Online Banking

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Loans & Credit


When it’s time to find the home of your dreams, you can count on Community First to help you finance it. Whether it’s a country home with acreage, a ranch style near Rend Lake, or a historic fixer-upper, our mortgage experts will find the best rates and terms to fit your budget. Let us help you with all your mortgage needs!

  • Low, competitive rates for home purchase, refinance, or construction
  • Terms to fit your budget and needs
  • Pre-approval for better buying power
  • Refinance your current mortgage and save
  • No pre-payment penalties
  • Experienced personal service
  • Loan decisions made by lenders you trust

Financing Options

Fixed-Rate Mortgages

  • USDA Rural Development- Up to 100% financing available
  • Conventional Financing

Adjustable Rate Mortgages (ARM)

Construction Loans

Land Only Loans

Get Started


We make it easy with some of the most competitive rates in Jefferson County and a variety of terms. Decisions are made quickly and handled by local lending professionals that you know and trust.

  • Use your home equity as collateral
  • Use the equity in your home for a variety of purposes
  • Competitive interest rates
  • Flexible terms and affordable payments
  • Local decision-making
  • Interest may be tax deductible*

*Ask a tax advisor

Get Started


Think of all the things you would do if you could afford them… now, let Community First put the money right in your pocket with an easy-to-apply-for personal loan! We promise you competitive rates, and we’ll work to secure the most affordable payment options for you. You can rely on your community bank for personal service and quick local decisions.

  • Get funding for almost anything
  • Consolidate debt, buy a computer, take a vacation, and more
  • Competitive low rates
  • Affordable monthly payments
  • Easy application process
  • Fast approvals made right here in Jefferson County
  • Experienced, friendly personnel

Get Started


Is it time to upgrade to a new car or truck? Maybe you’d like a sweet ride to show off during Fall Fest. Whatever your needs, come to Community First Bank and let our lending experts personalize a loan for you. Shop with confidence with quick pre-approval, competitive rates, and affordable payment options. The application process is easy, and decisions are made right here in Jefferson County.

  • Buy new, used, or classic vehicles
  • Recreational vehicle loans also available
  • Competitive rates
  • Flexible terms with low monthly payments
  • Fast, easy approvals
  • Pre-approvals for better buying power
  • Local decisions by lenders you trust
  • Personalized service to meet your budget

Get Started


Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you’ll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

Apply NOW

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.