First Commerce Credit Union is a full-service financial institution offering a wide range of products and services designed to help you to enhance your financial well-being. When you bank with us, you get a truly personal experience backed by top-quality financial expertise right here in your community.
Credit Cards
Low Rate Credit Card
Offers you a low rate year-round for consumers who carry a balance.
- Low interest rates
- No annual fee
- Use Digital Banking to easily review card activity and make payments
Rewards Credit Card
Make life more rewarding with a First Commerce Rewards Visa credit card!
- Earn 1 point for every $1 you spend
- No annual fee
- Up to 5 years to redeem rewards points
- Redeem points for merchandise, travel, event tickets and more!
Line of Credit
Revolving Line of Credit
Provides flexibility to access additional funds whenever you need them.
- Generous credit limits
- No limit to the number of times you can use and repay funds
- Quick and easy access to money you need
HELOC
Home Equity Lines of Credit
Flexibility to borrow against the equity in your home when you need it without borrowing a lump sum all at once.
- Lines of credit up to 90% of your home's value
Home Equity
Home Equity Loan
A home equity loan allows you to borrow a set amount of money against the value of your home for a fixed period of time.
- Loans up to 100% of your home's value
- Fixed interest rates
- We'll pay your closing costs!*
*First Commerce pays all typical closing costs if loan is not paid off during first three years
Milestone Mortgage
Own your home free and clear sooner! Available for primary residences located in Florida and Georgia.
- Loans up to 70% of your home's value
- Fixed interest rates
- No closing costs (we'll pay them for you)*
*First Commerce pays all typical closing costs if loan is not paid off during first three years
Land Loan
Land Loan
Financing for the perfect piece of land. Available for unimproved property located in Florida or Georgia.
- Any size lot within a recorded subdivision or up to 40 acres outside a subdivision
- Financing up to 90% of appraised value
- Fixed rate option
Personal Loans
Signature Loan
A one-time advance that does not require any collateral. Perfect for larger purchases that you need a little time to pay off.
- Consolidate and pay off debt or cover unexpected expenses
- Amounts up to $40,000
Summer Camp Loan
Summer camps create lasting memories for your children, but they can also create financial stress for families. Help cover the cost of summer camps with First Commerce's Summer Camp Loan. This low-interest alternative to credit cards offers a smart way to manage camp expenses.
- Borrow up to $2,500 with a 9-month term
- Competitive rates: 4.99% APR with autopay (5.24% without)
- No prepayment penalties
Apply today and focus on creating memorable summer experiences for your children instead of worrying about finances.
Vehicle Loans
Auto Loan
See why we are North Florida and South Georgia's premier auto lender! We offer auto financing and refinancing options to get you moving!
- Up to 100% financing (vehicle purchase price including tax, trade, tag and title)
- Competitive low rates
RV, Boat, and Motorcycle Loans
Adventure awaits with an affordable RV, boat or motorcycle loan with First Commerce.
- Financing up to 100% of purchase price (including tax, title and licensing)
- Competitive rates and local service