Local Strong Lending

Whether you’re buying or building, expanding, refinancing, or renovating – First Commerce is here to help. As a local financial institution, we take the time to get to know you and your business so we can find ways to say yes. That’s the power of local partnership. That’s local strong!


Business Real Estate Loan Features

The power of local partnership.

Competitive Rates

Fast Local Decisions

Fixed and Variable Rates

Amortizations up to 25 years


Owner-Occupied Property

Owner-Occupied Property

Ready to make an investment in your business by purchasing property or your own building? We can help you get there.

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Non-Owner Occupied Property

If you are considering investing in property to rent or lease, talk with a member of our Business Services Team to learn more about financing options.

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Non-Owner Occupied Property
Office Condominium Loans

Office Condominium Loans

Talk with a member of our Business Services Team about financing options.

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Custom Construction Loans

We can help you make your vision a reality.

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Custom Construction Loans
Member Testimonial

Member Testimonial

“I want to express my gratitude for one of your Loan Officers. He kept me updated each day, returned all my phone calls promptly, along with email questions. This young man went above and beyond all my expectations for customer service, and for that I will do all of my future banking with FCCU.”

Open an Account

To apply or discuss your business borrowing needs, please contact our Business Services Team, schedule an appointment, or visit one of our locations.

Business Resources

Business Checking Accounts

Business Checking Accounts

First Commerce offers checking account options for businesses and organizations of all sizes.

SBA Loans

SBA Loans

First Commerce offers loans for small businesses backed by local decision-making and personal service.

Business Credit Cards

Business Credit Cards

Get the purchasing power to move your business forward with a business credit card.

Business Checking Accounts

Business Checking Accounts

First Commerce offers checking account options for businesses and organizations of all sizes.

SBA Loans

SBA Loans

First Commerce offers loans for small businesses backed by local decision-making and personal service.

Business Credit Cards

Business Credit Cards

Get the purchasing power to move your business forward with a business credit card.

Your Financial Partner for Life

Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s offering competitive loans to help you build your business, cash management services so you can focus on your customers, or best-in-class digital banking solutions to help you manage cash flow when it’s convenient for you. When you bank with First Commerce, you get a truly personal experience backed by 80 years of financial expertise.

Your Financial Partner for Life