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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First Commerce Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 26, 2026
First Commerce Credit Union's savings rates are at 0.00%. First Commerce Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of First Commerce Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.91%. Rates were last updated on 03/26/2026. First Commerce Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Commerce Credit Union? Share your experience about First Commerce Credit Union by leaving a review below, or read customer reviews before you decide to use First Commerce Credit Union. First Commerce Credit Union
Ronald W Fye Administrative Facility 2073 Summit Lake Dr Ste 100
https://www.firstcommercecu.org Tallahassee, FL 32317 
First Commerce Credit Union Savings Rates
First Commerce Credit Union Checking Rates
First Commerce Credit Union Home Equity & HELOC
First Commerce Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Commerce Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather First Commerce Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Commerce Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Commerce Credit Union
Website
https://www.firstcommercecu.org
Address
2073 Summit Lake Dr Ste 100,
Tallahassee, FL 32317
Phone
850-488-0035
Fax
850-921-2061
President
Alan Neubauer
CEO
Cecilia Homison
Full-Time Employees
196
Part-Time Employees
10
Branch Locations
14
ATM Locations
14
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.91%
Return on Assets (ROA)
0.3912%
Return on Equity (ROE)
3.7629%
Non-Performing Loans Ratio (NPL)
0.66%
Total Assets
1,149,967,833
Total Amount of Shares and Deposits
986,704,567
Total Shares and Deposits < 1 Year
951,915,605
Total Shares and Deposits 1 3 Years
34,136,983
Total Shares and Deposits > 3 Years
651,977
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
110,688,116
Total Uninsured Shares and Deposits > $250K (F+J)
110,688,116
Total Insured Shares and Deposits > $250K (item 17 less item K)
876,016,451
Total Interest Expense (Sum of items 6 8)
15,499,609
Share Certificates
7,257
Number of Accounts for Share Drafts
41,882
IRA KEOGH Accounts
1,939
Number of Accounts for Regular Shares
93,941
Money Market Shares
1,674
Net Income (unless the amount is already included in Undivided Earnings)
4,498,493
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
53,172,856
Total Liabilities
1,058,181,787
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Commerce Credit UnionIs First Commerce Credit Union a safe place to deposit money?Yes, First Commerce Credit Union is considered a safe financial institution. With a Texas Ratio of 4.9050413745223%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does First Commerce Credit Union operate?First Commerce Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join First Commerce Credit Union?Yes, to access services at First Commerce Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, First Commerce Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Commerce Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Commerce Credit Union offer online and mobile banking?Most modern institutions like First Commerce Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstcommercecu.org. Current First Commerce Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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