First Commerce Credit Union

What their website says about applying

• To apply or discuss your business borrowing needs, please contact our Business Services Team, schedule an appointment, or visit one of our locations. source
• INCOME VERIFICATION: Paystubs covering most recent 30 days of employment plus Year-to-Date Totals, and the last two years of W-2s or, if self-employed, last two years’ tax returns. source
• Apply today or schedule an appointment to speak with a team member in person at a financial center or by phone. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• Collateral flexible or not always required Borrow for up to 3 years with just your signature as collateral. source
• First-time homebuyer program First-Time Homebuyer Solutions source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Mortgage and personal loan amounts are stated only for some sub-products, and no small-business or equipment loan pages were fetched beyond SBA. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
2. Is there a minimum credit score, and do you consider borrowers with little or no credit history?
   Their website does not say what credit history they accept.
3. Do you offer free coaching or help preparing my application?
   CDFI certification requires development services, such as training or advice, alongside lending.
4. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the NCUA as FIRST COMMERCE (charter 68301). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

Figures from the 5300 Call Report filed by First Commerce Credit Union (NCUA charter 68301, filed as “FIRST COMMERCE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Loan mix (balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

First Commerce Credit Union reported 545 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $79.5M (median loan about $105,000). 108 were home-purchase loans.

Included above: 241 home-equity or other open-end lines of credit; 4 loans on manufactured homes.

Where the loans were made

Counties with the most 2025 originations, out of 35 counties with at least one; 73% of its 2025 loans were for properties in Florida:

• Leon County, FL (269)
• Lowndes County, GA (42)
• Thomas County, GA (36)
• Wakulla County, FL (33)
• Jackson County, FL (28)
• Cook County, GA (24)
• Gadsden County, FL (16)
• Berrien County, GA (15)

Filed under LEI 549300GMNBYF84V5RF83 as “First Commerce Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.

The SBA's public loan data lists 5 SBA-backed approvals for First Commerce Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):

• 5 504 projects as the third-party (first-lien) lender: $2.9M in total (its own third-party loan amount), median $321,600

By fiscal year: FY2020 0 · FY2021 0 · FY2022 1 · FY2023 0 · FY2024 2 · FY2025 2 · FY2026 0.

How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “First Commerce CU”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. First Commerce Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

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