First Commerce Credit Union Valdosta GA | Low Mortgage Rates & Business Banking

Introduction

Welcome to First Commerce, your trusted credit union located at 1830 Norman Dr Ste B, Valdosta, GA 31601. Since our establishment in 1940, we have proudly served our community and built a strong membership base of over 69,143 members. Our mission is to provide reliable financial services tailored to the needs of our members while fostering a sense of community and trust. At First Commerce, we understand that every financial decision matters. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgage financing, personal loans, and credit cards with rewards. With total assets exceeding $1.12 billion, and total deposits reaching $93,866,946, we are well-equipped to help you achieve your financial goals. Our dedicated team is led by CEO Cecilia Homison and Board President Alan Neubauer, who are committed to ensuring that each member receives personalized service. With a total of 193 employees, we are here to support you in every step of your financial journey. While members can visit us at our branch for their banking needs, official correspondence should be sent to our mailing address at P.O. Box 6416, Tallahassee, FL 32314. We invite you to explore our services further or reach out directly at (229) 245-6180 for any inquiries. At First Commerce, we're not just about numbers; we're about building relationships that last a lifetime!

Branch History & Mission

Join Us

With convenient lobby hours from 9:00 AM - 5:00 PM Monday through Friday and extended access via video tellers until 6:30 PM, we're here when you need us most. Whether you're looking for a new checking account or need help with a mortgage loan, our team is ready to assist you. We invite you to become part of the First Commerce family and experience the difference that comes with being a member-focused credit union. Let's work together towards achieving your financial goals! For more information or to get started today, give us a call at 229-245-6180 or visit us online at First Commerce.

Our Journey

First Commerce began its journey with a mission to provide accessible financial services to those who needed them most. As we opened our doors at 1830 Norman Dr Ste B, Valdosta, GA 31601, we committed ourselves to supporting local families and businesses. Over the years, we've expanded our offerings and now proudly serve 69,143 members with total assets of over $1.12 billion. As we evolved, so did our commitment to innovation and accessibility. We have embraced technology to enhance your banking experience while ensuring that all services remain ADA compliant. Our branch offers modern conveniences like online banking and mobile payments alongside traditional services such as personal loans, auto financing, and business banking solutions.

Our Mission

At First Commerce, our mission is clear: We strive to empower individuals by providing top-notch financial services while fostering a sense of community and support. We believe in building lasting relationships with our members that go beyond transactions; we are here to guide you on your financial journey. Our outreach initiatives demonstrate this commitment. From partnering with local organizations for community events to offering financial education workshops, we are dedicated to giving back to Valdosta and surrounding areas. Your success is our success. While you can visit us at 1830 Norman Dr Ste B, official correspondence should be sent to P.O. Box 6416, Tallahassee, FL 32314 if needed.

Branch Location & Accessibility

Call Us or Visit Today!

Have questions or need assistance? Don't hesitate to reach out! You can contact us at 229-245-6180. Whether you're looking for personal banking options like checking and savings accounts or considering loans for your next vehicle or home, we're here to help you every step of the way. While members can visit us at our branch location, official correspondence should be sent to P.O. Box 6416, Tallahassee, FL 32314. We look forward to welcoming you soon!

Convenient Services and Accessibility Features

At First Commerce, we prioritize your convenience. Our branch offers ample parking, ensuring you have an easy experience from start to finish. We are committed to accessibility for all members, with features like ADA-compliant ramps to make your visit comfortable. If you prefer to bank on the go, we provide ATM services for quick cash withdrawals and balance checks. While we currently do not have drive-thru banking, our friendly staff is always ready to assist you inside during our lobby hours: Monday through Friday from 9:00 AM to 5:00 PM. For those who need more flexibility, our video teller service operates Monday through Friday from 7:30 AM to 6:30 PM and Saturday from 9:00 AM to 1:00 PM.

Member Eligibility

At First Commerce, we believe in building a strong community where everyone can thrive. Becoming a member is simple and welcoming! If you live, work, or worship in the Valdosta area, you're likely eligible to join our family. We understand that everyone's situation is unique, so we encourage you to reach out for personalized assistance. You can learn more about our eligibility criteria by visiting this link. Once you're ready to take the next step, opening an account with us is straightforward. You can start your journey online by following this link, or feel free to give us a call at (229) 245-6180 if you have any questions or need help along the way. Join us at First Commerce located at 1830 Norman Dr Ste B Valdosta Ga 31601, and experience all the benefits of being part of a caring community focused on your financial well-being!

Business Banking & Commercial Services

Commercial Loans That Fuel 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 Made Easy

Imagine effortlessly processing payments while focusing on what you do best running your business. Our merchant services offer simple payment solutions that integrate seamlessly into your operations, whether you run a local shop or a bustling online store. Accepting various payment methods means more satisfied customers and increased sales potential. Located at 1830 Norman Dr Ste B Valdosta Ga 31601 in Valdosta, GA, we are here to partner with you on your journey. For more information, call us at (229) 245-6180 or visit our website at https://www.firstcommercecu.org/. Let's make your business dreams a reality together!

Comprehensive List Of Services

Business Banking

For our business members, we provide specialized services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, First Commerce is here to support your business journey with reliable financial products.

Community Focused

At First Commerce in Valdosta, we pride ourselves on being more than just a credit union; we're part of the community. Our friendly staff is always ready to assist you with any questions or concerns you may have regarding our services. We invite you to visit us at our branch or give us a call at 229-245-6180. Discover how First Commerce can make your banking experience enjoyable and beneficial! For more information about opening an account or exploring our services further, check out our website at First Commerce. Your financial success is just around the corner!

Credit Solutions

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. We aim to help our members manage their finances effectively by providing flexible loan solutions that can ease your financial burdens. And let's not forget about credit cards! Our credit cards with rewards offer great benefits for everyday purchases. Imagine earning points while shopping for groceries or fueling up your vehicle!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. Access your accounts anytime, anywhere with just a few taps on your smartphone or computer. Need cash on the go? Our ATM & cash withdrawal services ensure you have easy access to your funds whenever you need them.

Personal Banking

When it comes to personal banking, we understand that everyone's needs are different. That's why we offer a variety of checking and savings accounts designed to fit various lifestyles and financial situations. Whether you're saving for a vacation or managing everyday expenses, our accounts come with features that make banking easy and hassle-free. In addition to traditional banking, we also provide auto loans and vehicle financing options. Whether you're buying a new car or refinancing an existing loan, our competitive rates can help you drive away happy. If you're considering purchasing a home, our mortgage loans and refinancing services can guide you through the process smoothly, ensuring you find the best deal possible.

Digital & Online Banking

At First Commerce, we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to provide you with convenience, security, and real-time access to your accounts. Whether you're at home, at work, or on the go, managing your finances has never been easier. Our online banking platform is available 24/7, allowing you to check balances, transfer funds, and pay bills anytime you need. Simply visit us at https://www.firstcommercecu.org/ to get started. You can also enjoy the benefits of electronic statements, making it simple to keep track of your transactions without the hassle of paper clutter. For those who love the ease of mobile banking, our mobile application is here to help. With features like person-to-person transfers, you can send money quickly and securely to friends or family members right from your smartphone. Plus, if you're on the go and need to make payments, our mobile payments feature makes it easy to pay for purchases directly from your account. We prioritize security in all our digital services. With electronic signature authorization, you can complete important transactions with confidence. Your financial information is protected every step of the way. Whether you're using our website or our app, you'll find that accessing your accounts is straightforward and user-friendly. Managing your finances has never been this accessible! So why wait? Explore everything First Commerce offers in digital banking today!

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. We support your financial aspirations with $12,143 in used auto loans and $812,933,967 in total loans and leases. Our $1,640,161 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 180 full-time employees and 13 part-time employees who are dedicated to providing you with exceptional service.

Member Trust

Total Share Accounts stand at 140,804, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 1830 Norman Dr Ste B Valdosta Ga 31601 or call (229) 245-6180 to learn more about how we can help you achieve your financial goals.

Secure Savings for Members

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.

Strong Financial Health

With a net worth of $113,760,712, we maintain robust 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.

Loan Offering

Additional Support for Businesses

For business owners in our community, our outstanding commercial loans totaling $94,712,847 provide the capital needed to grow and expand. We're committed to supporting local businesses as they thrive and contribute to our economy. 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. No matter what type of loan you're interested in at First Commerce, we're dedicated to guiding you through each step of the process. Explore your options today!

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 cater to both new and used vehicles to suit your preferences and budget.

Credit Lines and Unsecured Loans

For those looking for additional financial flexibility, we offer total credit lines amounting to $190,664,354. Additionally, we have flexible terms on unsecured credit card loans, with a total of $7,219,474 in loans helping members manage their finances effectively. This can be especially useful for unexpected expenses or consolidating existing debt.

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 provide various terms and flexible eligibility options to ensure you find a mortgage that fits your lifestyle.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures fair and transparent offers, so you can trust that the information you receive is accurate and up-to-date.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

FIRST COMMERCE CREDIT UNION - Valdosta, GA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Valdosta, GA (31601)