First Commerce Credit Union Valdosta GA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First Commerce, your trusted financial partner located at 3312 Inner Perimeter Rd, Valdosta, GA 31602. Established in 1940, we have been dedicated to serving our community for over eight decades. With a strong membership of 69,143 and total assets reaching an impressive $1,120,685,514, we are proud to offer a variety of services tailored to meet your personal and business banking needs. At First Commerce, we believe in empowering our members through financial education and support. Our commitment to you is reflected in our total deposits of $93,866,946 and a net worth of $113,760,712, ensuring that your funds are secure and accessible when you need them. We currently provide loans and leases totaling 28,056, demonstrating our dedication to helping you achieve your financial goals. Our leadership team is here to guide you every step of the way. Under the direction of CEO Cecilia Homison and Board President Alan Neubauer, our team of 193 employees is ready to assist you with personalized service. Whether you're looking for auto loans, mortgage refinancing, or simple checking accounts, we have the tools and expertise to help. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to our mailing address: PO Box 6416, Tallahassee, FL 32314. We invite you to explore what First Commerce can do for you! For more information or assistance, don't hesitate to call us at (229) 249-7672 or visit our website at First Commerce. Your financial journey starts here!

Branch History & Mission

Community Engagement

We believe in giving back to the community that supports us. Over the years, we've partnered with local organizations and participated in numerous outreach efforts aimed at enhancing the quality of life for all residents in Valdosta. By investing in local programs and initiatives, we strive to create a better future for everyone.

Join Us Today!

As we look toward the future, we invite you to be a part of our continued growth story. At First Commerce, we're more than just a credit union; we're your neighbors invested in your success. Experience firsthand what it means to be a member of First Commerce by visiting us today or reaching out at 229-249-7672. Together, let's build a brighter financial future!

Our Evolution

Since opening our doors in 1940, First Commerce has consistently evolved to meet the changing needs of our community. We've embraced advancements in technology while maintaining our core values of service and support. As part of this evolution, we proudly offer modern conveniences such as online banking and mobile payments, ensuring that our members can access their accounts anytime and anywhere. Our physical presence is complemented by ATM availability and drive-thru services for added convenience. Whether you need to make a quick deposit or withdraw cash on the go, we're here for you.

Our Mission

At First Commerce, our mission goes beyond providing financial services; it's about making a real impact in the lives of our members and the surrounding community. We are dedicated to empowering individuals through education and support while fostering financial wellness. Our goal is not only to help members achieve their financial aspirations but also to contribute positively to local initiatives that strengthen our neighborhoods. While you can visit us at 3312 Inner Perimeter Rd, please note that official correspondence should be sent to PO Box 6416, Tallahassee, FL 32314.

Branch Location & Accessibility

Easy Access and Parking

We prioritize convenience for our members. At First Commerce, ample parking is available right outside our door, making it simple for you to stop by and take care of your banking needs. Plus, our branch is fully ADA compliant, ensuring everyone has access to our services.

Get in Touch!

Have questions? Feel free to give us a call at 229-249-7672. We'd love to help you with anything you need! So why wait? Stop by First Commerce today and experience banking designed just for you!

Operating Hours That Fit Your Schedule

We understand that life can get busy, so we've made sure our hours accommodate your schedule. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM. For those who prefer the drive-thru experience, our video tellers are available Monday through Friday from 7:30 AM to 6:30 PM and on Saturdays from 9:00 AM to 1:00 PM. Whether you need to deposit a check or discuss loan options, we're here when you need us.

Services Tailored for You

At First Commerce, we offer a wide range of services to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. If you're in a hurry, use our drive-thru for quick transactions or visit our ATM for cash withdrawals and balance checks both are available for your convenience. While members can visit us at 3312 Inner Perimeter Rd Valdosta Ga 31602, official correspondence should be sent to PO Box 6416 in Tallahassee, FL if needed.

Member Eligibility

Welcome to the First Commerce family, where becoming a member means joining a supportive community that truly cares about your financial journey. At First Commerce, located at 3312 Inner Perimeter Rd Valdosta Ga 31602, we invite you to explore membership options that are designed for individuals who value personalized service and shared success. If you live, work, worship, or attend school in certain areas of Georgia, or if you have family members who are already part of our credit union, you may be eligible to join us! This is your opportunity to access a variety of services tailored to meet your needs, from checking accounts to auto loans. Joining is simple and welcoming just visit our website for detailed eligibility criteria at . If you're ready to take the next step towards membership, opening an account is just as easy; check out the process here: https://ibranchdigital.firstcommercecu.org/firstcommercecreditunionautoenrollment_e2e/enroll.html . Should you have any questions or need assistance along the way, feel free to give us a call at (229) 249-7672. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Loan Options That Empower 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 Make Transactions Easy

Running a business means managing many moving parts. Our merchant services simplify payment processing, allowing you to focus on what matters most your customers. With user-friendly tools and reliable support, you can accept payments seamlessly, enhancing customer satisfaction and boosting sales. Discover how First Commerce can be your partner in success. Contact us today at (229) 249-7672 or visit us online for more information!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, First Commerce provides robust Business Banking services including merchant services and business loans. We know how vital it is for businesses to have reliable financial support; that's why we're committed to helping you thrive.

Digital Convenience

In today's fast-paced world, convenience is key. Our Online & Mobile Banking platforms ensure that managing your accounts is just a click away. You can easily check balances, make transfers, and pay bills from anywhere using our mobile app. Additionally, we provide ATM and cash withdrawal services at various locations for easy access to your funds whenever you need them.

Easy Access with Drive-Thru Banking

Need quick assistance? Our basic drive-thru banking service allows for deposits, withdrawals, and simple transactions without leaving your vehicle. It's perfect for those busy days when time is of the essence. At First Commerce in Valdosta, we strive to create an environment where financial health is achievable for everyone in our community. To learn more about how our services can benefit you or if you have any questions, please don't hesitate to call us at 229-249-7672. We invite you to visit us today or explore our website at First Commerce for more information on opening an account or applying for a loan. Your financial well-being starts here!

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer comprehensive Personal Banking options such as checking and savings accounts designed to fit your lifestyle. For those planning to purchase a vehicle, our Auto Loans & Vehicle Financing services make it easier than ever to get behind the wheel. If homeownership is in your plans, our Mortgage Loans & Refinancing options will guide you through the process, ensuring you find the right fit for your budget. In addition to these services, we also offer Personal Loans & Debt Consolidation to help you manage expenses or tackle debt effectively. Plus, our Credit Cards with Rewards allow you to earn points on everyday purchases, giving you more value for your spending.

Digital & Online Banking

Easy Access to Your Finances

Our mobile application brings banking right to your fingertips. With features like mobile payments and person-to-person transfers, sending money to friends or family is quick and hassle-free. Plus, if you prefer managing your finances from your computer, you can take advantage of our electronic signature authorization for easy document signing without the need for paper.

Stay Organized with E-Statements

Say goodbye to piles of paperwork! We offer e-statements that allow you to view your account statements online whenever you need them. This not only helps you stay organized but also enhances your security by reducing the risk of sensitive information falling into the wrong hands. Whether you're on the go or at home, our digital banking tools ensure that managing your money is simple and effective. Experience the freedom of real-time account management with First Commerce's online services today!

Financial Strength

Growing Member Base

Total Share Accounts: 140,804, showing a strong and growing member base that trusts us with their finances. This growth reflects the community's confidence in us as a trusted partner for their financial 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 3312 Inner Perimeter Rd Valdosta Ga 31602 or call (229) 249-7672 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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.

Reinvestment for 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 across various sectors with $12,143 in used auto loans and $812,933,967 in total loans and leases.

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the most competitive rates in the industry. We have already issued over $244,811,530 in used vehicle loans and $123,230,968 in new vehicle loans, helping members get on the road with confidence.

Credit Lines

For those who need extra flexibility in their finances, our total credit lines amount to $190,664,354. This can help you cover unexpected expenses or fund personal projects without the hassle of traditional loan applications.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $83,889,992. This means you can find a mortgage solution tailored to your situation.

Refinancing Options

If you're considering refinancing existing loans for better rates or terms, we are here to assist you. Our team will work closely with you to explore eligibility options and find solutions that best fit your needs. At First Commerce, we pride ourselves on our commitment to our members and community. To learn more about our loan offerings or start an application today, visit us online at First Commerce or call us at 229-249-7672. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $7,219,474 helping members manage their finances effectively. This can be an excellent way to take control of your spending while enjoying benefits like rewards and cash back.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions. This means you can trust the information and feel secure in your decisions. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results so you can easily compare options without influence. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions. This feature allows you to stay informed about the best available rates at any time. 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!" Testimonials like these highlight the effectiveness of this tool in helping individuals achieve better financial outcomes. 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