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 25th largest credit union in the state of Florida. It is also the 419th largest credit union in the nation. It was established in 1940 and as of December of 2023, it had grown to 195 employees and 64,572 members at 14 locations. First Commerce Credit Union 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 Grade Components

NCUA #68301
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD7.61%
Annual Interest Income$45.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.07B$1.01B
LoansQ4 2023vs Q4 2022$750.9MM$727MM
DepositsQ4 2023vs Q4 2022$905MM$910.5MM
Equity CapitalQ4 2023vs Q4 2022$77.4MM$71.3MM
Loan Loss AllowanceQ4 2023vs Q4 2022$9.2MM$9.2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$9.6MM$4MM
Real Estate OwnedQ4 2023vs Q4 2022$0$12K

Rates for First Commerce Credit Union are currently being reviewed.



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