Deposit and Loan Rates
First Commerce offers local strong, competitive rates.
Deposit and Loan Rates
First Commerce offers local strong, competitive rates.
Deposit and Loan Rates
Rates are accurate as of April 19, 2024 and are subject to change without notice. For more information on fees and terms, please see individual account and product pages or contact a Member Services Representative at 850.488.0035 or 1.800.533.5772.
Deposit Account Rates
First Commerce offers competitive rates for checking accounts, savings accounts, CDs, IRAs, and money market accounts. We also provide competitive rates and flexible terms for car loans, RV and boat loans, mortgages, home equity loans and lines of credit, land loans, personal loans, and credit cards. Click here for credit card rates.
| Average Daily Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| Up to $2,500 | 0.00% | 0.00% |
| $2,500.01 - $5,000 | 0.05% | 0.05% |
| $5,000.01 - $10,000 | 0.10% | 0.10% |
| $10,000.01 - $25,000 | 0.15% | 0.15% |
| $25,000.01 and above | 0.20% | 0.20% |
| Average Daily Balance | Dividend Rate/APY |
|---|---|
| Balances up to $2,499.99 | 0.00% |
| $2,500 – $4,999.99 | 0.05% |
| $5,000 – $14,999.99 | 0.10% |
| $15,000 – $24,999.99 | 0.15% |
| $25,000 and above | 0.05% |
| Average Daily Balance | Prospective Dividend Rate* | APY |
|---|---|---|
| $5.00 – $3,000.00 | 2.50% | 2.53% |
| $3,000.01 or above | 0.25% | 0.25% |
*All dividends are posted quarterly.
| Average Daily Balance | Prospective Dividend Rate/APY* |
|---|---|
| $5.00 – $2,499.99 | 0.12% |
| $2,500.00 – $9,999.99 | 0.18% |
| $10,000.00 – $24,999.99 | 0.30% |
| $25,000.00 – $49,999.99 | 0.45% |
| $50,000.00 and above | 0.60% |
*All dividends are posted quarterly.
| Average Daily Balance | Prospective Dividend Rate/APY* |
|---|---|
| $5.00 | 0.15% |
*All dividends are posted quarterly.
| Term | Dividend Posting | APY* | Dividend Rate |
|---|---|---|---|
| 91 days (not offered on IRAs) | Monthly | 0.60% | 0.60% |
| Special 5 Month- Current Member** | Monthly | 5.25% | 5.13% |
| Special 5 Month- New Member** | Monthly | 5.00% | 4.89% |
| 182 days | Monthly | 1.50% | 1.49% |
| 12 months | Monthly | 2.70% | 2.67% |
| Special 15 Month- Current Member** | Monthly | 5.25% | 5.13% |
| Special 15 Month- New Member** | Monthly | 5.00% | 4.89% |
| 18 months | Monthly | 2.75% | 2.72% |
| 2 years | Monthly | 2.90% | 2.86% |
| 3 years | Monthly | 3.00% | 2.96% |
| 4 years | Monthly | 3.10% | 3.06% |
*APY=Annual Percentage Yield. CD=Certificate of Deposit. Penalties apply for early withdrawal and any fees could reduce the yield. Minimum opening balance is $1,000. **Current members who established membership prior to opening a 5- month or 15-month Promotional CD will receive the current member rate and may open two CDs. New members will receive the new member rate and may open one CD during the promotional period. Annual percentage yield (APY) assumes principal and dividends remain on deposit for the 5-month or 15-month term of the certificate (CD). APY is accurate as of 03-04-2024. Minimum balance to open and earn dividends is $1,000. Early withdrawal penalties apply. Offer good for initial term only and will renew as a standard 6-month CD if member selects 5-month promotional CD or a 12-month CD if member selects 15-month CD. Offer applies for consumer, business, and IRA CDs. No monies accepted from brokers or financial institutions. FCCU reserves the right to end promotion at any time. Insured by NCUA.
| Traditional IRA | Roth IRA | Education IRA | |
|---|---|---|---|
| Average Daily Balance | Dividend Rate/APY | Dividend Rate/APY | Dividend Rate/APY |
| $50.00 – $9,999.99 | 0.10% | 0.10% | 0.10% |
| $10,000.00 – $24,999.99 | 0.35% | 0.35% | 0.35% |
| $25,000.00 – $49,999.99 | 0.50% | 0.50% | 0.50% |
| $50,000.00 – $99,999.99 | 0.75% | 0.75% | 0.75% |
| $100,000.00 – $249,999.99 | 1.00% | 1.00% | 1.00% |
| $250,000.00 – $499,999.99 | 1.05% | 1.05% | 1.05% |
| $500,000.00 and above | 1.09% | 1.09% | 1.09% |
Dividends are posted monthly for all IRA accounts.
| Average Daily Balance | Dividend Rate¹ | APY | Power Checking Dividend Rate¹’² | Power Checking APY |
|---|---|---|---|---|
| Up to $9,999.99 | 0.10% | 0.10% | 0.15% | 0.15% |
| $10,000.00 – $24,999.99 | 0.35% | 0.35% | 0.40% | 0.40% |
| $25,000.00 – $49,999.99 | 0.50% | 0.50% | 0.55% | 0.55% |
| $50,000.00 – $99,999.99 | 0.75% | 0.75% | 0.80% | 0.80% |
| $100,000.00 – $249,999.99 | 1.00% | 1.00% | 1.05% | 1.05% |
| $250,000.00 – $499,999.99 | 1.05% | 1.05% | 1.09% | 1.10% |
| $500,000.00 and above | 1.09% | 1.10% | 1.14% | 1.15% |
¹A $10 monthly fee will be assessed on balances below $2,500. ²Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly.
| Average Daily Balance | Dividend Rate³ | APY³ |
|---|---|---|
| Up to $9,999.99 | 5.00% | 5.08% |
| $10,000.00 - $24,999.99 | 3.00% | 3.84% |
| $25,000.00 - $49,999.99 | 2.00% | 2.92% |
| $50,000.00 - $99,999.99 | 1.50% | 2.21% |
| $100,000.00 - $249,999.99 | 1.00% | 1.49% |
| $250,000.00 - $499,999.99 | 0.75% | 1.12% |
| $500,000.00 and above | 0.75% | 1.12% |
Members dividends will be calculated as 5.00% for balances between $.01 & $9,999.99, 3.00% for balances between $10,000 and $24,999.99, 2.00% for balances between $25,000 and $49,999.99, 1.50% for balances between $50,000 and $99,999.99, 1.00% for balances between $100,000 and $249,999.99, and .75% for balances $2500,000 or more. ³APY = Annual Percentage Yield. 5% APY applied to balances up to $9,999.99 only. APY accurate as of 2/29/2024. Minimum opening deposit for Power Move Money Market Account is $2500. Minimum opening deposit for Power Checking is $25. Power Move Money Markey accounts must also have an active Power Checking account. Power Move Money Market accounts have a required sweep feature that is linked to the Power Checking account. If the balance in the Power Checking account on any business day is over $20,000.00, the amount exceeding $20,000 will be automatically swept from the Power Checking account to the Power Move Money Market account. If the balance in the Power Checking account on any business day is under $20,000, the amount of the shortage will be automatically swept from the Power Move Money Market account to the Power Checking account. Members who elect to open a Power Move Money Market account are limited to one Money Market account. Visit www.firstcommercecu.org/powermove for more information. Insured by NCUA.
Rates are accurate as of and are subject to change without notice.
Deposit Account Rates
First Commerce offers competitive rates for checking accounts, savings accounts, CDs, IRAs, and money market accounts. We also provide competitive rates and flexible terms for car loans, RV and boat loans, mortgages, home equity loans and lines of credit, land loans, personal loans, and credit cards. Click here for credit card rates.
*All dividends are posted quarterly.
*All dividends are posted quarterly.
*All dividends are posted quarterly.
*APY=Annual Percentage Yield. CD=Certificate of Deposit. Penalties apply for early withdrawal and any fees could reduce the yield. Minimum opening balance is $1,000. **Current members who established membership prior to opening a 5- month or 15-month Promotional CD will receive the current member rate and may open two CDs. New members will receive the new member rate and may open one CD during the promotional period. Annual percentage yield (APY) assumes principal and dividends remain on deposit for the 5-month or 15-month term of the certificate (CD). APY is accurate as of 03-04-2024. Minimum balance to open and earn dividends is $1,000. Early withdrawal penalties apply. Offer good for initial term only and will renew as a standard 6-month CD if member selects 5-month promotional CD or a 12-month CD if member selects 15-month CD. Offer applies for consumer, business, and IRA CDs. No monies accepted from brokers or financial institutions. FCCU reserves the right to end promotion at any time. Insured by NCUA.
Dividends are posted monthly for all IRA accounts.
¹A $10 monthly fee will be assessed on balances below $2,500. ²Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly.
Members dividends will be calculated as 5.00% for balances between $.01 & $9,999.99, 3.00% for balances between $10,000 and $24,999.99, 2.00% for balances between $25,000 and $49,999.99, 1.50% for balances between $50,000 and $99,999.99, 1.00% for balances between $100,000 and $249,999.99, and .75% for balances $2500,000 or more. ³APY = Annual Percentage Yield. 5% APY applied to balances up to $9,999.99 only. APY accurate as of 2/29/2024. Minimum opening deposit for Power Move Money Market Account is $2500. Minimum opening deposit for Power Checking is $25. Power Move Money Markey accounts must also have an active Power Checking account. Power Move Money Market accounts have a required sweep feature that is linked to the Power Checking account. If the balance in the Power Checking account on any business day is over $20,000.00, the amount exceeding $20,000 will be automatically swept from the Power Checking account to the Power Move Money Market account. If the balance in the Power Checking account on any business day is under $20,000, the amount of the shortage will be automatically swept from the Power Move Money Market account to the Power Checking account. Members who elect to open a Power Move Money Market account are limited to one Money Market account. Visit www.firstcommercecu.org/powermove for more information. Insured by NCUA.
Rates are accurate as of and are subject to change without notice.
Loan Rates
| Term | Annual Percentage Rate | Payment Per $1,000 Borrowed |
|---|---|---|
| 48 months or less | 6.24% – 17.99% | $23.60 – $29.37 |
| 60 months | 6.49% – 17.99% | $19.56 – $25.39 |
| 66 months | 6.74% – 17.99% | $18.17 – $23.97 |
| 72–75 months (minimum $15,000) For qualified borrowers | 6.99% – 13.49% | $16.50 – $20.33 |
| 84 months (minimum $25,000) For qualified borrowers | 7.49% – 14.24% | $15.33 – $18.87 |
| Term | Annual Percentage Rate | Payment Per $1,000 Borrowed |
|---|---|---|
| 48 months or less | 6.49% – 17.99% | $23.71 – $29.37 |
| 60 months | 6.74% – 17.99% | $19.68 – $25.39 |
| 66 months | 6.99% – 17.99% | $18.29 – $23.97 |
| 72 months (minimum $15,000) | 7.49% – 13.99% | $17.29 – $20.60 |
| 84 months (minimum $25,000) For qualified borrowers | 7.99% – 11.24% | $15.58 – $17.25 |
| Term | Amount Borrowed | Annual Percentage Rate | Monthly Payment Per $1,000 Borrowed |
|---|---|---|---|
| 5 years or less | Up to 90% of market value | 6.24% – 11.99% | $19.44 – $22.24 |
| 5–10 years | Up to 90% of market value | 7.24% – 12.99% | $11.73 – $14.93 |
| 10–15 years | Up to 90% of market value | 7.74% – 12.99% | $9.41 – $12.65 |
| 15–20 years* | Up to 90% of market value | 8.74% – 12.99% | $8.83 – $11.71 |
| 30 years* | Up to 80% of market value | 9.74% – 10.74% | $8.58 – $9.33 |
*Minimum loan of $40,000 for 20-year term; $75,000 for 30-year term. Your rate will be determined after credit review, term selection, and final total Loan-to-Value.
| Term | Amount | Annual Percentage Rate | Other Rate Information |
|---|---|---|---|
| Up to 20 years | $10,000 – $500,000 (up to 90% of market value) | As low as 5.00% | 2% annual cap; 6% lifetime cap; 5% minimum/18% maximum |
| Term | Annual Percentage Rate | Payment Per $1,000 Borrowed |
|---|---|---|
| 5 years or less | 8.99% – 15.99% | $20.76 – $24.73 |
| 5 to 10 years | 9.99% – 16.99% | $13.22– $24.59 |
| 15 to 20 years ($40,000 minimum) | 10.49% – 17.99% | $11.06 – $16.08 |
| Term | Annual Percentage Rate | Payment Per $1,000 Borrowed |
|---|---|---|
| Up to 4 years | 7.04% – 17.99% | $23.96 – $29.37 |
| 6 years ($15,000+) | 7.29% – 17.99% | $17.19 – $22.80 |
| 10 years ($50,000+) | 8.99% – 17.99% | $12.66 – $18.01 |
| 15 years ($75,000+) | 9.24% – 15.99% | $10.29 – $14.68 |
Rates are accurate as of and are subject to change without notice.
| Term | Annual Percentage Rate |
|---|---|
| $500 – $40,000 | 12.24% – 17.99% |
| Term | Annual Percentage Rate | Payment Per $1,000 Borrowed |
|---|---|---|
| Up to 3 years | 11.24% – 17.99% | $32.85 – $36.15 |
*Minimum loan of $40,000 for 20-year term; $75,000 for 30-year term. Your rate will be determined after credit review, term selection, and final total Loan-to-Value.
Rates are accurate as of and are subject to change without notice.
Rates are accurate as of April 19, 2024 and are subject to change without notice.
Contact Us
If you have additional questions about our savings or loan options, we are happy to help. Schedule an appointment to talk with a Financial Services Officer at any of our financial centers, send an email inquiry to FCCUMemberServices@FirstCommerceCU.org, or send a secure message through Digital Banking. We look forward to talking with you.
APR = Annual Percentage Rate; APY = Annual Percentage Yield
Six Pillars Financial Advisors products and services are not federally insured; are not obligations of or guaranteed by First Commerce Credit Union; involve investment risk; and may be offered by a dual employee who accepts deposits on behalf of First Commerce Credit Union and also sells non-deposit investment products on behalf of Six Pillars Financial Advisors.
Routing #263182516 | NMLS #774895 © First Commerce Credit Union
Routing #263182516 NMLS #774895
© First Commerce Credit Union
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