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

We’re committed to helping your business thrive!

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 BalanceProspective Dividend Rate/APY*
$5.00 – $2,499.990.12%
$2,500.00 – $9,999.990.18%
$10,000.00 – $24,999.990.30%
$25,000.00 – $49,999.990.45%
$50,000.00 and above0.60%
Average Daily Balance
$5.00 – $2,499.99
Prospective Dividend Rate/APY*
0.12%
Average Daily Balance
$2,500.00 – $9,999.99
Prospective Dividend Rate/APY*
0.18%
Average Daily Balance
$10,000.00 – $24,999.99
Prospective Dividend Rate/APY*
0.30%
Average Daily Balance
$25,000.00 – $49,999.99
Prospective Dividend Rate/APY*
0.45%
Average Daily Balance
$50,000.00 and above
Prospective Dividend Rate/APY*
0.60%

*All dividends are posted quarterly.

Rates are accurate as of December 3, 2022 and are subject to change without notice.

Member Testimonial

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

Business Checking Accounts

First Commerce offers checking account options for businesses and organizations of all sizes.

Business Certificates of Deposit

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

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

Business Checking Accounts

First Commerce offers checking account options for businesses and organizations of all sizes.

Business Certificates of Deposit

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

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 80 years of financial expertise.

Your Financial Partner for Life