Credit union · NCUA insured
First Commerce Credit Union
A $1.2B credit union, the 401st largest of 4,329, headquartered in Tallahassee, FL, with 73,982 members and 14 branches in 2 states.
First Commerce Credit Union Carrot Score
77
Carrot Score
Higher than 44% of U.S. banks and credit unions
#10 of 18 in Tallahassee, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Commerce Credit Union
Established in 1940, First Commerce Credit Union was founded as a financial resource for employees and families of the Florida Department of Commerce.
Today, it operates as a member-owned cooperative serving nearly 40 counties across North Florida and South Georgia.
- Headquarters
- 2073 Summit Lake Dr Ste 100, Tallahassee, FL 32317
- NCUA charter
- 68301
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who joins the FCCU Foundation by making a minimum one-time unrestricted contribution of $15 is eligible for membership.
Where you live or work
- Individuals who live or work in designated counties across North Florida and South Georgia are eligible for membership.
Employers and groups
- Employees of listed participating employers and associations are eligible for membership.
- Clients of Six Pillars Financial Advisors are eligible for membership.
Military, government and schools
- Employees of the Florida National Guard are eligible for membership.
Family and household
- Individuals with an immediate family member who is already a member are eligible to join.
Cost to join
- Joining via the FCCU Foundation requires a one-time minimum contribution of $15.
- Opening an account requires $5 plus a minimum opening deposit based on the account type.
Branches
14 branches in 2 states
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Florida
8 branches
Tallahassee area · 6
- Ronald W. Fye Administrative FacilityMain office2073 Summit Lake Dr Ste 100, Tallahassee, FL 32317Directions
- Blairstone Financial Center1741 Old Saint Augustine Rd, Tallahassee, FL 32301Directions
- Bradfordville Financial Center6725 Thomasville Rd, Tallahassee, FL 32312Directions
- Mahan Financial Center2330 Mahan Dr, Tallahassee, FL 32308Directions
- Thomasville Road Financial Center3343 Thomasville Rd, Tallahassee, FL 32308Directions
- Westside Financial Center1460 Capital Cir NW, Tallahassee, FL 32303Directions
Marianna area · 1
- Marianna Financial Center4472 Lafayette St, Marianna, FL 32446Directions
Panama City area · 1
- Stanford Centre Panama City Financial Center1022 W 23rd St, Panama City, FL 32405Directions
Georgia
6 branches
Valdosta area · 3
- Valdosta (Bemiss) GA, Financial Center4060 Bemiss Rd, Valdosta, GA 31605Directions
- Valdosta Inner Perimter3312 Inner Perimeter Rd, Valdosta, GA 31602Directions
- Valdosta Mall Financial Center1830 Norman Dr Ste B, Valdosta, GA 31601Directions
Adel area · 1
- Adel GA, Financial Center101 N Hutchinson Ave, Adel, GA 31620Directions
Nashville area · 1
- Nashville GA, Financial Center301 S Davis St, Nashville, GA 31639Directions
Thomasville area · 1
- Thomasville, GA Financial Center11395 Highway 319 N, Thomasville, GA 31757Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.13% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.50% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.69% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $93 | $88 | — |
- CapitalNet worth ratio10.13%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.50%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.69%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$93Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First Commerce Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.