Summer Fun Without the Financial Crunch
Our smart financial solutions help you cover the cost of summer camps with confidence
Big Summer Fun Starts Here
At First Commerce, we understand that school breaks, from summer to fall and beyond, offer unique opportunities for your children to create lasting memories. However, kids camps and programs can also lead to financial stress for families. As part of our commitment to financial wellness, we’ve developed specialized solutions to help you manage the costs of activities throughout the year with confidence and ease.
Summer Camp Loan
This low-interest alternative to credit cards can help cover the cost of this summer’s fun with a market-leading rate. Available for FCCU members who have at least 3 months of membership, and new members who open a youth Sammy Squirrel Savings account or SmartStart Teen Checking account.
- Borrow up to $2,500
- 4.99% APR with auto-pay | 5.24% without
- Make payments over a manageable 9-month term
Summer Camp Savings Club
With the ability to earn higher interest rates, the Summer Camp Savings Club is a smart way to plan ahead for next summer’s adventures.
- Earn 2.5% APY* on balances up to $3,000
- 0.25% on amounts above $3,000
- Choose from two maturity dates – March 1, 2026: Access funds early for camp registration and deposits OR June 1, 2026: Allow your savings to grow longer for summer expenses.
Explore Options for School Break Activities
Looking for a Camp During Your Child's School Break? Explore Options to Help You Plan.
Families often need assistance with childcare, and even brief school breaks can present challenges. To help, we’ve gathered a list of local camps and programs for the North Florida and South Georgia community, giving families a variety of options as school breaks approach.
Blog: Our Unique Summer Camp Loan and Savings Account Could Be Right for Your Family.
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.
Looking for a Camp During Your Child's School Break? Explore Options to Help You Plan.
Families often need assistance with childcare, and even brief school breaks can present challenges. To help, we’ve gathered a list of local camps and programs for the North Florida and South Georgia community, giving families a variety of options as school breaks approach.
Blog: Our Unique Summer Camp Loan and Savings Account Could Be Right for Your Family.
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.
Trusted Local Support for 85 Years
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 community and understand the importance of both financial wellness and creating meaningful experiences for your children. Contact us today to learn how we can help make your summertime special!
Explore Our Youth Financial Products
Sammy Squirrel Kids’ Club Savings Account
Designed for newborns through age 12, our free Sammy Squirrel Kids’ Club Savings Account teaches kids smart money habits and helps you save for their future. Teach your child how to “squirrel away” money the fun way!
SmartStart Teen Checking Account
Start your financial future off on the right foot with SmartStart Teen Checking. This account is designed to help members ages 13-17 build good money habits early, to ensure their financial journey is a success from the start.
Coverdell Education Savings Account (ESA)
We’re here to help you reach your education goals, from kindergarten all the way through college or trade school. You can use an Education Savings Account (ESA) to save for any qualified education expenses.
Sammy Squirrel Kids’ Club Savings Account
Designed for newborns through age 12, our free Sammy Squirrel Kids’ Club Savings Account teaches kids smart money habits and helps you save for their future. Teach your child how to “squirrel away” money the fun way!
SmartStart Teen Checking Account
Start your financial future off on the right foot with SmartStart Teen Checking. This account is designed to help members ages 13-17 build good money habits early, to ensure their financial journey is a success from the start.
Coverdell Education Savings Account (ESA)
We’re here to help you reach your education goals, from kindergarten all the way through college or trade school. You can use an Education Savings Account (ESA) to save for any qualified education expenses.
Building Financial Literacy for a Successful Future
Evaluating Summer Day Camps for Kids
If you’re going to work or take classes during the summer then your kids are going to need something to do. Summer day camps will fill those gaps, but keeping your kids entertained on a budget takes careful planning.
5 Ways Parents Can Teach Their Kids About Financial Literacy
If you believe in the adage, “We are all products of our environment,” then it should come as little surprise that recent studies have found an immediate correlation between parental teaching of money management and their children’s financial outcomes.
How Students Can Start Planning a Financially Secure Future
Creating good financial habits early on in life can be beneficial and set you up for a financially secure future. For example, saving for retirement earlier rather than later can set you up for a financially well retirement.
Budget-Friendly Summer Activities for All Ages
Whether you’re a parent looking for fun activities to do with your kids or just someone looking for cheap things to do during the summer, we’ve got you covered in this article.
5 Tips for Having a Fabulous and Financially Fit Summer Vacation
Whether you’re a student, a single working professional, or have a small family, summer vacations are tough to plan when you’re strapped for cash. Not to worry—here are some of our best tips for traveling inexpensively.
Evaluating Summer Day Camps for Kids
If you’re going to work or take classes during the summer then your kids are going to need something to do. Summer day camps will fill those gaps, but keeping your kids entertained on a budget takes careful planning.
5 Ways Parents Can Teach Their Kids About Financial Literacy
If you believe in the adage, “We are all products of our environment,” then it should come as little surprise that recent studies have found an immediate correlation between parental teaching of money management and their children’s financial outcomes.
How Students Can Start Planning a Financially Secure Future
Creating good financial habits early on in life can be beneficial and set you up for a financially secure future. For example, saving for retirement earlier rather than later can set you up for a financially well retirement.
Budget-Friendly Summer Activities for All Ages
Whether you’re a parent looking for fun activities to do with your kids or just someone looking for cheap things to do during the summer, we’ve got you covered in this article.
5 Tips for Having a Fabulous and Financially Fit Summer Vacation
Whether you’re a student, a single working professional, or have a small family, summer vacations are tough to plan when you’re strapped for cash. Not to worry—here are some of our best tips for traveling inexpensively.
Make Smart Financial Moves This Summer by Saving, Borrowing, and Spending Wisely
EvenUp Savings Account
Add it to any FCCU checking account! Round up the amount you spend to the next whole dollar and transfer the difference automatically into your EvenUp Savings Account.
Home Equity Loan
Take advantage of our current home equity loan promotion and get highly competitive rates and flexible terms! Take control of your debt and find peace of mind.
Credit Cards
Choose from a low-rate credit card or rewards credit card. Combine the power of competitive rates with local service!
EvenUp Savings Account
Add it to any FCCU checking account! Round up the amount you spend to the next whole dollar and transfer the difference automatically into your EvenUp Savings Account.
Home Equity Loan
Take advantage of our current home equity loan promotion and get highly competitive rates and flexible terms! Take control of your debt and find peace of mind.
Credit Cards
Choose from a low-rate credit card or rewards credit card. Combine the power of competitive rates with local service!
*APY = Annual Percentage Yield. Minimum opening deposit for Summer Camp Savings is $5. Funds must remain on deposit until March 1st or June 1st each year depending on the selected maturity date or some dividends may be forfeited, and no further contributions will be allowed until after the next maturity date. Upon maturity date, entire balance will be transferred to your checking account, or main share account if you do not have a checking account. Withdrawals from account cannot be made at any other time. Dividends will accrue on noncash deposits (e.g., checks) on the business day the deposit is made. Rates are subject to change quarterly. Call 1-800-533-5772 for more info. Insured by NCUA.
