Credit union · NCUA insured
First Commerce Credit Union Credit Card Rates
First Commerce Credit Union credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How First Commerce Credit Union’s credit card rates compare
Compared with banks and credit unions near Tallahassee, FL, where First Commerce Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Commerce Credit Union
11.74%APR
- Up to
- 17.99% APR
Visa Platinum
Lowest rate
tMH Federal Credit Union
8.99%APR
- Up to
- —
2nd-lowest rate
BCFCU
9.90%APR
- Up to
- —
First Commerce Credit Union credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Commerce Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum
For California borrowers, the card is secured by personal property and shares. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74%–17.99% | None | Variable APR based on Prime Rate. Rate determined at account opening based on creditworthiness. |
Visa Platinum Rewards
For California borrowers, the card is secured by personal property and shares. No annual fee. Earns rewards points via uChoose Rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99%–17.99% | None | Variable APR based on Prime Rate. Rate determined at account opening based on creditworthiness. |
Who can join First Commerce Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.