Meet Penny, your virtual assistant!
With Penny on your side, you can count on her to assist with answering simple questions such as balances, routing number, hours, and much more. Penny is the embodiment of technology-driven service excellence. She’s a versatile and intelligent virtual assistant powered by state-of-the-art artificial intelligence and natural language processing. Her primary mission is to provide our members with swift and accurate responses to common queries.
Try Penny out today by calling 850.488.0035 or 1.800.533.5772!

Using Penny is:

Safe & Secure

Fast & Reliable

Personalized Service

Who We Are

Who We Are

Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 80 years of financial expertise.

Manage Money Your Way

Digital & Mobile Banking

Digital & Mobile Banking

Find out what First Commerce’s powerful Digital Banking tools can do for you.

Credit Score Powered by SavvyMoney

Credit Score Powered by SavvyMoney

Monitor your credit score for free through Digital Banking and learn how to build your score or maintain an already great score.

Visa Credit Cards

Visa Credit Cards

Choose our low-interest Visa card, or earn points with our Rewards Visa card to use toward travel, gift cards, cash, and more.

Digital & Mobile Banking

Digital & Mobile Banking

Find out what First Commerce’s powerful Digital Banking tools can do for you.

Credit Score Powered by SavvyMoney

Credit Score Powered by SavvyMoney

Monitor your credit score for free through Digital Banking and learn how to build your score or maintain an already great score.

Visa Credit Cards

Visa Credit Cards

Choose our low-interest Visa card, or earn points with our Rewards Visa card to use toward travel, gift cards, cash, and more.