Help Your Money Grow
No matter what business you’re in, you need a local business partner that’s as focused on your bottom line as you are. A First Commerce Business Savings Account will help you grow your savings while maintaining liquidity.
Secure Your Savings
Tiered Dividend Rates
Quarterly Dividend Earnings
No Monthly Fees
Free Digital Banking
Business Savings Account
Explore our Business Savings Account
The more you save, the more you can earn. Set aside funds for future investments in your business so you’re ready when the time is right.
- Minimum deposit amount – $5
- Monthly cost – No monthly fees
- Any requirements? – Direct deposit required for Early Payday feature
- Earns interest? – Yes, see chart below
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 November 25, 2025 and are subject to change without notice.
Member Testimonial
“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.
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.
