First Commerce Credit Union
Verified rate book
Current First Commerce Credit Union rates
5 published offers verified as of August 3, 2026.
Mortgage rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Milestone Mortgageother | 4.490% APR | 4.490% | — | Standard |
| Land Loanother | 8.990% APR | 8.990% | — | Standard |
HELOC rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable) — Intro Rateheloc_variable | 4.990% APR | 4.990% | — | Introductory offer |
| Home Equity Loan (Fixed)heloc_fixed | 6.240% APR | 6.240% | — | Standard |
| HELOC Standard Variableheloc_variable | 6.750% APR | 6.750% | — | Standard |
As of August 3, 2026, First Commerce Credit Union offers mortgage rates from 4.49% APR. HELOC rates from 6.24% APR.
Source: RateAPI.dev, verified from First Commerce Credit Union's official website
Loading branch locator…
About First Commerce Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 74K
- Assets
- $1.2B
- Founded
- 1940
- Locations reported
- 14
- NCUA charter
- 68301
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join First Commerce Credit Union
Membership eligibility from First Commerce Credit Union's own published criteria. How we verify this.
Membership via employers (American Postal Workers Union +10 more)
- LocationBaker, Bay, Calhoun, Columbia, Dixie, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Liberty, Madison, Suwannee, Taylor, Wakulla, Walton, Washington, Atkinson, Ben Hill, Berrien, Brooks, Clinch, Coffee, Colquitt, Cook, Echols, Decatur, Grady, Irwin, Lanier, Lowndes, Mitchell, Thomas, Tift, Worth
- EmployerAmerican 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.
Cost to join: About $20 (a $15 membership fee plus a $5 minimum deposit).
Verified from First Commerce Credit Union's membership page. Final membership determination is always made by the credit union.
Work at First Commerce Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First Commerce Credit Union ranks against Florida peers.
Frequently Asked Questions
What rates does First Commerce Credit Union offer?
First Commerce Credit Union currently offers mortgage, and HELOC rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.
How often are First Commerce Credit Union rates updated?
RateAPI verifies First Commerce Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.
Where does RateAPI get First Commerce Credit Union's rate data?
Rate data is collected directly from First Commerce Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is First Commerce Credit Union's mortgage rate?
As of August 3, 2026, First Commerce Credit Union offers mortgage rates from 4.49% APR.
What is First Commerce Credit Union's HELOC rate?
As of August 3, 2026, First Commerce Credit Union offers home equity lines of credit from 6.24% APR.
Related Rate Data
Compare First Commerce Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack First Commerce Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for First Commerce Credit Union
curl "https://api.rateapi.dev/credit-unions/florida/first-commerce" \
-H "Authorization: Bearer YOUR_API_KEY"