First Commerce Credit Union Adel GA | Affordable Auto Loans & Business Banking

Introduction

At First Commerce, we believe in building lasting relationships with our members, serving as your trusted partner in financial success. Located at 101 N Hutchinson Ave, Adel, GA 31620, our branch has been a cornerstone of the community since 1940. With over 69,000 members, we pride ourselves on providing personalized service and a wide range of financial products designed to meet your unique needs. While you can visit us at our physical location, any official correspondence should be directed to our mailing address: P.O. Box 6416, Tallahassee, FL 32314. We are dedicated to making banking accessible and convenient for everyone. As of now, First Commerce boasts total assets of over $1.12 billion, with total deposits reaching $93,866,946. Our commitment to responsible lending is reflected in our portfolio of 28,056 loans and leases that empower our members to achieve their goals whether that's purchasing a new vehicle or financing a home. Our leadership team is dedicated to fostering a positive banking experience. Under the guidance of CEO Cecilia Homison and Board President Alan Neubauer, we work tirelessly to ensure that every member feels valued and heard. With a team of 193 employees, we're here to assist you every step of the way. At First Commerce, we offer services ranging from personal banking options like checking and savings accounts to business loans and credit card rewards programs. We're equipped with modern conveniences such as online and mobile banking so you can manage your finances anytime, anywhere. We invite you to join our community-focused family today! Feel free to call us at (229) 896-7402 or visit our website at First Commerce for more information about how we can help you reach your financial dreams. Your journey starts here!

Branch History & Mission

At First Commerce, we take pride in our rich history and strong commitment to serving the community of Adel, GA. Since opening our doors in 1940, we have grown alongside our members, striving to meet their financial needs with dedication and care. Located at 101 N Hutchinson Ave, our branch is not just a financial institution; it's a place where relationships are built and dreams are nurtured. Over the years, First Commerce has achieved significant milestones. We've expanded our services, reaching a total membership of over 69,000 individuals who trust us with their finances. Our total assets now stand at an impressive $1,120,685,514, reflecting our stability and commitment to providing valuable financial solutions. As we continue to grow, our mission remains clear: to enhance the lives of our members through exceptional service and community support. Our mission is not just about banking; it's about fostering a sense of belonging and empowerment within our community. At First Commerce, we believe in making financial services accessible to everyone. Whether you're looking for personal banking options like checking accounts and auto loans or business banking solutions, we aim to provide products that fit your unique needs. Moreover, we actively engage in community outreach efforts to give back and make a positive impact on those around us. While members can visit us at 101 N Hutchinson Ave Adel Ga 31620, official correspondence should be sent to P.O. Box 6416, Tallahassee, FL 32314. Our dedicated team is here during lobby hours from Monday to Friday to assist you with all your banking needs. We also offer convenient drive-thru services for quick transactions and ATM availability for easy access to your funds. As we embrace modern advancements such as online banking and mobile payments, we ensure that every member feels valued and supported. Our commitment to ADA compliance means that everyone can access our services without barriers. We invite you to join the First Commerce family today! Experience firsthand the benefits of being part of a credit union that truly cares about its members and community. Contact us at (229) 896-7402 or visit our website at First Commerce to learn more about how we can help you achieve your financial goals.

Branch Location & Accessibility

Accessibility Features

Our branch ensures all members can visit comfortably. We have ample parking available and ADA-compliant features to assist those who may need extra help getting inside. You'll find ramps and wide doors for easy access.

Operating Hours

We want to make banking as convenient as possible for you! Our lobby hours are open Monday through Thursday from 9 AM to 4 PM, and on Friday from 9 AM to 5 PM. For those who prefer drive-thru banking, we're here Monday through Thursday from 8 AM to 4 PM and Friday from 8 AM to 5 PM. Plus, if you need to use our video teller services, we're open Monday through Friday from 7:30 AM until 6:30 PM and Saturday from 9 AM to 1 PM.

Services Offered

At First Commerce, we offer a variety of services tailored for both personal and business banking needs. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or even credit cards with rewards our friendly staff is here to help. With ATM availability right on-site and drive-thru services for quick transactions, managing your finances has never been easier. We invite you to stop by or give us a call at 229-896-7402 with any questions you may have. Come see how First Commerce can support your financial journey!

Member Eligibility

Welcome to the community at First Commerce, where becoming a member is not just about banking; it's about joining a family that supports your financial journey. If you live, work, or worship in the area around 101 N Hutchinson Ave Adel Ga 31620, you're already on your way to membership! We believe in making finance accessible for everyone, so our eligibility criteria are designed to be inclusive. You can find more detailed information about who qualifies for membership by visiting our website. Once you know you're eligible, opening an account with us is a breeze! Just head over to our easy online application at https://ibranchdigital.firstcommercecu.org/firstcommercecreditunionautoenrollment_e2e/enroll.html. If you have any questions along the way, feel free to reach out to us at (229) 896-7402. We're here to help you take that exciting step towards better banking and a brighter financial future with First Commerce!

Business Banking & Commercial Services

Commercial Loans to Fuel Your Growth

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.

Merchant Services that Work for You

In addition to loans, we offer comprehensive merchant services that make daily operations smoother. Imagine being able to accept payments effortlessly from your customers, whether they're shopping online or visiting your storefront. Our systems are designed with you in mind, ensuring you can focus on what matters most growing your business. For more information or to explore how we can assist you further, contact us at (229) 896-7402 or visit us today!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small business owners, we offer a variety of business banking services. From merchant services that streamline payment processing to business loans that provide funding for growth, we're here to support your vision and success.

Credit Cards That Reward You

Our credit cards come with rewards programs that allow you to earn points for every purchase. This means that while you shop for everyday items, you're also earning benefits that can be redeemed for travel, merchandise, or cash back.

Join Us Today!

We invite you to explore all that First Commerce has to offer at our branch located at 101 N Hutchinson Ave, Adel Ga 31620. With a friendly staff ready to assist you and a range of services designed with your needs in mind, we're here to help you achieve financial wellness. For more information or assistance, feel free to call us at 229-896-7402. Come visit us today and discover how we can support your financial journey!

Online & Mobile Banking Convenience

In today's fast-paced world, convenience is key. That's why First Commerce offers robust online and mobile banking features. You can manage your accounts anytime, anywhere through our user-friendly app and website. Need to withdraw cash? Our ATM services are available for quick access to your funds without hassle. If you prefer in-person transactions, our drive-thru banking allows you to complete deposits, withdrawals, and simple transactions efficiently during lobby hours Monday through Friday making it easy for you to bank on your schedule.

Personal Banking Made Easy

Managing your finances should be straightforward, and at First Commerce, we make it easy with our personal banking services. You can open checking and savings accounts that help you manage your day-to-day expenses effortlessly. If you're considering a new vehicle or need funds for an unexpected expense, our auto loans and vehicle financing options are designed with competitive rates to fit your budget. Homeownership is within reach with our mortgage loans and refinancing options. We understand the importance of finding the right mortgage solution, whether you're buying your first home or looking to refinance your existing mortgage. Plus, if you're juggling multiple debts, our personal loans for debt consolidation can help simplify your payments into one manageable monthly bill.

Digital & Online Banking

At First Commerce, we understand that managing your finances should be easy and secure. That's why we've invested in a range of digital and online banking services designed to fit your busy lifestyle. With our 24/7 online banking, you can access your accounts anytime, anywhere. Whether you're checking balances, transferring funds, or paying bills, our user-friendly platform makes it simple. Explore our online banking features at https://www.firstcommercecu.org/. You'll find everything from e-statements to mobile payments, all aimed at enhancing your banking experience. We offer electronic signature authorization, allowing you to sign documents quickly and securely without needing to visit the branch. Plus, with e-statements available, you can say goodbye to paper clutter and manage your finances more efficiently. For those who prefer banking on the go, our mobile application is a game changer. You can make person-to-person transfers effortlessly and use mobile payments to complete transactions right from your smartphone. Our app is designed for ease of use, giving you real-time access to your accounts whenever you need it. Security is a top priority at First Commerce. We employ robust measures to protect your personal information and ensure safe transactions. With our 24/7 online banking services, you can feel confident that your financial data is secure while enjoying the convenience of modern banking. So whether you're at home or out and about, First Commerce provides the tools you need for effective account management all with just a few clicks or taps!

Financial Strength

At First Commerce, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our commitment to you is reflected in our solid financial foundation, ensuring that your money is safe and your needs are met. 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 10.15% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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. Our operational efficiency is highlighted by our $1,640,161, which allows 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. With total share accounts reaching 140,804, it's clear that more people trust us with their finances every day. This growing member base reinforces our stability and reliability as your chosen financial partner. 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 101 N Hutchinson Ave Adel Ga 31620 or call (229) 896-7402 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Loan Options

For those interested in building or expanding their business ventures, our outstanding commercial loans totaling $94,712,847 provide the capital needed to grow and expand. We are committed to supporting local businesses and helping them thrive in today's competitive market. At First Commerce, we believe that everyone should have access to the financial products they need. If you're considering refinancing or exploring eligibility options for any of our loans, don't hesitate to reach out. We're here to help you find the best solutions tailored to your situation. For more information or assistance with starting your loan application process, please call us at 229-896-7402. Our friendly staff is available during lobby hours: Monday - Thursday from 9:00 AM - 4:00 PM and Friday from 9:00 AM - 5:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us partner with you as you take your next financial step!

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. Whether you are considering a new or used vehicle, our financing options can make it easier for you to drive away in the car you want.

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 aim to provide clear guidance throughout the process so that you can focus on what matters most your new home.

Unsecured Credit Card Loans

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 various rewards and benefits designed to support your spending habits while keeping your budget in check.

Loan Aggregator

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FIRST COMMERCE CREDIT UNION - Adel, GA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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