YOU Can Count On Us.

At First Commerce, our goal is to be your financial partner for life.

The health and safety of our members is at the forefront during these unprecedented times.  We understand that many of you are taking precautions and limiting face-to-face activities outside the home and adhering to social distancing guidelines. Be assured members can continue to access their money by using Digital Banking, Video Teller Machines or ATMs, calling the Member Contact Center, or scheduling an appointment at a Financial Center.

Following national and state guidelines on how to safely reopen lobby operations, we continue to evaluate the reopening process and look forward to serving members inside of our Financial Centers. 

 That's a financial partner you can count on!

Financial Center Access ›    


Serving Our Members

First Commerce wants to empower our members with the tools and resources to continue accessing their day-to-day banking needs without interruption while keeping both our members and team members healthy. 

Remote Banking Options

First Commerce provides secure convenient access anytime, anywhere with our remote banking options. Check balances, transfer funds, and pay bills right from your computer, laptop, or mobile phone. Members can access Digital Banking, setup Real-Time Text and Email Alerts, discover our Video Teller Services, and More

Business Solutions

We understand that your business may be facing unexpected financial challenges during these trying time. First Commerce is offering payment deferral for real estate secured business loans. As an SBA lender, First Commerce is providing information for local businesses about the administration of the Payroll Protection Program, including the application. 


Financial Center Access

To ensure the safety of our team members and members, we are providing lobby services by appointment only at ALL FCCU locations. Appointments will be reserved for services that require direct material assistance by a team member. We will continue to be open regular business hours with our team members available inside the financial centers to assist you with material needs through "contactless" service. Please call the financial center directly to schedule an appointment.

Closed Financial Centers:  College Town Financial Center

For your convenience, we have expanded the hours available in our Contact Center and for our Video Teller service. Both are now available on Mon-Fri from 7:30 a.m. to 7:30 p.m. and on Sat from 9 a.m. to 3 p.m.

For remote banking on the go, we encourage you to use our digital banking tools for safe and secure access to all your banking needs. 


Supporting Our Communities

As an initial response, First Commerce launched an initiative to start a wave of support for locally owned businesses in the communities we serve. Under the #LocalStrong initiative, First Commerce will distribute more than $4,000 among more than 150 team members to spend with local businesses in their community. READ MORE

Connect with us on social media for #LocalStrong updates and engagement.

Facebook › Twitter › LinkedIn › Instagram ›














Additional Information

At First Commerce, we understand that COVID-19 has created uncertainties among members of our community. We are sharing the resources below to help you keep up-to-date on the spread of the COVID-19 virus and the impact.

Centers for Disease Control (CDC)

World Health Organization (WHO)

Florida Department of Public Health

Georgia Department of Public Health

Missed our previous emails covering remote banking options, the safety precautions were taking in our Financial Centers, and a warning about the latest fraud attempts to capitalize on fear? Catch up on the latest communication to our members as we respond to the COVID-19 crisis. 

Most Recent Email - Opt-In to Pause Your First Commerce Home Loan Payment April 17, 2020

Important Details About Business Loan Deferrals April 17, 2020

Important Details About Loan Deferrals - Action Needed for Real Estate Consumer/Business and Past Due Loans April 17, 2020

Important Message for PPP Applicants April 17, 2020

IRS to Begin to Issue Stimulus Payments on April 15 April 14, 2020

New!: Additional Automatic 30-Day Loan Deferral for Loans Due Between April 20-May 19 April 08, 2020 

FLA & GA Stay-At-Home Order April 02, 2020

Tallahassee Curfew March 24, 2020

Tallahassee Lobby Closures March 19, 2020

Marianna Lobby Closures March 19, 2020

Thomasville Lobby Closures March 19, 2020

Financial Relief - Loan Payment Deferral & Pandemic Relief Loan March 19, 2020

Valdosta Lobby Closures March 18, 2020

Financial Relief - Waiving Fees March 17, 2020

Power of Prevention March 13, 2020



*ATM fees: Please note that any fees charged by the financial institution that owns the ATM will apply. iEarn!, iEarn!50+, and MyWay checking automatic surcharge refunds still apply. 

** Call Center fees: Fee waiver does not apply to loan payments from other financial institutions

FIRST MORTGAGES: If you need assistance with your mortgage, please contact us. 

Automatic Loan Deferral: Your loan maturity will be extended and regular payments will resume after the deferred payment period. Finance charges will continue to accrue as outlined in your Loanliner Agreement, Retail Installment Sales Contract or Credit Card Agreement during the deferment period. Deferred payments may not be covered under GAP waiver agreements. For FCCU Credit Card members who typically pay their credit card balance in full each month, we will not apply this deferment automatically as that would cause interest to accrue. If you would like to take advantage of the deferment knowing you will have interest accrue, please contact us directly.  Regular deferment fees will be waived.* Pandemic Relief Loan: APR = Annual Percentage Rate. Loans may not exceed $2,500 and will be unsecured loans. Loan amounts less than or equal to $1,000 will have a term of 24 months. Loan amounts greater than $1,001 will have a term of 48 months. It will take 48 monthly payments of $57.59 for a loan amount of $2,500 and 24 monthly payments of $43.88  for a loan amount of $1,000. There are no prepayment penalties, however normal late fees will apply. This loan will require an active FCCU checking account with direct deposit payroll. Members currently in bankruptcy or who have caused a prior loss to FCCU would not be eligible for this loan.