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
  • Federal Housing Administration (FHA)
  • Veterans Affairs (VA)

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


Community First Bank offers a variety of cards for a variety of lifestyles! Whether you’re looking for a basic card, one that earns rewards, or one that helps you build a solid credit history, you will find it here! All our cards combine great rates with the security and worldwide purchasing power of Visa® and American Express®.

  • Make purchases anytime, anywhere
  • Accepted worldwide for goods and services
  • Low to no annual fees
  • Easily replaced if lost or stolen

Apply NOW