Advertising Disclosure
  1. Home
  2. Banks
  3. First Commerce Credit Union

First Commerce Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 417th largest credit union in the nation. It was established in 1940 and as of December of 2024, it had grown to 182 employees and 69,573 members at 13 locations. First Commerce Credit Union's CD rates are 5X the national average, and it has an A 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

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
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68301
Year Chartered1940
Employees182
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD6.17%
Annual Interest Income$54.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.1B$1.07B
LoansQ4 2024vs Q4 2023$828.7MM$750.9MM
DepositsQ4 2024vs Q4 2023$976MM$905MM
Equity CapitalQ4 2024vs Q4 2023$82.4MM$77.4MM
Loan Loss AllowanceQ4 2024vs Q4 2023$9.6MM$9.2MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$6.4MM$9.6MM
Real Estate OwnedQ4 2024vs Q4 2023$28K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
Skip to rates for:
Report an Issue

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+
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
4.15%$1k-12 Month CD Special
4.15%$1k-Business 12 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
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
4.15%$1k-12 Month IRA Special
4.15%$1k-Business 12 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
1.50%$1k-182 Day IRA
1.50%$1k-Business 182 Day IRA
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
Locations

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.