First Commerce Credit Union

Overview / Commentary
2073 Summit Lake Dr Ste 100
Tallahassee, FL 32317

First Commerce Credit Union is headquartered in Tallahassee and is the 28th largest credit union in the state of Florida. It is also the 487th largest credit union in the nation. It was established in 1940 and as of June of 2019, it had grown to 141 employees and 54,058 members at 13 locations. First Commerce Credit Union's CD rates are 93% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

First Commerce Credit Union of Florida is open to the residents and the people that maintain employment within these eligible counties of Florida: Baker, Calhoun, Columbia, Dixie, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Liberty, Madison, Suwannee, Taylor, Wakula, Walton, and Washington and these counties of Georgia: Lowndes and Thomas as well as the members or clients of the credit union subsidiaries, employees of the participating employer groups that are listed on the credit union website, people that join the First Commerce Credit Union Foundation and the family members of the current credit union members.
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Reviews (2)

The Best Credit Union, EVER!

Posted by: Alz | Apr 11, 2014

I first became a member of the FCCU family when I applied for financing for a car loan through First Commerce. They approved me and gave me a loan that fit my needs perfectly. The interest rate is not too high, the payments are low, it can't get any better. After I became a member in order to receive the loan, I decided to open a savings account with them, too. I love my savings account! It is incredibly easy to transfer money to it and to set up direct deposit with my employer. After I realized how incredible their banking system was, I also opened up a checking account. I have never been this happy with my banking system, EVER!

FCCU Hurts Me, Not Helps Me! :(

Posted by: brandonp4 | Jul 23, 2019

This Credit Union and app are absolutely horrible!!! I'll change this if they ever shape up, they have been very cold to me, and the app will cancel transactions after time, then give you funds back, so you spend it not noticing, and then the company hita again and you overdraft! Absolutely rediculous! They have taken so much money from me through this little 'issue', and will not refund the majority of it. Im having to Lyft and miss time from family to dig out. :( Thank God I can do that!


Health Grade Components

NCUA #68301
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD6.12%
Annual Interest Income$13.2MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$620.2MM$582.6MM
LoansQ2 2019vs Q2 2018$443.8MM$422.1MM
DepositsQ2 2019vs Q2 2018$504.8MM$467.8MM
Equity CapitalQ2 2019vs Q2 2018$72.6MM$67.8MM
Loan Loss AllowanceQ2 2019vs Q2 2018$4.9MM$4.9MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$3.2MM$5.8MM
Real Estate OwnedQ2 2019vs Q2 2018$2.9MM$909.00K
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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.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

First Commerce Credit Union Savings Account Rates

3.04%*$5$3kEvenUp Savings Account
OTHER TIERS: 0.50% $3k+
2.26%*$5$1kiSave! Systematic Savings Account
OTHER TIERS: 0.05% $1k+
0.50%$5-Holiday Club Account
0.40%*$500k*-Roth IRA
OTHER TIERS: 0.05% $50 - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.25% $50k - $100k | 0.30% $100k - $250k | 0.35% $250k - $500k
0.40%*$500k*-Traditional IRA
OTHER TIERS: 0.05% $50 - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.25% $50k - $100k | 0.30% $100k - $250k | 0.35% $250k - $500k
0.40%*$500k*-Educational IRA
OTHER TIERS: 0.05% $50 - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.25% $50k - $100k | 0.30% $100k - $250k | 0.35% $250k - $500k
0.30%*$50k*-Savings Account
OTHER TIERS: 0.06% $5 - $2.5k | 0.08% $2.5k - $10k | 0.15% $10k - $25k | 0.25% $25k - $50k
0.30%*$50k*-Business Savings Account
OTHER TIERS: 0.06% $5 - $2.5k | 0.08% $2.5k - $10k | 0.15% $10k - $25k | 0.25% $25k - $50k

First Commerce Credit Union Money Market Rates

0.65%*$500k*-iEarn! Money Market Account
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k | 0.35% $25k - $50k | 0.45% $50k - $100k | 0.50% $100k - $250k | 0.55% $250k - $500k
0.65%*$500k*-Business iEarn! Money Market
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k | 0.35% $25k - $50k | 0.45% $50k - $100k | 0.50% $100k - $250k | 0.55% $250k - $500k
0.50%*$500k*-Money Market Account
OTHER TIERS: 0.05% Up to $10k | 0.15% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k | 0.40% $100k - $250k | 0.45% $250k - $500k
0.50%*$500k*-Business Money Market Account
OTHER TIERS: 0.05% Up to $10k | 0.15% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k | 0.40% $100k - $250k | 0.45% $250k - $500k

First Commerce Credit Union Checking Account Rates

0.30%*$10k*$25kiEarn!50+ Checking
OTHER TIERS: 0.05% $1k+ | 0.10% $2.5k - $5k | 0.20% $5k - $10k
0.25%*$15k*$25kCommunity Interest Checking
OTHER TIERS: 0.05% $25k+ | 0.10% $2.5k - $5k | 0.15% $5k - $15k
0.20%*$10k*$25kiEarn! Checking
OTHER TIERS: 0.05% $1k+ | 0.10% $2.5k - $10k

First Commerce Credit Union CD Rates

2.00%$1k-2 Year CD
2.00%$1k-3 Year CD
2.00%$1k-4 Year CD
2.00%$1k-Business 2 Year CD
2.00%$1k-Business 3 Year CD
2.00%$1k-Business 4 Year CD
1.74%$1k-Business 12 Month CD
1.74%$1k-18 Month CD
1.74%$1k-Business 18 Month CD
1.74%$1k-12 Month CD
1.24%$1k-182 Day CD
1.24%$1k-Business 182 Day CD
0.25%$1k-91 Day CD
0.25%$1k-Business 91 Day CD

First Commerce Credit Union IRA Rates

2.00%$1k-2 Year IRA
2.00%$1k-4 Year IRA
2.00%$1k-3 Year IRA
1.74%$1k-18 Month IRA
1.74%$1k- 12 Month IRA
1.24%$1k-182 Day IRA


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