Deposit Rates & Loan Rates

Rates are subject to change without notice. For more information on fees and terms, please see individual account and product pages or contact a First Commerce Financial Services Officer 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.

iEarn! Checking Interest Rates

Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.99 0.00% 0.00%
$1,000.00 – $2,499.99 0.05% 0.05%
$2,500.00 – $9,999.99 0.10% 0.10%
$10,000.00 – $24,999.99 0.20% 0.20%
$25,000.00 and above 0.05% 0.05%

iEarn!50+ Checking Interest Rates

Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.99 0.00% 0.00%
$1,000.00 – $2,499.99 0.05% 0.05%
$2,500.00 – $4,999.99 0.10% 0.10%
$5,000.00 – $9,999.99 0.20% 0.20%
$10,000.00 – $24,999.99 0.30% 0.30%
$25,000.00 and above 0.05% 0.05%

CD Rates

Our rates are consistently ranked at the top of the market. Penalties apply for early withdrawal.

TermDividend PostingAnnual Percentage YieldDividend Rate
91 days Monthly 0.25% 0.25%
182 days Monthly 0.70% 0.70%
12 month Monthly 1.40% 1.39%
13 month Monthly 1.50% 1.49%
18 month Monthly 1.70% 1.69%
2 year Monthly 1.40% 1.39%
3 year Monthly 1.50% 1.49%
4 year Monthly 1.66% 1.65%

EvenUp Savings Rates

Average Daily BalanceDividend PostingDividend RateAnnual Percentage Yield
$5.00 – $3,000.00 Quarterly 3.00% 3.04%
$3,000.01 or more Quarterly 0.50% 0.50%

iSave! Rates

Average Daily BalanceDividend PostingDividend RateAnnual Percentage Yield
First $1,000 Quarterly 2.25% 2.26%
$1,000.01 and up Quarterly 0.05% 0.05%

Holiday Club Rates

Average Daily BalanceDividend PostingDividend RateAnnual Percentage Yield
$5 Quarterly 0.50% 0.50%

IRA Rates

Dividends are posted monthly for all IRA accounts.

 Traditional IRARoth IRAEducation IRA
Average Daily BalanceDividend RateAPYDividend RateAPYDividend RateAPY
$50.00 – $9,999.99 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%
$10,000.00 – $24,999.99 0.10% 0.10% 0.10% 0.10% 0.05% 0.05%
$25,000.00 – $49,999.99 0.15% 0.15%; 0.15% 0.15% 0.05% 0.05%
$50,000.00 – $99,999.99 0.25% 0.25% 0.25% 0.25% 0.05% 0.05%
$100,000.00 – $249,999.99 0.30% 0.30% 0.30% 0.30% 0.05% 0.05%
$250,000.00 – $499,999.99 0.35% 0.35% 0.35% 0.35% 0.05% 0.05%
$500,000.00 and above 0.40% 0.40% 0.40% 0.40% 0.05% 0.05%

Loan Rates

First Commerce offers 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.

New Auto Loan Rates

TermAnnual Percentage RatePayment per $1,000 borrowed
48 months or less 2.74% -13.99% $22.03 - $27.33
60 months 3.24% - 14.99% $18.08 - $23.79
66 months 3.49% - 15.24% $16.68 - $22.48
72-75 months (minimum $15,000) 
For qualified borrowers
3.99% - 9.99% $15.65 - $18.53
84 months (minimum $25,000)
For qualified borrowers
5.24% - 10.99% $14.28 - $17.12
96 months (minimum $35,000) 
For qualified borrowers
6.24% - 9.24% $13.29 - $14.83

Used Auto Loan Rates

TermAnnual Percentage RatePayment per $1,000 borrowed
24 months or less (minimum $5,000) 3.49%-14.74% $43.20-$48.36
36 months or less (minimum $5,000) 3.74%-14.99% $29.41-$34.68
48 months or less (minimum $5,000) 2.74%-15.49% $22.03-$28.09
60 months 3.24%-17.24% $18.08-$24.99
66 months 3.49%-15.24% $16.68-$22.48
72 months (minimum $15,000) 3.99%-9.99% $15.65-$18.53
84 months (minimum $25,000) 
For qualified borrowers. 
5.24%-7.99% 

$14.28-$15.59

 

Home Equity Loan Rates

TermAmount BorrowedAnnual Percentage RatePayment per $1,000 Borrowed
5 years or less Up to 100% of market value

4.49% – 11.74%  

$18.65 – $22.13
5-10 years Up to 100% of market value 5.49% – 12.49%   $10.85 – $14.64
10-15 years Up to 95% of market value 5.99% – 12.49%  $8.44 - $12.33
15-20 years* Up to 95% of market value 6.99% – 12.49% $7.76 – $11.30
30 years* Up to 80% of market value 7.99% – 9.49%   $7.37 – $8.45

*Minimum loan of $40,000 20 years; $75,000 for 30-year terms. Your rate will be determined after credit review, term selection and final total Loan-to-value

Home Equity Line of Credit Rates

Rate fluctuates quarterly based on Wall Street Journal Prime rate +/- 1% with a floor of 4.5%.

TermAmountAnnual Percentage RateOther Rate Information
Up to 20 years $10,000 – $500,000
(up to 90% of market value)
As low as 4.5% 2% annual cap 6% lifetime cap 4.5% minimum/18% maximum

RV, Boat and Motorcycle Loan Rates

TermAnnual Percentage RatePayment per $1,000 Borrowed
Up to 4 years 4.99% – 16.99% $23.03 – $28.86
6 years ($15k+) 5.24% – 17.24% $16.25 – $22.40
10 years ($25k+)  6.49% – 15.99% $11.36 – $16.75
15 years ($40k+) 7.99% - 13.99% $9.56 - $13.32

Revolving Line of Credit Rates

LimitsAnnual Percentage RatePayment per $500 Borrowed

$50-$40,000

11.49%-15.49%

$15.00*

Signature Loan Rates

TermAnnual Percentage RatePayment per $1,000 Borrowed
Up to 3 years 10.49% – 14.49%

$32.69 – $34.70

Personal Property Loan Rates

TermsAnnual Percentage RatePayment per $1,000 Borrowed
Up to 36 months 9.99% – 13.99% $32.45 – $34.45
Up to 60 months* 9.99% – 13.99% $21.37 – $23.45

Rates are determined based on your credit score. Minimum loan amount of $10,000 for terms longer than 36 months

Life Happens! Loan Rates

TermMin. Loan AmountAnnual Percentage RatePayment per $1,000 Borrowed
24 months $1,000 8.24% – 12.24% $45.55 – $47.51
36 months $3,000 8.24% – 11.24% $31.60 – $33.06
48 months $3,000 7.74% – 10.74% $24.40 – $25.88
60 months $5,000 6.24% – 9.24% $19.52 – $20.99
72 months $10,000 6.24% – 9.24% $16.75 – $18.25
84 months $25,000 6.24% – 9.24% $14.78 – $16.30

*All rates are subject to change.