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First Commerce

PO Box 6416, Tallahassee, FL 32314
NCUA Insured3.1 (86 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1940

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 6416

Tallahassee, FL 32314

Service Area

This credit union is located in Tallahassee and serves members in the FL area. Currently serving 72,472 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.99%

Used Auto Loan

8.24%

Personal Loan

15.90%

Credit Card APR

13.24%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(13 total)

Member Reviews

3.1

86 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Maria

Maria

3 months ago

Genuinely the best banking experience I’ve ever had. I started my first CD through this bank when I was 16, haven’t left since. They’ve been incredible with helping me with several vehicle loans, and are always easy to talk to. I highly encourage this location over the others aswell.

Deven Peddie

Deven Peddie

6 months ago

Repossessed a friend's car after hours outside a fair. Leaving us stranded and no one to call and get information. Super scummy business practices. Terrible customer service.

Raegan

Raegan

a year ago

Update: They claim to have a stress free Cardless ATM system. Yea right!!! Online says to enter your account number but when you get to the atm, the only option is your Phone Number, SSN, then the code they send to your phone. SOMEHOW none of my information works!!! I've been banking with this company for a decade & have had my number even longer BUT THE SYSTEM CANT FIND ME WITH MY CREDENTIALS!!! This whole bank just needs to go out of business or rethink their strategies cause this is just ridiculous! There's nothing about this bank that I can say that I like other than the conveinant location. This credit union is a joke! I've been with this company for YEARS & they don't offer any help when it comes to their members. Even if you're a member that RARELY contacts them, they still could care less about your loyalty. No one within the office can assist you past general questions. I've called a few times to get help and get told new things each time. This is a money hungry company. You either get charged $33 as a "courtesy" or get charged $33 for having ach payments. You also can only get help with charge backs once a year unless it's a "bank error". It doesn't even matter if the merchant refunds you your money. You still have to pay $33 per transaction for being a FCCU member. Also!!! The ialerts never works. You check your account to see so many "courtesy" payments. I've decided to cancel my membership and move on to a better credit union that actually values their members.

Royalty

Royalty

5 years ago

I used to love First Commerce but as of recently, the service there has not been good at all. I came in trying to cash a check & the teller & manager Don gave me such a hard time. They were trying to place a 7 day hold on my check even though the system didn’t recommend a hold. The manager Don basically told me even though he has seen checks like the one I presented before, that he was still going to place a hold on it. When I talked with customer service they stated that it’s the managers discretion & he chose to place a hold on it, simply because he can. He told me no right off the bat & I had to ask him to call & verify it with the maker because it’s a good check & he knew it was a good check because he stated that he’s seen them before! I wonder if l was white if it would’ve been a different story. My account was in great standing & had over $2K combined. You would think that after banking with someone for almost 10 years that you would get better service than that. I waited almost 30 minutes for nothing. No sorry for the inconvenience or anything! Not to mention, every time I go to the atm on the weekend, it’s not taking deposits! Pull your atm deposits people! Do better First Commerce! Highly disappointed!!!

ryan kasak

ryan kasak

6 years ago

First Commerce is a great bank to be a part of. They have always been very helpful for me and I appreciate being able to see Vincent for my teller needs. He is always a great help as well as the other members in the bank. I enjoy how It is a credit union vs a standard bank because I feel like they give back to us more!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).