The First Commerce Credit Union is a auto loan from First Commerce Credit Union. The ongoing APR is APR as low as 5.79% (up to 4 years) to 7.99% (15 years, $75,000+) (rates for ZIP 32301). Loan terms: Up to 4 years; 6 years ($15,000+); 10 years ($50,000+); 15 years ($75,000+).