Powerful Banking With a Personal Touch

Checking Accounts

Checking Accounts

Enjoy low or no monthly fees, instant-issue debit card, free online and mobile banking, and more.

24/7 Digital Banking

24/7 Digital Banking

Check balances, pay bills, deposit checks, transfer funds, and more, anytime, anywhere.

Home Loans

Home Loans

Buy or refinance the home of your dreams, purchase land to build on, or access your equity for low-cost funds.

Financial Education

Financial Education

Improve your financial know-how and get the skills you need to build a stronger future.

Contact Member Services

Need a quick answer? Penny, our new AI virtual assistant, can help 24/7! Call 850.488.0035 or 1.800.533.5772 and she can answer simple questions such as balances, routing number, hours, and much more.
You can also try our automated digital assistant. Send a text message to 850.617.1614 and our digital assistant will respond right away. Get answers to simple questions about products and services, as well as digital banking features, hours, locations, and more.
If you need more personalized service, you can speak with the Member Services Team. Representatives are available 8:00 a.m. to 6:30 p.m. (ET) Monday through Friday and 9 a.m. to 1 p.m. (EST) Saturday.

Banking Made Easy

Banking Made Easy

When you bank with First Commerce Credit Union, you get a truly personal experience, backed by top-quality financial expertise, right in your local community. We give our members the financial tools they need to achieve their goals, and we’re committed to delivering exceptional service, up-to-date technology, and products that truly fit your needs.

Ready to Take Charge of Your Finances?

Avoid Relationship Scams

Avoid Relationship Scams

Play Avoid Relationship Scams
Remote & Digital Banking

Remote & Digital Banking

Play Remote & Digital Banking
Video Teller Tips

Video Teller Tips

Play Video Teller Tips
Choosing a Checking Account

Choosing a Checking Account

Play Choosing a Checking Account

Member Testimonial

“I have been a member of FCCU since 1990 and have financed three vehicles and one mortgage. I will always be a member of FCCU because they have been good to me.”

Member Testimonial

Better Banking Starts Here

Visit one of our 14 financial centers, call our Contact Center, email us, or schedule an appointment.

The First Commerce Difference

The First Commerce Difference

As a not-for-profit financial institution, First Commerce Credit Union exists to support our members – not shareholders. We’re passionate about improving the communities we serve in Florida and Georgia, and we’re committed to providing financial solutions with better rates, fewer fees, and exceptional local service.

Manage Money Your Way

FCCU Foundation

FCCU Foundation

Learn essential money management skills with our free financial literacy resources.

Credit Cards

Credit Cards

Enjoy low rates and the option to earn rewards on every purchase.

Individual Retirement Accounts

Individual Retirement Accounts

Our IRAs make it easy to start saving for your dream retirement.

FCCU Foundation

FCCU Foundation

Learn essential money management skills with our free financial literacy resources.

Credit Cards

Credit Cards

Enjoy low rates and the option to earn rewards on every purchase.

Individual Retirement Accounts

Individual Retirement Accounts

Our IRAs make it easy to start saving for your dream retirement.


Reach Your Financial Goals

Ransomware Protection Tips

Ransomware Protection Tips

In 2020, ransomware inflicted damages of over $20 billion worldwide according to the Cyber Crime & Security website. Cybercriminals have become increasingly…

Avoid Card Fraud at Gas Pumps

Avoid Card Fraud at Gas Pumps

Just over a year ago, people reported losing more than $1.9 billion to fraud according to the Federal Trade Commission. First Commerce…

Beware of Job Scam Warning Signs

Beware of Job Scam Warning Signs

According to the Better Business Bureau, 14 million people are caught up in unemployment scams every year. To protect yourself from becoming…

Ransomware Protection Tips

Ransomware Protection Tips

In 2020, ransomware inflicted damages of over $20 billion worldwide according to the Cyber Crime & Security website. Cybercriminals have become increasingly…

Avoid Card Fraud at Gas Pumps

Avoid Card Fraud at Gas Pumps

Just over a year ago, people reported losing more than $1.9 billion to fraud according to the Federal Trade Commission. First Commerce…

Beware of Job Scam Warning Signs

Beware of Job Scam Warning Signs

According to the Better Business Bureau, 14 million people are caught up in unemployment scams every year. To protect yourself from becoming…