Community First Co-operative Credit Union review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Community First Co-operative Credit Union operates as a jointly owned and democratically controlled co-operative rather than a conventional lender. It offers savings, loans and business services for residents of Antigua and Barbuda seeking community rooted finance with digital account management.
Key facts
- Best for
- Members in Antigua pursuing savings and loans
- Loan amount
- up to EC$5,000↗
- Term
- 12 months↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Eligibility
- Adults 18+; non-nationals need temporary residency or a work permit stamped in passport; membership requires 40 permanent shares (E.C. $200.00) plus E.C. $20.00 entrance fee↗
- Loan types
- Personal, Secured, Car, Student, Debt-consolidation, Business, Guarantor↗
- Legal entity
- Community First Co-operative Credit Union Ltd.↗
- Headquarters
- Antigua and Barbuda↗
- Founded
- 1959↗
- Support channels
- Email, Phone, Help-centre↗
- Official website
- cfccuonline.com
Savings
Pros and cons
Pros
- Operates as a member owned co-operative focused on community wellbeing
- Covers personal and business banking alongside savings and loans
- Provides digital account management with bill payment and fund transfers
- Offers in person service points for convenient local banking access
Cons
- Serves a home island market rather than wider markets
Who it suits
- Residents seeking co-operative banking with local access
- Members wanting combined savings, loans and business services
Who should look elsewhere
- Borrowers based beyond the home islands
Safety and regulation
Protection is presented through secure savings accounts and secure handling of everyday account activity. Members manage accounts, settle bills and move funds through guarded digital access from anywhere. Branch and ATM access supports in person service for local needs. Long standing operation since 1959 underpins community trust and personalised support for financial wellbeing. Technology is combined with careful service to keep routine banking straightforward and dependable. Financial calculators and local guidance help members plan with greater confidence.
How Community First Co-operative Credit Union compares
Where Community First Co-operative Credit Union is available
- Available
- Antigua and Barbuda
- Licence in Antigua and Barbuda
- Financial Services Regulatory Commission (FSRC), in collaboration with the Eastern Caribbean Central Bank (ECCB), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What products are offered?+
The range includes flexible savings accounts and loans designed for everyday member needs and long term wellbeing. Personal banking covers checking, savings, investments, deposits and fixed deposits for household needs. Business banking covers checking, savings, payroll processing and thrift fund solutions for organisational needs.
Where is service available?+
Service is focused on the home islands with regional partnerships worldwide. Branches and ATMs provide convenient local access for everyday banking. Digital account management allows members to handle accounts, pay bills and transfer funds securely from anywhere.
How does online access work for members?+
Online tools allow members to look after accounts, handle bill payments and arrange transfers securely from anywhere. A branch and ATM finder helps locate convenient local service points. An easy to use financial calculator supports planning alongside wider product information.
Which company operates Community First Co-operative Credit Union?+
Community First Co-operative Credit Union is operated by Community First Co-operative Credit Union Ltd.. (Source, checked September 26, 2026)
Where is Community First Co-operative Credit Union based?+
Community First Co-operative Credit Union is based in Antigua and Barbuda. (Source, checked September 26, 2026)
When was Community First Co-operative Credit Union founded?+
Community First Co-operative Credit Union was founded in 1959. (Source, checked September 26, 2026)
How can I contact Community First Co-operative Credit Union support?+
Community First Co-operative Credit Union offers support through Email, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- cfccuonline.com/become-a-member checked September 26, 2026
Backs: Eligibility, Lender type
“Special Notes: Non-Nationals require Temporary Residency or a Work Permit which MUST be stamped in your Passport i.e. All Passport Holders other than Antiguans.”
- cfccuonline.com/faq checked September 26, 2026
Backs: Minimum deposit, Support channels
“What are the requirements to open an Adult Account? ... Opening Deposit of E.C.$225.00”
- cfccuonline.com/savings-products checked September 26, 2026
Backs: Account kind, Headline rate, Rate type
“Regular Savings Accounts - Available to members. Receive 2% interest annually.”
- cfccuonline.com/service/loans-products checked September 26, 2026
Backs: Loan amount, Loan types, Maximum loan to value, Purpose, Term
“Revel Rush Carnival Loan - Borrow up to $5,000 EC for Carnival!”
- cfccuonline.com/service/personal-accounts checked September 26, 2026
Backs: Access terms
“Deposits - Funds in this account are always accessible to the member.”
- cfccuonline.com/who-we-are-overview checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Licences
“was established in April 1959 to provide teachers and their families with a reliable financial institution”
Compiled from 6 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: APR, Arrangement fee, Credit check, Funding time, Representative example.
Community First Co-operative Credit Union
Members in Antigua pursuing savings and loans