First Commerce Credit Union


Overview / Commentary
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 416th largest credit union in the nation. It was established in 1940 and as of March of 2024, it had grown to 191 employees and 67,713 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

Reviews (2)

The Best Credit Union, EVER!

Posted by: |

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: |

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

Health Grade Components

Overall
NCUA #68301
Year Chartered1940
Employees191
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD5.59%
Annual Interest Income$13.2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.09B$1.06B
LoansQ1 2024vs Q1 2023$767.6MM$728.8MM
DepositsQ1 2024vs Q1 2023$918.5MM$931.9MM
Equity CapitalQ1 2024vs Q1 2023$78.3MM$74.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$9.5MM$9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$7.6MM$2.8MM
Real Estate OwnedQ1 2024vs Q1 2023$0$93K
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
5.00%$1k-5 Month CD Special
5.00%$1k-Business 5 Month CD Special
5.00%$1k-15 Month CD Special
5.00%$1k-Business 15 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
5.00%$1k-5 Month IRA Special
5.00%$1k-Business 5 Month IRA Special
5.00%$1k-15 Month IRA Special
5.00%$1k-Business 15 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

Availability

Tallahassee Area

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