of writing a check. It can also be used online just like a credit card, but the funds would be debited from your checking account. You can use it as an ATM Card to get cash, make deposits, transfer money between accounts and check account balances 24 hours a day 7 days a week. 

Look for these logos to use thousands of surcharge-free ATMs or Search for ATMs. 

ATM networks

MasterCard SecureCode is a free online security service to guard you against unauthorized use of your MasterCard debit card while shopping online at participating merchants. There is no need to get a new card, no software to download, no cost, and no hassles... just added security. 

Enhanced Security Chip Cards
Your cards are enhanced with a computer chip. When used at a chip-enabled terminal, the chip and the reader interact with each other, validating the card and securing the transaction with a one-time code.

Digital Wallet
The simple and safe way to pay with your mobile device. 

Your Digital Wallet turns your smart phone, tablet or smart watch into a secure payment option:
• Your payment information is stored securely
• The phone, tablet or watch communicates with the payment terminal
• Paying with a digital wallet is actually safer than the card, because your real number is never revealed
• Your device's security keeps your information locked away  

Use only in ATM's to get cash, make deposits, transfer money between accounts and check account balances 24 hours a day, 7 days a week. 

Direct Deposit
To take advantage of this service, simply stop in or call and we will guide you through the direct deposit process. Your check will continue to be made out to you, but will be sent for deposit here to your account at no additional charge to you. This service may be cancelled at any time and you will begin receiving your payments at home again. Arrangements can also be made for other recurring checks or payments to be deposited to your account. Remember, all deposits are NCUA insured. 

Overdraft Privilege and Overdraft Protection
Community First Credit Union understands that checking or debit overdrafts occur from time to time – our Overdraft Coverage can help. Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at Community First Credit Union for a fee. Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. You must apply for one of these services if you wish to use it. 

Control your Debit Card with the CardValet App
Take control of your Debit Card with the CardValet App. Our new CardValet app lets you control your debit card, save time and gain peace of mind knowing you can control your card with the phone in your pocket. 

CardValet logo


CardValet lets you:
• Turn your debit card on and off.
• Establish transaction controls for dollar amount limits, merchant categories and geographic locations.
• Receive alerts when your debit card is used, approved or exceeds the transaction controls set by you.
• Stay informed of potential fraud with alerts on attempted, declined transactions.
• Get real-time balances for your accounts.

Download the CardValet app for your Apple iOS or Google Android device.


Federally insured by the NCUA

2043 E. Prospect Rd., Ashtabula, Ohio 44004 ∙ 440-997-5919
22 W. Jefferson St., Jefferson, Ohio 44047 ∙ 440-624-2110
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Accessibility: Community First Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 440-997-5919. All products and services available on this website are available at the Community First Credit Union office. This site may be utilized for authorized purposes only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Activity on this site is monitored for security purposes.