First Commerce Credit Union Valdosta GA | Best Auto Loans & ATM Access

Introduction

Welcome to First Commerce, your trusted financial partner located at 4060 Bemiss Rd, Valdosta, GA 31605. Since our establishment in 1940, we have been dedicated to serving our community with a wide array of financial services tailored to meet the needs of our 69,143 members. With total assets exceeding $1.12 billion, we pride ourselves on being a solid foundation for your financial journey. At First Commerce, we understand that each member's financial goals are unique. That's why we offer a comprehensive suite of services, including personal banking options like checking and savings accounts, auto loans, mortgages, and even business banking solutions. Whether you're looking for competitive rates on loans or convenient online banking features, we have you covered. Our commitment to excellence is reflected not only in our financial strength but also in the community impact we strive to make every day. Under the leadership of our CEO, Cecilia Homison, and Board President, Alan Neubauer, our team of 193 employees is here to ensure that your experience with us is nothing short of exceptional. While members can visit us at our branch location, official correspondence should be sent to P.O. Box 6416, Tallahassee, FL 32314. You can reach us by phone at (229) 247-5266 for any inquiries or assistance you may need. Join us at First Commerce and discover how we can help you achieve your financial dreams! Visit our website at firstcommercecu.org or stop by today!

Branch History & Mission

First Commerce has a proud legacy in the heart of Valdosta, Georgia. Established in 1940, we have grown alongside our community, evolving into a trusted financial partner for over 69,000 members. Our branch at 4060 Bemiss Rd, Valdosta, GA 31605 stands as a testament to our commitment to service and community involvement. Throughout the years, First Commerce has marked significant milestones that reflect our growth and dedication. From humble beginnings to managing total assets of over $1.12 billion, we have consistently expanded our services to meet the needs of our members. We are proud to offer personal banking options like checking and savings accounts, auto loans, mortgage financing, and credit card rewards programs. Our mission is simple yet powerful: to provide exceptional financial services while supporting the communities we serve. We believe that when our members thrive, so does the community. That's why we focus not only on financial success but also on community outreach initiatives and partnerships that uplift those around us. We invite you to experience the difference at First Commerce. While members can visit us at 4060 Bemiss Rd, official correspondence should be sent to P.O. Box 6416, Tallahassee, FL 32314 if needed. Our operating hours ensure accessibility for everyone: Lobby hours are Monday through Thursday from 9:00 AM to 4:00 PM and Friday from 9:00 AM to 5:00 PM. For those who prefer convenience, our drive-thru video tellers are available Monday through Friday from 7:30 AM to 6:30 PM and Saturday from 9:00 AM to 1:00 PM. As we continue to embrace digital advancements like online banking and mobile payments while maintaining ADA compliance, we remain focused on providing customer-centric services that enhance your banking experience. Join us at First Commerce today! Discover how our member-focused approach can benefit you personally or in business. Whether you're looking for a loan or simply want a safe place for your savings, we're here for you every step of the way. Call us at 229-247-5266 or visit our website at firstcommercecu.org to learn more about becoming a member and experiencing all that First Commerce has to offer!

Branch Location & Accessibility

Banking Hours and Services Offered

We know your time is valuable! That's why our lobby hours are designed to fit your busy schedule open Monday through Thursday from 9:00 AM to 4:00 PM, and Fridays until 5:00 PM. For those who prefer more flexibility, our drive-thru 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. At First Commerce, we offer a range of services tailored to meet your needs. From personal checking and savings accounts to auto loans and mortgage refinancing, you'll find everything you need under one roof. Plus, with ATM access available at this location, cash withdrawals and balance checks are always within reach.

Nearby Landmarks and Accessibility

Nestled in the heart of Lowndes County, we're just a stone's throw away from popular spots like the Valdosta Mall and the beautiful Freedom Park. Our location is easily accessible, featuring ample parking and ADA-compliant entrances to ensure everyone can visit us with ease. While members can visit us at 4060 Bemiss Rd, please remember that any official correspondence should be sent to our mailing address: P.O. Box 6416, Tallahassee, FL 32314.

Visit Us Today!

Ready to experience friendly service and financial solutions? Give us a call at 229-247-5266 or stop by our Valdosta branch today. We look forward to helping you achieve your financial goals!

Member Eligibility

At First Commerce, we believe that everyone deserves a chance to be part of a caring and supportive financial community. If you're looking to join us, you'll be pleased to know that membership is open to individuals who live, work, or worship in our local area. This means that whether you're a long-time resident or new to the neighborhood, you can enjoy all the benefits we have to offer. Our members have access to a range of financial services designed with their needs in mind, from personalized banking options to competitive loan rates. Becoming a member is simple and welcoming! To get started, just visit us at our branch located at 4060 Bemiss Rd Valdosta Ga 31605 or give us a call at (229) 247-5266 for more information. For further details on eligibility requirements, feel free to check out our website at . We're excited for you to join our family and experience all the advantages of being part of First Commerce!

Business Banking & Commercial Services

Business Loans for 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

In addition to loans, our merchant services simplify payment processing, allowing you to focus on what you do best running your business. Imagine accepting payments from customers effortlessly, whether they pay by card or mobile app. Our systems are user-friendly and reliable, ensuring that transactions are smooth for both you and your customers. Located at 4060 Bemiss Rd Valdosta Ga 31605 in Valdosta, GA, we are here to partner with you every step of the way. Reach out today at (229) 247-5266 to learn how we can help your business thrive!

Comprehensive List Of Services

Accessibility at Your Fingertips

For those who prefer face-to-face interactions but need flexibility, our drive-thru service allows for quick deposits, withdrawals, and simple transactions without leaving your vehicle. We also have an ATM available at 4060 Bemiss Rd Valdosta Ga 31605 for added convenience. We invite you to explore all that First Commerce has to offer. For more information about our comprehensive list of services or if you're ready to take the next step towards achieving your financial goals, don't hesitate to reach out! Give us a call at (229) 247-5266, visit us at 4060 Bemiss Rd Valdosta Ga 31605, or check out our website at Valdosta (bemiss) Ga, Financial Center. Let us help you make the most of your financial future!

Business Banking Services

If you're a small business owner in Valdosta, our business banking services are designed just for you. From merchant services that simplify transactions to business loans tailored for growth, we provide the tools needed to support your ventures.

Credit Options That Reward You

At First Commerce, we understand that having reliable credit options is essential. That's why we offer credit cards with rewards programs that allow you to earn points for everyday purchases. This means every swipe can bring you closer to exciting rewards while helping you build your credit score.

Digital Banking Convenience

In today's fast-paced world, convenience is key. With our online and mobile banking services, managing your accounts has never been easier. You can check balances, transfer funds, and even pay bills right from your smartphone or computer anytime and anywhere. Plus, our ATM services offer easy access for cash withdrawals and balance checks without any hassle.

Personal Banking Solutions

When it comes to personal banking, First Commerce offers a variety of accounts designed for your everyday needs. You can choose from checking and savings accounts that fit your lifestyle, making it easy to manage your finances. If you're planning to buy a car or need financing for a vehicle, our auto loans and vehicle financing options provide competitive rates that can help get you on the road faster. For those considering homeownership or refinancing, we offer mortgage loans that cater to different budgets and situations. Our team is ready to assist you in navigating the application process so you can secure the best possible terms for your new home. Additionally, if you're facing unexpected expenses or want to consolidate debt, our personal loans are available with flexible terms to ease your financial burden.

Digital & Online Banking

Key Features

Our online banking platform at https://www.firstcommercecu.org/ is user-friendly and packed with features that make banking simpler than ever. You can easily view your account balances, transfer funds between accounts, and even manage your bills online. Plus, with the option for electronic signature authorization, signing documents has never been easier or more secure. For those who prefer to keep track of their finances on their mobile devices, our mobile application is available for download. This app allows you to carry out transactions at your fingertips whether you're checking your balance or making person-to-person transfers with just a few taps. And if you love cashless payments, our mobile payments feature lets you shop conveniently without needing physical cards.

Stay Informed

We know how important it is to stay updated on your financial activities. That's why we offer e-statements that are not only eco-friendly but also ensure you have quick access to your account information right when you need it. No more waiting for paper statements in the mail! At First Commerce, we understand that accessibility and security are paramount. Our online banking platform is designed with advanced security measures to keep your information safe while providing the convenience of real-time account management. Explore all these features and more by visiting us at https://www.firstcommercecu.org/ today! Whether you're at home or on the move, we're here to make banking work for you.

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 is robust; with $12,143 in used auto loans and $812,933,967 in total loans and leases, we support our members' financial goals across various sectors.

Member-Centric Savings

Your 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 operational efficiency is reflected in our $3,817,749, which enables 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. This ensures our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

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 Transparency

Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 140,804, showing a strong and growing member base that trusts us with their finances. 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 4060 Bemiss Rd Valdosta Ga 31605 or call (229) 247-5266 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 financing options for both new and used vehicles, making it easier for you to drive away in the car of your choice.

Business Loans

For business owners, our outstanding commercial loans totaling $94,712,847 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in equipment or inventory, our business loans are tailored to support your entrepreneurial journey. We also offer refinancing options on many of our products. If you're interested in exploring eligibility options or want more information about any of our loan offerings, please feel free to reach out. You can contact us at 229-247-5266 or visit us at our branch located at 4060 Bemiss Rd Valdosta Ga 31605. We're here to help you navigate your financial journey every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Credit Lines

For those who need more flexibility in their borrowing options, we have credit lines available totaling $190,664,354. This option allows you to access funds as needed without having to apply for a loan each time.

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

Unsecured Credit Cards

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. These cards can be a great way to cover unexpected expenses while building your credit history at the same time.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 means every loan offer you see is fair and transparent, allowing you to trust the information presented.

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: Enjoy up-to-date loan rates from multiple institutions, helping you make well-informed choices. 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!" Ready to find the best rates? Compare real-time loan offers today at LendMesh and discover the options that suit 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