Flexible Business Savings in North Florida and South Georgia
Grow your funds and keep them easily accessible with our Business Savings Account. This hassle-free account will establish your business membership with First Commerce Credit Union, opening the door to our full suite of financial solutions for local organizations like yours.
Secure Business Savings With 24/7 Access
Tiered Dividend Rates
Enjoy higher savings rates when you keep larger account balances.
Quarterly Dividend Earnings
Get a reliable way to grow your business’s short-term cash reserves.
No Monthly Fees
Simply keep a minimum of $5 in your Business Savings Account.
Free Digital Banking
Easily transfer funds to or from your FCCU business checking account.
Business Savings Account
Explore our Business Savings Account
Save more and earn more with our competitive tiered dividend rates. FCCU’s Business Savings Account helps keep your funds growing while maintaining the liquidity you need to cover unplanned expenses or your next business investment.
- Minimum deposit amount – $5
- Monthly cost – No monthly fees
- Any requirements? – Direct deposit required for Early Payday feature
- Earns interest? – Yes, see chart below
Business Savings Account Rates
| 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.
Rates are accurate as of December 18, 2025 and are subject to change without notice.
Why Local Businesses Choose First Commerce Credit Union
“I’m writing to indicate how pleased and grateful I am with the services provided. I would highly recommend anyone, including friends and family, to bank at First Commerce for all of their banking needs.”
Open an Account
To open a Business Savings Account or request more information, contact our Business Services Team or visit one of our locations.
Frequently Asked Questions
Membership at First Commerce Credit Union is available to individuals who live or work in eligible counties of North Florida or South Georgia. It also extends to employees of participating businesses and their immediate families. Learn more about membership eligibility.
To open a First Commerce Business Savings Account, you’ll need to make a $5 minimum deposit. Opening a Business Savings Account will establish your membership at First Commerce, unlocking access to our wide range of accounts, loans, and digital banking tools for business members.
First Commerce Credit Union’s Business Savings Account has tiered rates, which means that higher balances can qualify you for higher earnings. You become eligible for a higher dividend rate when your balance moves into the next rate tier – no special action required. Dividends are calculated based on your average daily balance and paid quarterly.
No, First Commerce’s Business Savings Account does not have a monthly maintenance fee.
Stop by one of our financial centers or schedule an appointment to meet with a First Commerce team member.
A minimum deposit of $5 is required to open a Business Savings Account, which establishes your ownership share in First Commerce Credit Union. Please note that different opening deposit requirements apply for our other business accounts.
If you have any questions, reach out to our knowledgeable Business Services Team. Contact us.
This account is available to business members who meet First Commerce Credit Union’s eligibility requirements, and it provides a flexible savings option for sole proprietors, nonprofits, and small- to medium-sized businesses.
If you plan to keep higher balances and want to maximize your earnings, we recommend opening a high-yield Business Money Market Account or Business Certificate of Deposit (CD) in addition to our Business Savings Account.
To open a business account, you’ll need basic identifying information for all authorized signers along with documentation specific to your business or organization. You’ll also need to provide your Employer Identification Number (EIN) or Social Security number.
For a list of documents required for your organization, see our Florida Business Services Account Opening Guide or our Georgia Business Services Account Opening Guide.
Absolutely. Deposits at First Commerce Credit Union are federally insured by the National Credit Union Administration (NCUA) up to at least $250,000 per depositor.
First Commerce Credit Union has 14 financial center locations across North Florida and South Georgia.
Business Resources
Business Checking Accounts
First Commerce offers checking account options for businesses and organizations of all sizes.
Business Certificates of Deposit
Earn a higher rate of return. With fixed rates and flexible terms, our CDs give your business a way to invest excess cash flow over a short or long period of time.
Business Money Market Accounts
Our Money Market Account allows your business to take advantage of higher interest rates and access funds when you need them for expenses or growth opportunities.
Business Checking Accounts
First Commerce offers checking account options for businesses and organizations of all sizes.
Business Certificates of Deposit
Earn a higher rate of return. With fixed rates and flexible terms, our CDs give your business a way to invest excess cash flow over a short or long period of time.
Business Money Market Accounts
Our Money Market Account allows your business to take advantage of higher interest rates and access funds when you need them for expenses or growth opportunities.
Your Financial Partner for Life
Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s offering competitive loans to help you build your business, cash management services so you can focus on your customers, or best-in-class digital banking solutions to help you manage cash flow when it’s convenient for you. When you bank with First Commerce, you get a truly personal experience backed by 85 years of financial expertise.
