Empowering Our Members and Communities
At First Commerce, you’re more than just a customer – you’re a member and a co-owner! Being part of a member-owned financial cooperative means you benefit from lower loan rates, fewer and lower fees, higher savings rates, and a local team dedicated to helping you pursue your financial goals. We’re passionate about helping our consumer and business members bank easier and live better.
Open an Account
Membership Eligibility
You’re eligible to join if you live or work in one of the following counties:
North Florida:
Baker, Bay, Calhoun, Columbia, Dixie, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Liberty, Madison, Suwannee, Taylor, Wakulla, Walton, and Washington.
South Georgia:
Atkinson, Ben Hill, Berrien, Brooks, Clinch, Coffee, Colquitt, Cook, Echols, Decatur, Grady, Irwin, Lanier, Lowndes, Mitchell, Thomas, Tift, and Worth.
Family
You are also eligible for membership if an immediate family member is already a member.
Employees of the following participating employers are eligible as well:
- American Postal Workers Union
- American Institute of Architects
- Florida Pharmacy Association
- The Florida Bar
- Florida League of Cities
- Florida Optometric Association
- Florida National Guard
- Florida Engineering Society
- Six Pillars Financial Advisors
- FCCU Foundation, Inc.
- Goodwill Industries – Big Bend, Inc.
You’re eligible to join if you live or work in one of the following counties:
North Florida:
Baker, Bay, Calhoun, Columbia, Dixie, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Liberty, Madison, Suwannee, Taylor, Wakulla, Walton, and Washington.
South Georgia:
Atkinson, Ben Hill, Berrien, Brooks, Clinch, Coffee, Colquitt, Cook, Echols, Decatur, Grady, Irwin, Lanier, Lowndes, Mitchell, Thomas, Tift, and Worth.
Family
You are also eligible for membership if an immediate family member is already a member.
Employees of the following participating employers are eligible as well:
- American Postal Workers Union
- American Institute of Architects
- Florida Pharmacy Association
- The Florida Bar
- Florida League of Cities
- Florida Optometric Association
- Florida National Guard
- Florida Engineering Society
- Six Pillars Financial Advisors
- FCCU Foundation, Inc.
- Goodwill Industries – Big Bend, Inc.
If your business or organization is not listed and is not located in one of the counties listed above, but you’d like to offer credit union membership to your employees, contact us with your name, organization name, and telephone number, and note “SEG Inquiry” in the subject line.
FCCU Foundation Contributions
Anyone who joins the FCCU Foundation is eligible for membership in First Commerce Credit Union by making a minimum contribution of $15. This one-time contribution is an unrestricted gift to the Foundation, which supports its ongoing charitable efforts to empower people to enhance their financial well-being.
Six Pillars Clients
If you are a client of Six Pillars Financial Advisors, you are eligible for membership in First Commerce.
Becoming a Member Is Easy!
Open an account online with $5, plus a minimum opening deposit based on the type of account you open. You may also visit any of our locations or call us.
Discover More Possibilities
Digital & Mobile Banking
Find out what First Commerce’s powerful Digital Banking tools can do for you.
Savings Accounts
If you’re looking for more flexibility with your savings, we offer traditional savings accounts too.
Meet With a Financial Services Officer
Schedule an appointment with one of our knowledgeable Financial Services Officers to review your finances and determine steps you can take to improve your financial well-being.
Digital & Mobile Banking
Find out what First Commerce’s powerful Digital Banking tools can do for you.
Savings Accounts
If you’re looking for more flexibility with your savings, we offer traditional savings accounts too.
Meet With a Financial Services Officer
Schedule an appointment with one of our knowledgeable Financial Services Officers to review your finances and determine steps you can take to improve your financial well-being.
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 simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 80 years of financial expertise.
