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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 420th largest credit union in the nation. It was established in 1940 and as of December of 2021, it had grown to 205 employees and 66,573 members at 15 locations. First Commerce Credit Union 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

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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!

4

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!

1


Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #68301
Year Chartered1940
Employees205
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD8.95%
Annual Interest Income$29.9MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$972.7MM$919.4MM
LoansQ4 2021vs Q4 2020$654.3MM$602.7MM
DepositsQ4 2021vs Q4 2020$858.0MM$822.5MM
Equity CapitalQ4 2021vs Q4 2020$83.2MM$78.2MM
Secondary CapitalQ4 2021vs Q4 2020$15.0MM
Loan Loss AllowanceQ4 2021vs Q4 2020$6.4MM$7.3MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$2.6MM$4.3MM
Real Estate OwnedQ4 2021vs Q4 2020$101.00K$1.7MM
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.

† 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.51%*$5$3kEvenUp Savings Account
OTHER TIERS: 0.25% → $3k+
2.00%*$5$1kiSave! Systematic Savings Account
OTHER TIERS: 0.05% → $1k+
0.35%*$500k*-Roth IRA
OTHER TIERS: 0.05% → $50 - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k | 0.25% → $100k - $250k | 0.30% → $250k - $500k
0.35%*$500k*-Traditional IRA
OTHER TIERS: 0.05% → $50 - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k | 0.25% → $100k - $250k | 0.30% → $250k - $500k
0.35%*$500k*-Educational IRA
OTHER TIERS: 0.05% → $50 - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k | 0.25% → $100k - $250k | 0.30% → $250k - $500k
0.35%*$500k*-Business Traditional IRA
OTHER TIERS: 0.05% → $50 - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k | 0.25% → $100k - $250k | 0.30% → $250k - $500k
0.35%*$500k*-Business Roth IRA
OTHER TIERS: 0.05% → $50 - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k | 0.25% → $100k - $250k | 0.30% → $250k - $500k
0.35%*$500k*-Business Educational IRA
OTHER TIERS: 0.05% → $50 - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k | 0.25% → $100k - $250k | 0.30% → $250k - $500k
0.15%*$50k*-Savings Account
OTHER TIERS: 0.02% → $5 - $2.5k | 0.03% → $2.5k - $10k | 0.04% → $10k - $25k | 0.10% → $25k - $50k
0.15%*$50k*-Business Savings Account
OTHER TIERS: 0.02% → $5 - $2.5k | 0.03% → $2.5k - $10k | 0.04% → $10k - $25k | 0.10% → $25k - $50k
0.15%*$50k*-Sammy Squirrel Kids' Savings Account
OTHER TIERS: 0.02% → $5 - $2.5k | 0.03% → $2.5k - $10k | 0.04% → $10k - $25k | 0.10% → $25k - $50k
0.05%$5-Holiday Club Account

First Commerce Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$500k*-iEarn! Money Market Account
OTHER TIERS: 0.05% → Up to $10k | 0.10% → $10k - $25k | 0.25% → $25k - $50k | 0.30% → $50k - $100k | 0.35% → $100k - $250k | 0.40% → $250k - $500k
0.30%*$500k*-Money Market Account
OTHER TIERS: 0.03% → Up to $10k | 0.05% → $10k - $25k | 0.10% → $25k - $50k | 0.15% → $50k - $100k | 0.20% → $100k - $250k | 0.25% → $250k - $500k
0.30%*$500k*-Business Money Market Account
OTHER TIERS: 0.03% → Up to $10k | 0.05% → $10k - $25k | 0.10% → $25k - $50k | 0.15% → $50k - $100k | 0.20% → $100k - $250k | 0.25% → $250k - $500k

First Commerce Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$10k*$25kiEarn!50+ Checking
OTHER TIERS: 0.03% → $1k - $2.5k | 0.05% → $2.5k+ | 0.10% → $5k - $10k
0.10%*$10k*$25kiEarn! Checking
OTHER TIERS: 0.03% → $1k - $2.5k | 0.05% → $2.5k+
0.10%*†$15k*$25kCommunity Interest Checking
OTHER TIERS: 0.03% → $2.5k - $5k | 0.05% → $5k+

First Commerce Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%†$1k-Business 4 Year CD
1.10%†$1k-4 Year CD
1.00%†$1k-3 Year CD
1.00%†$1k-Business 3 Year CD
0.90%†$1k-2 Year CD
0.90%†$1k-Business 2 Year CD
0.80%†$1k-18 Month CD
0.80%†$1k-Business 18 Month CD
0.75%†$1k-Business 12 Month CD
0.75%†$1k-12 Month CD
0.45%†$1k-182 Day CD
0.45%†$1k-Business 182 Day CD
0.20%†$1k-91 Day CD
0.20%†$1k-Business 91 Day CD

First Commerce Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%†$1k-Business 4 Year IRA
1.10%†$1k-4 Year IRA
1.00%†$1k-3 Year IRA
1.00%†$1k-Business 3 Year IRA
0.90%†$1k-2 Year IRA
0.90%†$1k-Business 2 Year IRA
0.80%†$1k-18 Month IRA
0.80%†$1k-Business 18 Month IRA
0.75%†$1k- 12 Month IRA
0.75%†$1k-Business 12 Month IRA
0.45%†$1k-182 Day IRA
0.45%†$1k-Business 182 Day IRA
Locations

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