The First Commerce Credit Union All Credit Levels is a cdfi lender from First Commerce Credit Union. The annual fee is $0. The ongoing APR is 6.75% after a 4.99% introductory rate for 6 months. Rewards: option to earn rewards on every purchase. This product reports activity to your personal credit report. First Commerce Credit Union is a not-for-profit financial institution based in Tallahassee, FL, dedicated to providing financial services and solutions to its members in North Florida and South Georgia. The credit union focuses on improving the financial well-being of the communities it serves by offering a range of banking products and financial education resources. Services include: personal loans, mortgages, auto loans. US Treasury certified CDFI Credit Union in Tallahassee, FL. Membership required.