Competitive Rates and Sweet Rewards

First Commerce Visa® credit cards give you the power to choose whether you want a lower interest rate or to earn rewards for purchases. Plus, manage and monitor card activity anytime through Digital Banking. iEarn!50+ Checking account holders receive an added benefit of no foreign transaction fees.


Purchasing Power!

No Annual Fee

Emergency Cash or Card Replacement

Zero Liability Protection

Roadside Dispatch

Travel Assistance

Local Support and Service

Low Interest Rate Credit Cards

Low Interest Rate Credit Cards

Whether you’re looking for something new, tired of paying high interest rates on your current credit card, or just wish you could discuss your accounts with someone in person, the First Commerce Low Interest Rate Visa credit card is for you!

Rewards Credit Card

Make life more rewarding with a First Commerce Rewards Visa credit card! Earn points toward travel, gift cards, cash, and other great rewards with every purchase you make.

Rewards Credit Card

Activate or Report a Lost Card

To activate your new card, call us at 1.800.992.3808. If your card is misplaced or stolen, we’re here to help. Call us at 1.800.533.5772.

Member Testimonial

Member Testimonial

“When I call other places, I feel the representatives are in a hurry to get me off the phone, but your team members were patient while assisting me and stayed on the phone to make sure my card was working so I would not have to call again.”

Getting Started Is Easy

Fill out our easy online application to get qualified.

Explore Our Other Lending Solutions

Build Financial Wellness

Build Financial Wellness

The FCCU Foundation offers free online financial education modules to help you build your own road map to financial wellness.

Digital & Mobile Banking

Digital & Mobile Banking

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

Explore Our Checking Accounts

Explore Our Checking Accounts

Try our Account Chooser to find the perfect account for you.

Build Financial Wellness

Build Financial Wellness

The FCCU Foundation offers free online financial education modules to help you build your own road map to financial wellness.

Digital & Mobile Banking

Digital & Mobile Banking

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

Explore Our Checking Accounts

Explore Our Checking Accounts

Try our Account Chooser to find the perfect account for you.

Your Financial Partner for Life

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.