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  2. First Commerce Credit Union

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 27th largest credit union in the state of Florida. It is also the 477th largest credit union in the nation. It was established in 1940 and as of March of 2019, it had grown to 147 employees and 53,429 members at 13 locations. First Commerce Credit Union's CD rates are 3X 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 (1)

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!

4


Health
A

Data as of Q1 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #68301
Year Chartered1940
Employees147
Primary Regulator
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD5.64%
Annual Interest Income$6.5MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$633.0MM$584.1MM
LoansQ1 2019vs Q1 2018$436.7MM$405.2MM
DepositsQ1 2019vs Q1 2018$520.2MM$447.7MM
Equity CapitalQ1 2019vs Q1 2018$71.0MM$66.9MM
Loan Loss AllowanceQ1 2019vs Q1 2018$4.9MM$5.2MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$2.7MM$6.6MM
Real Estate OwnedQ1 2019vs Q1 2018$2.8MM$863.00K
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
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
0.45%*$50k*-Savings Account
OTHER TIERS: 0.10% → $5 - $2.5k | 0.18% → $2.5k - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $50k
0.45%*$50k*-Business Savings Account
OTHER TIERS: 0.10% → $5 - $2.5k | 0.18% → $2.5k - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $50k
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
0.40%*$500k*-Business 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*-Business 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*-Business 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

First Commerce Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$1k-4 Year CD
2.75%$1k-Business 4 Year CD
2.70%$1k-3 Year CD
2.70%$1k-Business 3 Year CD
2.40%$1k-2 Year CD
2.40%$1k-Business 2 Year CD
2.30%$1k-18 Month CD
2.30%$1k-Business 18 Month CD
2.25%$1k-Business 12 Month CD
2.25%$1k-12 Month CD
1.25%$1k-182 Day CD
1.25%$1k-Business 182 Day CD
0.25%$1k-91 Day CD
0.25%$1k-Business 91 Day CD

First Commerce Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$1k-4 Year IRA
2.70%$1k-3 Year IRA
2.40%$1k-2 Year IRA
2.30%$1k-18 Month IRA
2.25%$1k- 12 Month IRA
1.25%$1k-182 Day IRA
Locations

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