PO BOX 6416
Tallahassee, FL 32314
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.08% 0.95% →
1-Year CD 0.60% 1.01% →
2-Year CD 1.00% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

First Commerce is an NCUA insured institution located in Tallahassee, FL. It was founded in 1940 and has approximately $627.67 millions in assets.

Who can join?

You can if you live or work in Leon, Wakulla, Jefferson, Jackson, Gadsden, Liberty, Madison, Taylor, Calhoun, Washington, Walton, Holmes county, Florida or Lowndes,Thomas county, Georgia.

Or if a member of your immediate family is currently an account holder.

NCUA Insured Yes
Charter Number # # 68301
Date Established 1940
Assets $627.67 million
Loans $432.18 million
Deposits $534.40 million
Capital $75.21 million

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.

Deposit Rates - October 21, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.08% $2,500 $9,999 Learn More
Money Market
0.03% $2,500 $9,999 Learn More
Money Market
0.10% $10,000 $24,999 Learn More
Money Market
0.25% $25,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.50% $1,000 - Learn More
12 Mo CD
0.60% $1,000 - Learn More
18 Mo CD
0.60% $1,000 - Learn More
24 Mo CD
1.00% $1,000 - Learn More
36 Mo CD
1.25% $1,000 - Learn More
48 Mo CD
1.50% $1,000 - Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $9,999 Learn MoreShow Less

Loan Rates - October 21, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FIRST COMMERCE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.570% 2.500% 0.88 $2,324 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
NMLS ID: 2890
License#: MC-3098
2.569% 2.500% 0.88 $2,258 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are First Commerce branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

First Commerce Locations

Financial Details

First Commerce Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Commerce. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
First Commerce U.S. Average
5.88% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, First Commerce had $2,760,062 in non-current loans and $1,964,273 in owned assets. To cover these potential losses it had $75,211,072 in net worth and $5,111,911 in loans loss reserves. That gives it a Texas Ratio of 5.88%.

Net Worth
First Commerce U.S. Average
11.98% 13.61%

First Commerce FCU has a net worth of 11.98% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About First Commerce

Branches and Savings

What is First Commerce?

A federal credit union, registered with the NCUA under certificate #68301.
Learn more about credit unions here.

Is First Commerce FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join First Commerce?

Please see Field of Membership information above for information on who is eligible to join.

What are First Commerce's share account and share certificate rates?

First Commerce's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is First Commerce?

First Commerce has total capital of $75.21 million. Full information on First Commerce's financial position is located above.

Who owns First Commerce?

Credit Unions are owned by their members.

Where are First Commerce branches located?

See branch locations nearby.

Are First Commerce ATMs Open 24/7?

Do First Commerce ATMs accept cash deposits?

Can First Commerce customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does First Commerce have a mobile app?

Does First Commerce have mobile deposit?

Does First Commerce have quick pay?

How can First Commerce transfer money to other banks or credit unions?

Does First Commerce report to credit bureaus?

Does First Commerce use Chexsystems?

Does First Commerce use Equifax?

What is First Commerce's toll free phone number?

What is First Commerce's ACH Routing Number?

What is First Commerce's SWIFT code?

Where can I find First Commerce's wire transfer form?

What is the First Commerce address for deposits?

What Products Does First Commerce Offer

Does First Commerce offer mortgages?

Compare mortgage rates here.

Does First Commerce offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Commerce offer auto and RV loans?

Compare auto loan rates here.

Does First Commerce offer student loans or personal loans?

Compare personal loan rates here.

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