First Commerce Credit Union

Headquarters

Po Box 6416
Tallahassee, FL 32314
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.08% 3.05% →
1-Year CD 0.60% 3.30% →
2-Year CD 1.00% 3.56% →
5-Year CD N.A. 3.75% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

First Commerce is an NCUA insured institution located in Tallahassee, FL. It was founded in 1940 and has approximately $988.79 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 / State-Chartered
Charter Number # # 68301
Date Established 1940
Assets $988.79 million
Loans $662.14 million
Deposits $877.88 million
Capital $101.81 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 - September 24, 2022

Your Current Location: Washington, WA 98101

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
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 - September 24, 2022

Your Current Location: Washington, WA 98101

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 - Washington 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Northpointe Bank
NMLS ID: 447490
6.466% 6.375% 1.00 $2,395 $1,560 Learn More
Morty, Inc.
NMLS ID: 1429243
6.055% 5.990% 0.75 $1,758 $1,498 Learn More
First Internet Bank
NMLS ID: 424182
6.564% 6.500% 0.63 $1,668 $1,581 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
6.254% 6.125% 1.00 $3,452 $1,520 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
3.240 %
After Intro: 6.890 %
Intro Period: 6 months
$0 Learn More
More Info

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


 

Branches

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:
Seattle,Washington


First Commerce Locations



Climate Initiatives

FIRST COMMERCE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
14.22% 4.75

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 31, 2022, First Commerce had $15,029,679 in non-current loans and $253,778 in owned assets. To cover these potential losses it had $101,805,972 in net worth and $5,652,962 in loans loss reserves. That gives it a Texas Ratio of 14.22%.

Net Worth
First Commerce U.S. Average
10.3% 12.28%

First Commerce FCU has a net worth of 10.3% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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