Bringing You More Banking Options

We're proud to introduce secure online banking to our customers available 24 hours a day, seven days a week! At First Commerce Credit Union, you can bank with us whenever it's convenient for you!


Welcome to First Commerce Credit Union

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Important Announcement

We understand that you may be facing unexpected financial challenges during these trying times. To help relieve the stress that may be associated with making your loan payments right now, we have implemented automatic one-month loan deferrals for qualified First Commerce loans.

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First Commerce is proud to be part of your community and looks forward to the opportunity to provide you with the same high level of service you have come to expect from the same friendly faces at Citizens Bank. In order to provide you with the many benefits and advantages of credit union membership, we ask that if you were a Citizens Bank customer as of March 31, 2020, please sign and return to us the one-page Opt-In Agreement by August 26, 2020.

For details, please see the Opt-In Form.

Products & Services

Savings Accounts

Savings Account*
First Commerce Credit Union pays a competitive rate of interest compounded quarterly.
A minimum deposit of $50 is all that is required to open your account. There is no charge for withdrawals up to 3 per calendar quarter; however a withdrawal charge/debit fee of $1.00 will be made on each additional withdrawal. There will be a $2.00 minimum balance fee if the minimum balance falls below $50.00 on any day of the calendar quarter.
Limitations on frequency of transfers - During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution

Christmas Club*
Our Christmas Club requires no minimum opening deposit. Deposits may be made for any dollar amount at any time. Interest will be credited into this account annually on the November 14th. All checks will be distributed by the end of November. Any account closed before this date will receive no interest.

Certificates of Deposit*
Certificates of Deposit are designed for a predetermined time and amount. First Commerce Credit Union CD's are available in maturities from 31 days to three years, with a required minimum deposit of $1000. Interest is based on the current market rate and is set for the term of the CD at the time of purchase. A penalty may be assessed for early withdrawal.

Individual Retirement Accounts*
Your future is secure with the First Commerce Credit Union individual retirement account. If you qualify, it is possible to defer income tax on a portion of your income by opening an IRA account. Withdrawals may begin at age 591/2 and must begin by age 701/2. Substantial penalties as prescribed by law may be charged for early withdrawals from your IRA account.

* First Commerce Credit Union interest rates vary and are set periodically according to market conditions and are calculated on daily balances. See full disclosure for details regarding crediting, compounding and other specific account details.

Personal Checking

Personal Checking* No monthly minimum balance fees are incurred when you maintain a minimum balance of $1,000.00. Should your account balance drop below this level, any day of the statement cycle, a monthly minimum balance fee of $7.00 and $.22 per debit will be charged for all activity during the statement cycle.

Big C Club Checking Account* There is no minimum balance requirement on the Big C Club checking account. Basic, joint and family plans are available which include an accidental death and dismemberment insurance policy** and unlimited check writing for a membership fee of: Big C Basic - $8.00/month, Big C Joint- $10.00/month and Big C Family-$12.00/month. **This insurance product is NOT GUARANTEED OR INSURED by any depository or affiliate. NOT INSURED by any Federal Government Agency. 

Now Checking* Interest is paid on the Now account at a market rate. No minimum balance fee will be incurred on accounts maintaining $1,000 daily balance. A charge of $7.00 plus $.20 per debit will be assessed if the balance falls below $1000.00 any day of the statement cycle.

Super Now Account* Interest is paid on the Super Now account at a market rate. No minimum balance fee will be incurred on accounts maintaining a $2500 balance. A minimum balance fee of $15.00 will be accessed if the balance falls below $2500.00 any day of the statement cycle.

Money Market* A minimum balance fee of $15.00 will be imposed every statement cycle if the daily balance of the account falls below $2,500.00 any day of the statement cycle.  If the balance falls below $2,500 anytime during the statement cycle, a per debit fee of $.25 will be charged. 

Limitations on frequency of transfers - During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

*First Commerce Credit Union interest rates vary and are set periodically according to market conditions and are calculated on daily balances. See full disclosure for details regarding crediting, compounding and other specific account details.

Loan Services

First Commerce Credit Union offers the following Loan Services.

  • Personal loans for home improvement, vacations, boats, recreational vehicles and other worthwhile purposes.
  • Automobile loans to purchase your new or used automobile at competitive rates and terms.
  • If you are purchasing a new home or real estate, constructing a new home or need to refinance your existing mortgage, we can assist you in finding the right plan to fit your needs.
  • Growth in the business community is important to the continued growth of the community and a full range of financing is available to aid in the growth of the commercial market. Financing is available for all types of business.
  • With a Home Equity Line of Credit, borrowing is as convenient as writing a check, or just a phone call away.

NOTICE

S.A.F.E. Act Disclosure-Mortgage Loan Originator numbers for First Commerce Credit Union (806198)

H.Steven Perry 807640
Robert W. Watson 807647
Cara (Cissy) F. Gooden 1156064
Jeff D. Taylor 807646
Garrett L Copeland 784043
Sarah Lou Odom 807644
Twila Denise McKinnon 1710435
Tiffanie Meghan Hall 1810777
Dale Lee Harper 798127

Commercial Account Services

Business Checking Accounts 
Our Business Checking Account offers free checking for balances greater than $1,000. For balances below $1,000, the monthly service charge is $7.00 plus $.20 per debit.

Specialty Account Services

First Commerce Credit Union offers the Cardinal Club* specialty checking account with many customer benefits.

A special program for customers 50 years of age or more. Designed as an interest bearing account, there is no minimum opening deposit and no minimum daily balance requirement. You must maintain a daily balance of $500.00 to obtain the annual percentage yield. Complimentary services are as follows:

  • Free Cashier's Checks
  • Free Traveler's Checks
  • Free Money Orders
  • Direct Deposit Set-up
  • 25% Discount on Safe Deposit Box Rental
  • Notary Services
  • Free 50 package starter checks
  • Unlimited check writing
  • Free Photocopies

*First Commerce Credit Union interest rates vary and are set periodically according to market conditions and are calculated on daily balances. See full disclosure for details regarding crediting, compounding and other specific account details.

Mobile Banking

Mobile Banking at Your Fingertips

First Commerce Credit Union offers mobile banking.  You can check available balances and activity, transfer funds, pay bills, make mobile deposits, and locate branches – all on your schedule, at your convenience.

App Store Play Store

Download the First Commerce Credit Union Nashville app from the Apple App Store® or Google Play®.  The App is free and using it is easy – simply use the same online user credentials you have established for online banking.  If you’re not enrolled in online banking, go to www.nhcbanking.com. Please let us know if we can help by calling 229-543-1001!

  • Data and messaging fees may apply.  Please see your wireless carrier for details regarding your plan.
  • Fees and restrictions may apply to Mobile Deposit and Billpay services.
  • App Store is a registered trademark of Apple, Inc.  Google Play is a registered trademark of Google, Inc.

Hours & Locations

Address: 

301 S. Davis Street
Post Office Box 128
Nashville, GA 31639

Telephone: 
229-686-7444
Fax: 
229-686-3079
Lobby Hours: 

Monday-Thursday
9:00 AM - 4:00 PM

Friday
9:00 AM - 5:00 PM

Drive-Thru Hours: 

Monday-Thursday
8:00 AM - 4:00 PM

Friday
8:00 AM - 5:00 PM

Video Teller Hours: 

Monday-Friday
8:30 AM – 5:30 PM

Saturday
9:00 AM – 1:00 PM

ATM: 
Onsite
Address: 

860 Patten Ave.
Ray City, GA 31645

Telephone: 
229-455-2111
Fax: 
229-455-3266
Lobby Hours: 

Monday-Thursday
9:00 AM - 4:00 PM

Friday
9:00 AM - 5:00 PM

Drive-Thru Hours: 

Monday-Thursday
8:30 AM - 4:00 PM

Friday
8:30 AM - 5:00 PM

Closed Daily: 
1:00 - 2:00 PM
Address: 

Post Office Box 250
101 N. Hutchinson Avenue
Adel, GA 31620

Telephone: 
229-896-7402
Fax: 
229-896-7406
Lobby Hours: 

Monday – Thursday
9:00 am – 4:00 pm
Friday
9:00 am – 5:00 pm

Drive-Thru Hours: 

Monday – Thursday
8:00 am – 4:00 pm
Friday
8:00 am – 5:00 pm

Video Teller Hours: 

Monday-Friday
8:30 AM – 5:30 PM

Saturday
9:00 AM – 1:00 PM

ATM: 
Onsite
Address: 

4060 Bemiss Road
Valdosta, GA 31605

Telephone: 
229-247-5266
Fax: 
229-247-5479
Lobby Hours: 

Monday – Thursday
9:00 am – 4:00 pm
Friday
9:00 am – 5:00 pm

Drive-Thru Hours: 

Monday – Friday
9:00 am – 5:00 pm

Video Teller Hours: 

Monday-Friday
8:30 AM – 5:30 PM

Saturday
9:00 AM – 1:00 PM

ATM: 
Onsite

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