State Chartered Credit Unions in Florida
Public records raise at least one point you should look into before giving.
What it says it does
TO BE OUR MEMBERS' FINANCIAL PARTNERS FOR LIFE.
- Income
- $70.2 million
- Spending
- $65.1 million
- Employees
- 270
- Volunteers
- 12
- Highest pay
- $1.2 million, ceo
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. How we rate
Financial health
We do not score finances when yearly spending is very small or the return has too little detail. The ratios stop meaning much at that size.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. How we rate
Governance
This return does not answer enough of the governance questions to score.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (3)
- TALLAHASSEE'S #1 AUTO LENDING PROGRAM FOR OVER A DECADE. FIRST COMMERCE HAS EARNED THE TITLE OF TALLAHASSEE'S NUMBER ONE AUTO LENDER YEAR AFTER YEAR. THIS TITLE HAS BEEN CONSISTENTLY EARNED BECAUSE THE CREDIT UNION OFFERS A RANGE OF AUTO LOAN CHOICES FOR ALMOST EVERY BUDGET AND CREDIT LEVEL. FIRST COMMERCE'S FLEXIBLE TERMS AND COMPETITIVE RATES ALLOW MEMBERS TO PURCHASE THE VEHICLE THEY NEED AT A MONTHLY PAYMENT THEY CAN AFFORD.
- FIRST COMMERCE OFFERS A FULL RANGE OF FINANCIAL PRODUCTS FOR BUSINESSES. THEY INCLUDE LENDING FOR OPERATING EXPENSES, EQUIPMENT, INVENTORY, REAL ESTATE, AND OTHER NEEDS AS WELL AS BUSINESS CREDIT CARD OFFERINGS. DEPOSIT PRODUCTS FROM BASIC BUSINESS CHECKING TO A FULL SUITE OF TREASURY SERVICES ARE ALSO AVAILABLE. FCCU INCORPORATES INTEREST BEARING ACCOUNTS, TIME DEPOSITS, FUNDS TRANSFER, AND DIGITAL AND REMOTE BUSINESS SERVICES.
- FIRST COMMERCE CREDIT UNION OFFERS A WIDE ARRAY OF ELECTRONIC SERVICES TO MEMBERS. ALMOST 46,000 MEMBERS UTILIZE DIGITAL BANKING TO KEEP TRACK OF THEIR ACCOUNTS, MAKE TRANSFERS, MAKE MOBILE DEPOSITS AND PAY BILLS. FCCU'S BILL PAY OFFERS SAME DAY BILL PAY AND OVERNIGHT CHECK OPTIONS TO PROVIDE MEMBERS FLEXIBILITY IN HOW THEY MAKE THEIR PAYMENTS. ACCOUNT-TO-ACCOUNT TRANSFERS PROVIDE MEMBERS CONVENIENT OPTIONS IN MOVING THEIR FUNDS. OVER HALF OF OUR ACTIVE ONLINE BANKING USERS HAVE ENROLLED IN MOBILE BANKING. FCCU PRESENTS MEMBERS AND NON-MEMBERS WITH ONLINE OPTIONS TO OPEN AN ACCOUNT; APPLY FOR AUTO OR PERSONAL LOANS; AND APPLY FOR A MORTGAGE.
Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(14) credit union.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated September 30, 2026.
Are donations tax-deductible? Caution.
The IRS master file records contributions to this 501(c)(14) credit union as not deductible.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since February 1972.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 7, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.