The Community First Credit Union All Credit Levels is a cdfi lender from Community First Credit Union. The ongoing APR is 11.49 % after a 0% introductory rate for 12 months. Rewards: Community First offers a float-down mortgage option, allowing members to benefit from lower rates if they drop after approval.. This product reports activity to your personal credit report. Community First Credit Union is a not-for-profit cooperative based in Santa Rosa, CA, that provides a range of financial services to its members, including savings accounts, loans, and insurance options. The credit union focuses on supporting the local community by keeping funds within the area and offering modern banking conveniences. Services include: personal loans, auto loans, mortgages, business loans. US Treasury certified CDFI Credit Union in Santa Rosa, CA. Membership required.