Experience the Difference
Credit unions are full-service, not-for-profit financial institutions that serve specific geographic regions, workforces, or groups. They are owned by their customers (known as members) and operate solely for the benefit of their members, not stockholders. As a member-owned cooperative, credit unions are often able to offer lower rates, as well as competitive products, services, and perks.
What Makes Us Great
Member Owned, Member Driven
Support for Our Communities
Focus on Financial Well-Being
Local, Personalized Service
Credit Unions and Banks
Credit unions and banks are similar in many ways. Both accept deposits, offer loans and additional financial services, and are secure, federally insured places to keep funds. There are also some key differences that make credit unions stand out.
Traditional Banks
For-profit
Sales focused
Serve stockholders
Credit Union Difference
Not-for-profit
Service focused
Serve membership
We’re Making History
Credit unions have been serving communities across the country for more than a century – the first one in the United States was founded in 1908. Credit unions were founded on the simple idea that people could achieve a better standard of living by pooling their savings for the collective benefit of themselves and their communities.
Committed to Our Communities
Credit unions operate under a common philosophy of people helping people – individuals who share a passion for supporting their communities. Credit unions provide financial wellness resources, help local businesses grow, and are committed to helping members build their savings, invest in their futures, pursue their financial goals, and much more.
Member Testimonial
“I have been a member at First Commerce Credit Union since 1996. I must compliment your employee who went above and beyond the call of duty more so than any customer service representative I have ever experienced. She was very professional, friendly, and patient.”
Ready to Experience the Credit Union Difference?
Visit our Become a Member page, stop by any of our locations, or call us to learn more about membership.
Discover More Possibilities
About Us
Learn more about First Commerce Credit Union, your local financial partner for life.
Our Leadership Team
Meet the team that’s dedicated to providing outstanding local services to our North Florida and South Georgia communities.
Explore Our Checking Accounts
Check out our checking accounts packed with powerful perks!
About Us
Learn more about First Commerce Credit Union, your local financial partner for life.
Our Leadership Team
Meet the team that’s dedicated to providing outstanding local services to our North Florida and South Georgia communities.
Explore Our Checking Accounts
Check out our checking accounts packed with powerful perks!
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 80 years of financial expertise.
