The Power to Achieve Your Goals
With a First Commerce personal loan, you can pay off high-interest credit cards, pay for unexpected expenses, or use it for other financial needs. Our knowledgeable team is here to help you choose the option that’s right for you.
Enjoy Great Features With Any of Our Personal Loans
Competitive Rates
Fast Approval Decisions
Simple Application Process
Local Service
Explore Our Personal Loan Options
Revolving Line of Credit
Enjoy the flexibility of accessing the funds you need when you need them. Revolving Lines of Credit also can also be used as overdraft protection for your checking account.
- Term – $500–$40,000
- APR – 12.24%–17.99%
- Payment example – $15.00 (Payment per $500 borrowed)
- Legal/disclosures – *$15/$500 or portion thereof borrowed; $20 minimum. Rates are determined based on your credit score.
CD and Savings Secured Loans
Get the funds you need now while your savings or CD continues to grow.
- Term – Up to 10 years, borrow up to 100% of the available balance in your savings account or CDs
- APR – Low fixed rates just 3.0% over the rate you receive on your CD for CD Secured Loans
- Payment example – FPO
- Legal/disclosures – IRA CDs are not eligible for CD Secured Loans.
Signature Loans
Borrow for up to 3 years with just your signature as collateral.
- Term – Up to 3 years, amounts up to $40,000
- APR – 11.24%–17.99%
- Payment example – $32.85–$36.15 (Payment per $1,000 borrowed)
- Legal/disclosures – Rates are determined based on your credit score.
Revolving Line of Credit
Enjoy the flexibility of accessing the funds you need when you need them. Revolving Lines of Credit also can also be used as overdraft protection for your checking account.
- Term – $500–$40,000
- APR – 12.24%–17.99%
- Payment example – $15.00 (Payment per $500 borrowed)
- Legal/disclosures – *$15/$500 or portion thereof borrowed; $20 minimum. Rates are determined based on your credit score.
Signature Loans
Borrow for up to 3 years with just your signature as collateral.
- Term – Up to 3 years, amounts up to $40,000
- APR – 11.24%–17.99%
- Payment example – $32.85–$36.15 (Payment per $1,000 borrowed)
- Legal/disclosures – Rates are determined based on your credit score.
CD and Savings Secured Loans
Get the funds you need now while your savings or CD continues to grow.
- Term – Up to 10 years, borrow up to 100% of the available balance in your savings account or CDs
- APR – Low fixed rates just 3.0% over the rate you receive on your CD for CD Secured Loans
- Payment example – FPO
- Legal/disclosures – IRA CDs are not eligible for CD Secured Loans.
Rates are accurate as of December 24, 2025 and are subject to change without notice.
Signature Loans
Our Signature Loans can be used to cover unexpected expenses, consolidate and pay off debt, and much more! With a fixed term, fixed low rate, and no collateral required, this one-time advance is perfect for larger purchases that you need a little time to pay off.
Revolving Line of Credit
A Revolving Line of Credit gives you the flexibility to access additional funds whenever you need them by simply transferring them to your account. It’s perfect for things like buying a new computer, paying for car repairs, taking a much-needed vacation, protecting against overdraft, and more!
CD or Savings Secured Loan
If you’re looking for a better loan rate, trying to build credit, or working on improving your credit score so you can qualify for better rates in the future, then a CD or Savings Secured Loan from First Commerce is the perfect solution! These options allow you to use your nest egg to secure a low rate for a loan while your CD or savings account continues to earn money.
Member Testimonial
“I have been a member of First Commerce for over 40 years and have found them to be dependable for handling my family member’s finances. They pay special attention to members by remembering our names and coming to our aid.”
Visit a Branch
Apply today or schedule an appointment to speak with a team member in person at a financial center or by phone.
Enhance Your Financial Well-Being
Certificates of Deposit
Lock in higher returns at a fixed rate when you commit to saving for a specific period of time.
Six Pillars Financial Advisors
Schedule time with Six Pillars Financial Advisors, a subsidiary of First Commerce, for free comprehensive financial planning to help you pursue your financial goals.
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!
Certificates of Deposit
Lock in higher returns at a fixed rate when you commit to saving for a specific period of time.
Six Pillars Financial Advisors
Schedule time with Six Pillars Financial Advisors, a subsidiary of First Commerce, for free comprehensive financial planning to help you pursue your financial goals.
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!
Your Financial Partner for Life
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 85 years of financial expertise.
