Don’t Forget to Sign Your Opt-In Agreement!

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.

About First Commerce Credit Union

Founded in 1940, First Commerce is a member-owned cooperative with a proud history of serving the financial needs of members across South Georgia and North Florida. Driven by a mission to empower people to enhance their financial well-being, First Commerce has enjoyed solid financial performance and steady growth for nearly 80 years. First Commerce is a strong, secure, and well-capitalized credit union, with more than $600 million in total assets. In 2018, First Commerce was ranked among the top 100 credit unions in deposit growth in the nation.

First Commerce is also deeply rooted in service and philanthropy to the community, including a strong commitment to financial literacy through the FCCU Foundation. Every year, the Foundation delivers free financial literacy courses to organizations such as high schools, colleges, universities, churches, businesses and charitable/nonprofit organizations. In addition to the Foundation, First Commerce also donates to local communities, sponsorships, and provides contributions to charities/nonprofit organizations and schools.

First Commerce currently operates 12 locations across South Georgia and North Florida, including Valdosta and Thomasville, as well as Tallahassee and Marianna, Florida. The credit union offers a wide variety of products and services for consumers and businesses, along with investment services through its wholly-owned subsidiary, Six Pillars Financial Advisors and insurance services including auto, home, and life through First Commerce Insurance Agency. Learn more about First Commerce, its mission and its products at