The high cost of childcare can be a strain on families, and more families face additional costs in the summer months during the school break. As a truly local financial institution, First Commerce continues to develop unique financial solutions to persistent challenges facing families in our communities.

Our new and unique products — First Commerce’s Summer Camp Loan and Summer Camp Savings Club accounts — are designed to help you stress less when paying for summer camps. If you and your family experience large childcare expenses during the summer, one or both of these products may help ease your burden. Here’s why.

The Summer Camp Loan and Summer Camp Savings Club accounts offer market-leading rates and attractive features designed to help families manage summer camp expenses with confidence and ease.

The Summer Camp Loan is the ideal low-interest alternative to credit cards for this summer’s camp expenses. Split these additional expenses into low payments over a 9-month term with automatic payments to help you effortlessly manage summer camp costs. But don’t wait – this offer is good through June 13, 2025.

The Summer Camp Savings Club is a smart way to help parents, grandparents, or others plan ahead for next year’s summer camp expenses. When you open an account, you get the ability to grow your savings at a leading rate. Watch your investment grow and choose from two maturity dates (when your money will be made available in your FCCU checking or savings account) — on either March 1, 2026 OR June 1, 2026. Choosing the earlier date would help you access these funds early for camp registration and deposits. Choosing the June date would help your savings grow longer for expenses in the summer.

As your local financial partner, we’ve been helping North Florida and South Georgia families achieve their goals for 85 years. Our Summer Camp Financial Solutions are designed by people who live and work in your area. Contact us today to learn how we can help make summertime more enjoyable!

For more information and to apply online, visit www.FirstCommerceCU.org/Summer

While you’re checking out our new summer camp products, don’t miss First Commerce’s other products for young people who are starting their financial journey.

Our Sammy Squirrel Kids’ Club savings accounts are designed to teach kids smart money habits to help shape their future and features a bonus match up to their age each birthday month along with other bonuses including rewards for good grades.

It’s also about that time when young people are securing summer jobs. Our free SmartStart Teen Checking accounts are designed to help members ages 13 to 17 build good money habits early. SmartStart features an instant issue debit card, mobile wallet (ApplePay, GooglePay, SamsungPay), free mobile and online banking with powerful money management tools, no overdraft fees, an automatic savings option by rounding up each debit card purchase and depositing into a savings account…and more. To learn more about both products, visit the Checking and Savings pages of our website! Also be sure to check out our FCCU Foundation’s free SmartMoney Online courses for the whole family at Enrich: Financial Wellness.

Meanwhile, First Commerce offers other smart ways to fund what matters most this summer. Explore our flexible competitive options for vacations, home improvements or managing debt. For example, you can take control of your debt or finally achieve that dream home improvement project when you tap into the value of our home using a First Commerce home equity loan or line of credit.

Learn more about our current home equity loan promotion at www.FirstCommerceCU.org/HomeEquity or schedule an appointment with a financial services officer about how we can help you achieve your financial aspirations. That’s The Power of FCCU!