Credit Scores and Reports
Your credit score is a rating of your creditworthiness, or basically how risky it is to lend you money. When you apply for a loan or a credit card, your credit score is one of the things a lender will consider in deciding whether to approve your loan request and the interest rate you qualify for. Because First Commerce is a local lender, you’re more than just a number to us. We take into consideration other factors like your personal situation.
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Learn how to create a budget, manage debt, and build healthy financial habits through the FCCU Foundation. Free online financial education modules and topics to help build your future.
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Credit Scores and Reports FAQs
- Scores represent your financial history and range from 300 to 850.
- Having a higher score means better financial options for you.
- Includes personal identifying information, account information, recent credit inquiries, and any negative items.
- There are three major credit reporting agencies in the United States: Equifax, Experian, and TransUnion.
- You can get a free annual credit report from all three agencies at AnnualCreditReport.com.
- Watch this video to learn more about credit reports.
Member Testimonial
“My old bank didn’t give us the time of day because we didn’t have the right credit score. First Commerce was quick and convenient, and they are professional, knowledgeable, and very nice. Thank you!”
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Monitor and manage your credit score for free in Digital Banking with Credit Score powered by SavvyMoney.
Guidance & Advice
Identity Theft Protection
Learn the best ways to minimize risk and protect your information, with support from fraud specialists and more.
Build Financial Wellness
The FCCU Foundation offers free online financial education modules to help you build your own road map to financial wellness.
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.
Identity Theft Protection
Learn the best ways to minimize risk and protect your information, with support from fraud specialists and more.
Build Financial Wellness
The FCCU Foundation offers free online financial education modules to help you build your own road map to financial wellness.
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.
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.
APR = Annual Percentage Rate; APY = Annual Percentage Yield
Six Pillars Financial Advisors products and services are not federally insured; are not obligations of or guaranteed by First Commerce Credit Union; involve investment risk; and may be offered by a dual employee who accepts deposits on behalf of First Commerce Credit Union and also sells non-deposit investment products on behalf of Six Pillars Financial Advisors.
