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First Commerce Credit Union


Overview / Commentary
www.firstcommercecu.org
850-488-0035
2073 Summit Lake Dr Ste 100
Tallahassee, FL 32317

First Commerce Credit Union is headquartered in Tallahassee and is the 25th largest credit union in the state of Florida. It is also the 409th largest credit union in the nation. It was established in 1940 and as of June of 2024, it had grown to 176 employees and 69,115 members at 13 locations. First Commerce Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in First Commerce Credit Union is open to those who live or work in the Florida counties of Baker, Calhoun, Columbia, Dixie, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Liberty, Madison, Suwannee, Taylor, Wakula, Walton, or Washington, or the Georgia counties of Atkinson, Berrien, Brooks, Clinch, Colquitt, Cook, Lanier, Lowndes, Thomas, or Tift. Individuals who live in select Florida and Georgia Counties who join the First Commerce Credit Union Foundation also qualify for membership.
See current membership details

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Reviews (1)

TERRIBLE AND DATED

Posted by: |

First Commerce has a terrible online site. It's ultimately impossible to pay any loan account directly from the account established and much less using another account. Setting up a recurring payment is also close to impossible. There are separate sites for everything and nothing is explicitly clear on the site.

I to had to ask 3 branch representatives on 3 separate occasions attempt to set up a reoccurring payment for a loan with FC.

Thar isn't the worse part, FC is charging me PPI an requesting proof of insurance when proof was required for loan approval. I had to call the insurance and add the bank as a lien holder because the bank was/is incapable of doing so themselves. When I called customer service, they were unable to help AT ALL. Customer service told me to call back the next to hopefully find a loan officer who could help.

I'm socked, bothered, and overall disappointed that I didn't do better research when deciding on a bank to finance my loan.

Please beware.

1


Health
B

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68301
Year Chartered1940
Employees176
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD5.46%
Annual Interest Income$26.6MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$1.11B$1.05B
LoansQ2 2024vs Q2 2023$791MM$739.5MM
DepositsQ2 2024vs Q2 2023$936.5MM$924.1MM
Equity CapitalQ2 2024vs Q2 2023$79.1MM$74MM
Loan Loss AllowanceQ2 2024vs Q2 2023$9.4MM$9.1MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$7.2MM$4.7MM
Real Estate OwnedQ2 2024vs Q2 2023$2.1MM$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not First Commerce Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Commerce Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%*$5$3kEvenUp Savings Account
OTHER TIERS: 0.25% → $3k+
2.00%*$5$1kiSave! Systematic Savings Account
OTHER TIERS: 0.05% → $1k+
1.09%*$500k*-Roth IRA
OTHER TIERS: 0.10% → $50 - $10k | 0.35% → $10k - $25k | 0.50% → $25k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $250k | 1.05% → $250k - $500k
1.09%*$500k*-Traditional IRA
OTHER TIERS: 0.10% → $50 - $10k | 0.35% → $10k - $25k | 0.50% → $25k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $250k | 1.05% → $250k - $500k
1.09%*$500k*-Educational IRA
OTHER TIERS: 0.10% → $50 - $10k | 0.35% → $10k - $25k | 0.50% → $25k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $250k | 1.05% → $250k - $500k
0.60%*$50k*-Savings Account
OTHER TIERS: 0.12% → $5 - $2.5k | 0.18% → $2.5k - $10k | 0.30% → $10k - $25k | 0.45% → $25k - $50k
0.60%*$50k*-Business Savings Account
OTHER TIERS: 0.12% → $5 - $2.5k | 0.18% → $2.5k - $10k | 0.30% → $10k - $25k | 0.45% → $25k - $50k
0.60%*$50k*-Sammy Squirrel Kids' Savings Account
OTHER TIERS: 0.12% → $5 - $2.5k | 0.18% → $2.5k - $10k | 0.30% → $10k - $25k | 0.45% → $25k - $50k
0.15%$5-Holiday Club Account

First Commerce Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.08%*$0$10kPower Move Money Market
OTHER TIERS: 1.12% → $250k+ | 1.49% → $100k - $250k | 2.21% → $50k - $100k | 2.92% → $25k - $50k | 3.84% → $10k - $25k
1.15%*$500k*-iEarn! Money Market Account
OTHER TIERS: 0.15% → $0 - $10k | 0.40% → $10k - $25k | 0.55% → $25k - $50k | 0.80% → $50k - $100k | 1.05% → $100k - $250k | 1.10% → $250k - $500k
1.15%*$500k*-iEarn! 50+ Money Market Account
OTHER TIERS: 0.15% → $0 - $10k | 0.40% → $10k - $25k | 0.55% → $25k - $50k | 0.80% → $50k - $100k | 1.05% → $100k - $250k | 1.10% → $250k - $500k
1.15%*$500k*-Business Power Checking
OTHER TIERS: 0.15% → $0 - $10k | 0.40% → $10k - $25k | 0.55% → $25k - $50k | 0.80% → $50k - $100k | 1.05% → $100k - $250k | 1.10% → $250k - $500k
1.15%*$500k*-Power Checking MM
OTHER TIERS: 0.15% → $0 - $10k | 0.40% → $10k - $25k | 0.55% → $25k - $50k | 0.80% → $50k - $100k | 1.05% → $100k - $250k | 1.10% → $250k - $500k
1.10%*$500k*-Money Market Account
OTHER TIERS: 0.10% → $0 - $10k | 0.35% → $10k - $25k | 0.50% → $25k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $250k | 1.05% → $250k - $500k
1.10%*$500k*-Business Money Market Account
OTHER TIERS: 0.10% → $0 - $10k | 0.35% → $10k - $25k | 0.50% → $25k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $250k | 1.05% → $250k - $500k

First Commerce Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-Power Checking
OTHER TIERS: 0.05% → $2.5k - $5k | 0.10% → $5k - $10k | 0.15% → $10k - $25k
0.15%*$15k*$25kBusiness Community Interest Checking
OTHER TIERS: 0.05% → $2.5k+ | 0.10% → $5k - $15k

First Commerce Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$1k-5 Month CD Special
4.50%$1k-Business 5 Month CD Special
4.50%$1k-11 Month CD Special
4.50%$1k-Business 11 Month CD Special
3.10%$1k-4 Year CD
3.10%$1k-Business 4 Year CD
3.00%$1k-3 Year CD
3.00%$1k-Business 3 Year CD
2.90%$1k-2 Year CD
2.90%$1k-Business 2 Year CD
2.75%$1k-18 Month CD
2.75%$1k-Business 18 Month CD
2.70%$1k-Business 12 Month CD
2.70%$1k-12 Month CD
1.50%$1k-182 Day CD
1.50%$1k-Business 182 Day CD
0.60%$1k-91 Day CD
0.60%$1k-Business 91 Day CD

First Commerce Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$1k-5 Month IRA Special
4.50%$1k-Business 5 Month IRA Special
4.50%$1k-11 Month IRA Special
4.50%$1k-Business 11 Month IRA Special
3.10%$1k-4 Year IRA
3.10%$1k-Business 4 Year IRA
3.00%$1k-3 Year IRA
3.00%$1k-Business 3 Year IRA
2.90%$1k-2 Year IRA
2.90%$1k-Business 2 Year IRA
2.75%$1k-18 Month IRA
2.75%$1k-Business 18 Month IRA
2.70%$1k- 12 Month IRA
2.70%$1k-Business 12 Month IRA
1.50%$1k-182 Day IRA
1.50%$1k-Business 182 Day IRA
Locations

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