Last Updated: 04/18/2025
First Commerce Credit Union Signature Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
11.24% - 17.99%(Verified 06/21/2024)
Amount Range
Up to $40,000
Loan Term (Months)
Up to 36
First Commerce Credit Union Signature Loans Review
First Commerce Credit Union Signature Loans is offered by First Commerce Credit Union, a credit union founded in 1940 and based in Tallahassee, FL. First Commerce Credit Union Signature Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 11.24%. Personal loan interest rates typically range between 9% and 36%. The starting rates for First Commerce Credit Union Signature Loans are on the higher end of the spectrum.
First Commerce Credit Union Signature Loans Pros & Cons
| Pros | Cons |
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First Commerce Credit Union Signature Loans FAQ
What interest rates and personal loan terms does First Commerce Credit Union Signature Loans offer?
First Commerce Credit Union Signature Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does First Commerce Credit Union Signature Loans offer?
First Commerce Credit Union Signature Loans offers a fixed APR personal loan product that ranges from 11.24% APR up to 17.99% APR.
What is the maximum loan term you can get with First Commerce Credit Union Signature Loans?
First Commerce Credit Union Signature Loans offers loans with terms of up to 36 months.
| Personal Loan Amount | up to $40000.00 |
| Loan Term | up to 36 months |
| APR | 11.24% - 17.99% |
What fees does First Commerce Credit Union Signature Loans charge?
Does First Commerce Credit Union Signature Loans charge an origination fee?
First Commerce Credit Union Signature Loans may charge a personal loan origination fee .
Does First Commerce Credit Union Signature Loans charge a late fee?
First Commerce Credit Union Signature Loans does not disclose whether it charges late payment fees.
Does First Commerce Credit Union Signature Loans charge prepayment fees?
No, First Commerce Credit Union Signature Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for First Commerce Credit Union Signature Loans?
First Commerce Credit Union Signature Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. First Commerce Credit Union Signature Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by First Commerce Credit Union Signature Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does First Commerce Credit Union Signature Loans report your account activity to credit bureaus?
Yes, First Commerce Credit Union Signature Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does First Commerce Credit Union perform a hard credit pull?
Yes, First Commerce Credit Union Signature Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are First Commerce Credit Union Signature Loans legit?
First Commerce Credit Union was founded in 1940, it is a well-established company that has been in business for 86 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed