First Commerce Credit Union Tallahassee FL | Top Auto Loans & Business Banking

Introduction

Welcome to First Commerce, your trusted financial partner located at 1460 Capital Cir Nw, Tallahassee, FL 32303. Established in 1940, we have grown into a vital community resource, proudly serving over 69,000 members. With total assets exceeding $1.12 billion, our commitment to providing exceptional service and support is unwavering. At First Commerce, we believe in the power of community. We offer a wide range of services designed to meet the needs of our members, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and business banking solutions. Our dedicated team of 193 employees is here to help you navigate your financial journey with ease. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 6416, Tallahassee, FL 32314. Under the leadership of CEO Cecilia Homison and Board President Alan Neubauer, we are committed to maintaining a strong financial foundation with a net worth of $113.76 million and total deposits amounting to $93.87 million. Our focus on transparency and member satisfaction has helped us achieve a robust cash reserve of $23.06 million, ensuring that we are always ready to assist you. We invite you to explore all that First Commerce has to offer by visiting our website at firstcommercecu.org or giving us a call at 850-488-0035. Whether you're looking for advice on loans or want to open an account, our friendly team is eager to help you every step of the way!

Branch History & Mission

Join Us

As we look ahead, First Commerce remains dedicated to enhancing member experiences through innovative solutions while maintaining strong ties within the community. We invite you to become part of this journey. Experience firsthand what it means to be a member of First Commerce where your financial success is our priority. For more information or to open an account today, visit us at First Commerce or call us at 850-488-0035. Together, let's build a brighter financial future!

Our Journey

Located at 1460 Capital Cir NW, Tallahassee, FL 32303, First Commerce has always been more than just a place to manage money. From the start, our mission has focused on empowering individuals and families through personalized banking solutions. We've seen tremendous growth over the years, adapting our offerings to meet the changing financial landscape while staying true to our core values of integrity and service. While members can visit us at our branch address for day-to-day banking needs, official correspondence should be sent to our mailing address: PO Box 6416, Tallahassee, FL 32314. Our commitment extends beyond financial transactions. We take pride in being active participants in local initiatives, supporting various community outreach programs that enhance the lives of residents in Leon County and beyond. Through partnerships with schools, non-profits, and local businesses, we strive to foster a spirit of cooperation and mutual support.

Our Mission

At First Commerce, our mission is clear: we aim to provide accessible financial services that help individuals achieve their goals while nurturing community well-being. Whether you're looking for personal banking options like checking accounts or auto loans, or business services such as merchant accounts and loans for entrepreneurs, we are here for you every step of the way. We believe that everyone deserves access to quality banking services. That's why we offer modern conveniences like online and mobile banking options alongside traditional services such as drive-thru banking and ATM access. Our branch features video teller hours from Monday to Friday (7:30 AM - 6:30 PM) and Saturday (9:00 AM - 1:00 PM), ensuring flexibility and convenience for our busy members.

Branch Location & Accessibility

Welcome to First Commerce at the Westside Financial Center! Conveniently located at 1460 Capital Cir NW in Tallahassee, FL, our branch is here to serve you with friendly faces and helpful services. Whether you're stopping by for a quick transaction or seeking financial advice, our location makes it easy for you to access all your banking needs. While members can visit us at our branch address, please send any official correspondence to our mailing address at PO Box 6416, Tallahassee, FL 32314. Situated near popular landmarks, such as the Tallahassee Mall and the vibrant local dining scene, finding us is a breeze. You'll have no trouble parking with ample space available and ADA-compliant features ensuring everyone can easily access our services. Our lobby hours are designed to fit your busy schedule join us Monday through Friday from 9:00 AM to 5:00 PM. For those early birds or night owls, our Drive-Thru Video Tellers are available from 7:30 AM to 6:30 PM on weekdays and from 9:00 AM to 1:00 PM on Saturdays. This flexibility means you can manage your finances when it's most convenient for you. We also offer ATM availability for quick cash withdrawals and balance checks anytime you need them. Whether it's personal banking like checking and savings accounts or loans for vehicles and mortgages, we've got you covered. Our drive-thru service allows for simple transactions like deposits and withdrawals without leaving your car. We invite you to visit us or give us a call at 850-488-0035 for any questions or assistance. At First Commerce, we're not just about banking; we're about building relationships with our community. We look forward to seeing you soon!

Member Eligibility

At First Commerce, we believe that becoming a member means joining a community that supports you and your financial goals. If you're looking to be part of something special, it's easy! We welcome individuals who live or work in our local area, as well as their family members. This means whether you're just starting out or looking to expand your financial options, there's a place for you here. Not only do our members gain access to a range of fantastic services like personal banking, auto loans, and credit cards with rewards, but they also benefit from competitive rates and personalized service. Ready to take the next step? Opening an account at First Commerce is a breeze! You can find all the details on how to become a member by visiting our eligibility page at . If you have any questions or need assistance, feel free to give us a call at (850) 488-0035. We're excited to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine a local coffee shop that wants to streamline payment processing for busy mornings. With our merchant services, they can easily accept payments through various platforms, ensuring customers have a smooth experience while increasing sales. This is just one example of how we help businesses operate more efficiently, allowing owners to focus on what they do best. Visit us at 1460 Capital Cir Nw Tallahassee Fl 32303 in Tallahassee, FL, or give us a call at (850) 488-0035 to learn more about how we can assist your business. Your success is our priority!

Tailored Business Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $599 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $94,712,847, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

We understand that running a business comes with its own set of challenges. That's why we offer dedicated business banking services, including merchant services and business loans. We aim to support local businesses in their growth journey by providing the resources they need.

Convenient Access Options

At First Commerce, convenience is key. Our ATM services allow you to withdraw cash or check balances anytime you need it. If you prefer face-to-face interaction but can't visit during regular hours, take advantage of our basic drive-thru banking services for quick deposits and withdrawals without leaving your car.

Personal Banking Services

When it comes to personal banking, we offer flexible checking and savings accounts tailored to fit your lifestyle. Our accounts come with user-friendly online and mobile banking features, allowing you to manage your finances from anywhere at any time. Imagine being able to check your balance, transfer money, or pay bills with just a few taps on your phone! If you're considering buying a car or refinancing an existing loan, our auto loans and vehicle financing options provide competitive rates and terms that make purchasing a vehicle easier than ever. You can also explore our mortgage loans and refinancing services if you're ready to buy a home or want to lower your monthly payments. For those unexpected expenses, our personal loans and debt consolidation services are here to help you regain control of your finances. Need some extra rewards? Check out our credit cards with rewards, designed to give back every time you spend.

Why Choose Us?

With First Commerce's commitment to excellent customer service and financial education, we strive to empower our members in their financial decisions. Our team is always ready to assist you with any questions or concerns. To learn more about how we can assist you in achieving your financial dreams, give us a call at 850-488-0035 or visit us at our branch. We're here for you Monday through Friday from 9:00 AM - 5:00 PM and offer extended drive-thru hours for your convenience. Join us today at First Commerce where community meets convenience!

Digital & Online Banking

Accessible Anytime

Whether you're at home or on the move, First Commerce provides a user-friendly experience that fits seamlessly into your lifestyle. Our commitment to accessibility means you can handle your banking needs whenever it suits you best. Explore all the benefits of digital and online banking today by visiting us at https://www.firstcommercecu.org/ !

Key Features

Our online banking platform allows you to keep track of your finances in real-time. Whether you want to check your balance, view recent transactions, or transfer funds between accounts, everything is just a click away. And if you need to send money to friends or family, our person-to-person transfer feature makes it quick and easy. For those who prefer to bank on the go, our mobile application ensures that all these features are at your fingertips. You can even make mobile payments directly from your phone, making shopping more convenient than ever.

Security and Convenience

Your security is our priority. That's why we offer electronic signature authorization for transactions, ensuring that your sensitive information remains protected. Plus, with e-statements available, you can easily manage your financial records without the hassle of paper statements cluttering your mailbox.

Financial Strength

Commitment to Growth

With $94,942,963 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $12,143 in used auto loans and $812,933,967 in total loans and leases.

Member-Centric Savings Options

Members' savings are secured through $358,587,325 in share certificates and $107,260,609 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $3,817,749 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 180 full-time employees and 13 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $113,760,712, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,015 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Numbers

Total Share and Deposit Accounts stand at 140,804, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, highlighting our capability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Commerce is your trusted partner. Visit us at 1460 Capital Cir Nw Tallahassee Fl 32303 or call (850) 488-0035 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $244,811,530 in used vehicle loans and $123,230,968 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that can fit your budget. If you're considering refinancing your current auto loan, we have options available to help you lower your monthly payments.

Business Loans

For business owners, our outstanding commercial loans totaling $94,712,847 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and opportunities; our team is here to support you every step of the way.

Conclusion

Our commitment to our members goes beyond just providing loans; it's about helping you achieve your financial dreams. Explore our loan offerings today and see how First Commerce can assist you on your financial journey. For more information or to get started with an application, give us a call at 850-488-0035 or visit our website at First Commerce. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $83,889,992, make buying or refinancing simple. We guide you through the mortgage process so that you can focus on what really matters finding the right home for you and your family.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $7,219,474 in loans helping members manage their finances effectively. Our credit cards come with rewards that can benefit your spending habits while keeping your finances in check.

Loan Aggregator

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Ensuring Accurate Comparisons

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FIRST COMMERCE CREDIT UNION