Savings Made Simple

Whether you want to build a financial cushion for life’s surprises, save for education expenses, or set aside funds for retirement, we’ll give you the power to build your financial future. Our savings and deposit accounts offer competitive rates and knowledgeable, local team members committed to helping you to enhance your financial well-being.


With First Commerce Savings You Get…

Competitive Rates

No Monthly Fees

Higher Dividends on Higher Balances

Open Multiple Accounts

Choose Your Savings Account

Savings Account

Your First Commerce membership starts with $5 to open savings deposit representing your equal share of ownership in the credit union. You can open multiple accounts for your specific savings goals.

  • 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.

iSave! Systematic Savings

Designed for members in our iLiveFIT! Program, the iSave! Savings Account is perfect for building an emergency fund to help keep your budget on track.

  • Minimum deposit amount – $5
  • Monthly fees – No monthly fees
  • Any requirements?
    • This account requires at least one monthly automatic deposit transfer.
    • To open an iSave! Systematic Savings account members must have an active iLiveFIT! assessment.
  • Features/benefits
    • Higher dividend rate on the first $1,000 deposited
    • Steady dividend earnings on balances over $1,000
  • Earns interest? – Yes, see below

iSave! Systematic Savings Rates

Average Daily Balance Prospective Dividend Rate/APY*
$5.00 – $1,000.002.00%
$1,000.01 and above0.05%
Average Daily Balance
$5.00 – $1,000.00
Prospective Dividend Rate/APY*
2.00%
Average Daily Balance
$1,000.01 and above
Prospective Dividend Rate/APY*
0.05%

*All dividends are posted quarterly.

  • Legal/disclosuresThis account requires at least one monthly automatic deposit transfer.

Rosey’s Holiday Club

Open a First Commerce Holiday Club Savings Account and take the financial stress out of the holiday season when you regularly save for holiday gifts and travel.

  • Minimum deposit amount – $5
  • Monthly fees – No monthly fees
  • Earns interest? – Yes, see below

Rosey’s Holiday Club Rates

Average Daily Balance Prospective Dividend Rate/APY*
$5.00 0.15%
Average Daily Balance
$5.00
Prospective Dividend Rate/APY*
0.15%

*All dividends are posted quarterly.

  • Any requirements?
    • Open your savings account with a $5 deposit
    • Contribute regularly to your account
  • Features/benefits
    • Earn dividends every quarter
    • Funds are automatically transferred to your FCCU savings or checking account each November 1
  • Legal/disclosuresPlan on funds remaining on deposit until November 1 of each year, or some dividends may be forfeited, and you won’t be able to contribute again until after November 1. Rates are subject to change quarterly.

EvenUp Savings Program

Make saving money automatic with an EvenUp Savings Account from First Commerce! We’re committed to making it easy for you to save money and reach your financial goals.

  • Minimum deposit amount – $5
  • Monthly fees – No monthly fees
  • Features/benefits:
    • When you use your SimpliFi Checking, MyWay Checking, Smart Start Teen Checking, or Accelerate Account debit card, we’ll round up the amount you spend to the next whole dollar and transfer the difference automatically into your EvenUp Savings Account
    • Earn interest on the money you’ve saved
    • Make deposits and withdrawals
    • Protect your checking account from overdrafts
  • Earns interest? – Yes, see chart below

EvenUp Savings Rates

Average Daily Balance Prospective Dividend Rate* APY
$5.00 – $3,000.002.50%2.53%
$3,000.01 or above0.25%0.25%
Average Daily Balance
$5.00 – $3,000.00
Prospective Dividend Rate*
2.50%
APY
2.53%
Average Daily Balance
$3,000.01 or above
Prospective Dividend Rate*
0.25%
APY
0.25%

*All dividends are posted quarterly.

  • Any requirements? – EvenUp Savings requires the use of a debit card and one of the following active accounts: Accelerate, MyWay Checking, Smart Start Teen Checking, or SimpliFi.
  • Legal/disclosuresWhen you enroll in our EvenUp Savings program, we even up the amount of any debit card purchases made by you or any debit cardholder of your Checking account throughout the day to the next whole dollar amount, and transfer that amount from your Checking Account to the designated First Commerce savings account each night. If on a business day you do not have sufficient available funds in your checking account, we do not EvenUp purchases posted on that business day and we cancel the EvenUp transfer for that day. If your debit card purchase is subsequently cancelled or reversed, the corresponding EvenUp transfer will remain in the EvenUp savings account. We may cancel the EvenUp transfer at any time. EvenUp is available only on debit cards linked to your First Commerce Credit Union Checking account. SimpliFi, MyWay, Accelerate and SmartStart Checking accountholders are encouraged to save more by allowing additional deposits. Withdrawals may be made against the EvenUp Savings account at any time and may also be used as an overdraft transfer source for your checking account. The EvenUp Savings account will be set up with the same joint account owners and beneficiaries as your checking account.

Sammy Squirrel Kids’ Savings Account

Designed for newborns through age 12, our free Sammy Squirrel Kids’ Club Savings Account teaches kids smart money habits and helps you save for their future. Teach your child how to “squirrel away” money the fun way!

  • Minimum deposit amount – $5
  • Monthly fees – No monthly fees
  • Any requirements? – Must be age newborn – 12 years
  • Features/benefits
    • Earn rewards for good grades
    • Receive a matching deposit (plus, a little something extra) when your child makes a deposit within a month of their birthday. For example, if you’re 10 years old and make a deposit of at least $10, you’ll get $10 deposited into your Kids Club account! ($1 x child’s age).
    • Sammy Squirrel accountholders earn one Acoin for every $10 deposited into their account; these wooden nickels can be redeemed for gift cards or money deposited into their account.
  • Legal/disclosuresMaximum savings reward redemption is 100 Acoins in one year. No payroll or direct deposit accepted into Kids Club accounts, including Social Security benefits. Prizes subject to change. Must have minimum balance of $50 to receive birthday deposit.
  • Earns interest? – Same as regular savings account

Kids Club Acoins Chart

# of Redeemed Acoins Minimum Balance Required Reward
55 N/A$5 gift card
75$250$10 reward deposit
100$500$25 reward deposit
# of Redeemed Acoins
55
Minimum Balance Required
N/A
Reward
$5 gift card
# of Redeemed Acoins
75
Minimum Balance Required
$250
Reward
$10 reward deposit
# of Redeemed Acoins
100
Minimum Balance Required
$500
Reward
$25 reward deposit

Savings Account

Your First Commerce membership starts with $5 to open savings deposit representing your equal share of ownership in the credit union. You can open multiple accounts for your specific savings goals.

  • 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.

EvenUp Savings Program

Make saving money automatic with an EvenUp Savings Account from First Commerce! We’re committed to making it easy for you to save money and reach your financial goals.

  • Minimum deposit amount – $5
  • Monthly fees – No monthly fees
  • Features/benefits:
    • When you use your SimpliFi Checking, MyWay Checking, Smart Start Teen Checking, or Accelerate Account debit card, we’ll round up the amount you spend to the next whole dollar and transfer the difference automatically into your EvenUp Savings Account
    • Earn interest on the money you’ve saved
    • Make deposits and withdrawals
    • Protect your checking account from overdrafts
  • Earns interest? – Yes, see chart below

EvenUp Savings Rates

Average Daily Balance Prospective Dividend Rate* APY
$5.00 – $3,000.002.50%2.53%
$3,000.01 or above0.25%0.25%
Average Daily Balance
$5.00 – $3,000.00
Prospective Dividend Rate*
2.50%
APY
2.53%
Average Daily Balance
$3,000.01 or above
Prospective Dividend Rate*
0.25%
APY
0.25%

*All dividends are posted quarterly.

  • Any requirements? – EvenUp Savings requires the use of a debit card and one of the following active accounts: Accelerate, MyWay Checking, Smart Start Teen Checking, or SimpliFi.
  • Legal/disclosuresWhen you enroll in our EvenUp Savings program, we even up the amount of any debit card purchases made by you or any debit cardholder of your Checking account throughout the day to the next whole dollar amount, and transfer that amount from your Checking Account to the designated First Commerce savings account each night. If on a business day you do not have sufficient available funds in your checking account, we do not EvenUp purchases posted on that business day and we cancel the EvenUp transfer for that day. If your debit card purchase is subsequently cancelled or reversed, the corresponding EvenUp transfer will remain in the EvenUp savings account. We may cancel the EvenUp transfer at any time. EvenUp is available only on debit cards linked to your First Commerce Credit Union Checking account. SimpliFi, MyWay, Accelerate and SmartStart Checking accountholders are encouraged to save more by allowing additional deposits. Withdrawals may be made against the EvenUp Savings account at any time and may also be used as an overdraft transfer source for your checking account. The EvenUp Savings account will be set up with the same joint account owners and beneficiaries as your checking account.

iSave! Systematic Savings

Designed for members in our iLiveFIT! Program, the iSave! Savings Account is perfect for building an emergency fund to help keep your budget on track.

  • Minimum deposit amount – $5
  • Monthly fees – No monthly fees
  • Any requirements?
    • This account requires at least one monthly automatic deposit transfer.
    • To open an iSave! Systematic Savings account members must have an active iLiveFIT! assessment.
  • Features/benefits
    • Higher dividend rate on the first $1,000 deposited
    • Steady dividend earnings on balances over $1,000
  • Earns interest? – Yes, see below

iSave! Systematic Savings Rates

Average Daily Balance Prospective Dividend Rate/APY*
$5.00 – $1,000.002.00%
$1,000.01 and above0.05%
Average Daily Balance
$5.00 – $1,000.00
Prospective Dividend Rate/APY*
2.00%
Average Daily Balance
$1,000.01 and above
Prospective Dividend Rate/APY*
0.05%

*All dividends are posted quarterly.

  • Legal/disclosuresThis account requires at least one monthly automatic deposit transfer.

Sammy Squirrel Kids’ Savings Account

Designed for newborns through age 12, our free Sammy Squirrel Kids’ Club Savings Account teaches kids smart money habits and helps you save for their future. Teach your child how to “squirrel away” money the fun way!

  • Minimum deposit amount – $5
  • Monthly fees – No monthly fees
  • Any requirements? – Must be age newborn – 12 years
  • Features/benefits
    • Earn rewards for good grades
    • Receive a matching deposit (plus, a little something extra) when your child makes a deposit within a month of their birthday. For example, if you’re 10 years old and make a deposit of at least $10, you’ll get $10 deposited into your Kids Club account! ($1 x child’s age).
    • Sammy Squirrel accountholders earn one Acoin for every $10 deposited into their account; these wooden nickels can be redeemed for gift cards or money deposited into their account.
  • Legal/disclosuresMaximum savings reward redemption is 100 Acoins in one year. No payroll or direct deposit accepted into Kids Club accounts, including Social Security benefits. Prizes subject to change. Must have minimum balance of $50 to receive birthday deposit.
  • Earns interest? – Same as regular savings account

Kids Club Acoins Chart

# of Redeemed Acoins Minimum Balance Required Reward
55 N/A$5 gift card
75$250$10 reward deposit
100$500$25 reward deposit
# of Redeemed Acoins
55
Minimum Balance Required
N/A
Reward
$5 gift card
# of Redeemed Acoins
75
Minimum Balance Required
$250
Reward
$10 reward deposit
# of Redeemed Acoins
100
Minimum Balance Required
$500
Reward
$25 reward deposit

Rosey’s Holiday Club

Open a First Commerce Holiday Club Savings Account and take the financial stress out of the holiday season when you regularly save for holiday gifts and travel.

  • Minimum deposit amount – $5
  • Monthly fees – No monthly fees
  • Earns interest? – Yes, see below

Rosey’s Holiday Club Rates

Average Daily Balance Prospective Dividend Rate/APY*
$5.00 0.15%
Average Daily Balance
$5.00
Prospective Dividend Rate/APY*
0.15%

*All dividends are posted quarterly.

  • Any requirements?
    • Open your savings account with a $5 deposit
    • Contribute regularly to your account
  • Features/benefits
    • Earn dividends every quarter
    • Funds are automatically transferred to your FCCU savings or checking account each November 1
  • Legal/disclosuresPlan on funds remaining on deposit until November 1 of each year, or some dividends may be forfeited, and you won’t be able to contribute again until after November 1. Rates are subject to change quarterly.

Rates are accurate as of December 2, 2022 and are subject to change without notice.

High-Yield Deposit Accounts

Money Market Accounts

Get the best of both worlds: higher interest rates and the flexibility to write checks. The higher your balance, the more you earn! A money market account pays interest based on current market rates. It’s a great way to watch your money grow and access funds when you need them.

  • Minimum deposit amount – $2,500
  • Monthly fees – No monthly fees on average daily balances $2,500 or higher*
  • Earns interest? – Yes
    *A $10 monthly fee will be assessed on balances below $2,500.
  • Features
    • Dividends are compounded and paid monthly
    • Free check writing privileges for up to 3 checks per month ($250 minimum per check)
    • Easily transfer funds to your First Commerce checking account
    • Higher dividend rates with a qualifying iEarn! or iEarn!50+ Checking Account

Money Market Account Rates

Average Daily BalanceDividend Rate*APYiEarn! Dividend Rate*iEarn! APY
Up to $9,999.990.10%0.10%0.15%0.15%
$10,000.00 – $24,999.990.35%0.35%0.40%0.40%
$25,000.00 – $49,999.990.50%0.50%0.55%0.55%
$50,000.00 – $99,999.990.75%0.75%0.80%0.80%
$100,000.00 – $249,999.991.00%1.00%1.05%1.05%
$250,000.00 – $499,999.991.05%1.05%1.09%1.10%
$500,000.00 and above1.09%1.10%1.14%1.15%
Average Daily Balance
Up to $9,999.99
Dividend Rate*
0.10%
APY
0.10%
iEarn! Dividend Rate*
0.15%
iEarn! APY
0.15%
Average Daily Balance
$10,000.00 – $24,999.99
Dividend Rate*
0.35%
APY
0.35%
iEarn! Dividend Rate*
0.40%
iEarn! APY
0.40%
Average Daily Balance
$25,000.00 – $49,999.99
Dividend Rate*
0.50%
APY
0.50%
iEarn! Dividend Rate*
0.55%
iEarn! APY
0.55%
Average Daily Balance
$50,000.00 – $99,999.99
Dividend Rate*
0.75%
APY
0.75%
iEarn! Dividend Rate*
0.80%
iEarn! APY
0.80%
Average Daily Balance
$100,000.00 – $249,999.99
Dividend Rate*
1.00%
APY
1.00%
iEarn! Dividend Rate*
1.05%
iEarn! APY
1.05%
Average Daily Balance
$250,000.00 – $499,999.99
Dividend Rate*
1.05%
APY
1.05%
iEarn! Dividend Rate*
1.09%
iEarn! APY
1.10%
Average Daily Balance
$500,000.00 and above
Dividend Rate*
1.09%
APY
1.10%
iEarn! Dividend Rate*
1.14%
iEarn! APY
1.15%

A $10 monthly fee will be assessed on balances below $2,500. *All dividends are posted quarterly.

Traditional & Roth IRAs

You’re never too young to start saving for retirement with an IRA! Interest compounds on these accounts, so the sooner you start saving, the more money you’ll have available when you need it later.

  • Minimum deposit amount: – See rate tables
  • Monthly fees: – See rate tables
  • Earns interest? – See rate tables

Individual Retirement Plans

TraditionalRoth
Best ForRetirementRetirement
Income Limit?NoFull contributions up to $125,000/yr for singles and $198,000/yr for couples Phases out at: $140,000/yr for singles and $208,000/yr for couples
Income Requirement?Income must be from compensation or self-employmentIncome must be from compensation or self-employment
Maximum Annual Contribution Under Age 50$6,000$6,000
Maximum Annual Contribution Over Age 50$7,000$7,000
Tax-Deductible ContributionsTax deferred up to 100% depending on Annual Gross Income and participation in an employer-sponsored retirement planNo
Tax On EarningsGrows tax-deferred until withdrawnGrows tax-free if held for at least five years
Tax On Withdrawn FundsWithdrawals are taxed as incomeNo tax on contributions No tax on earnings after age 59 ½
Required Minimum Distribution Or WithdrawalAge 70 ½No
Withdrawal PenaltyMost withdrawals before age 59½ result in IRS penaltiesMost withdrawals before age 59½ result in IRS penalties
Best For
Traditional
Retirement
Roth
Retirement
Income Limit?
Traditional
No
Roth
Full contributions up to $125,000/yr for singles and $198,000/yr for couples Phases out at: $140,000/yr for singles and $208,000/yr for couples
Income Requirement?
Traditional
Income must be from compensation or self-employment
Roth
Income must be from compensation or self-employment
Maximum Annual Contribution Under Age 50
Traditional
$6,000
Roth
$6,000
Maximum Annual Contribution Over Age 50
Traditional
$7,000
Roth
$7,000
Tax-Deductible Contributions
Traditional
Tax deferred up to 100% depending on Annual Gross Income and participation in an employer-sponsored retirement plan
Roth
No
Tax On Earnings
Traditional
Grows tax-deferred until withdrawn
Roth
Grows tax-free if held for at least five years
Tax On Withdrawn Funds
Traditional
Withdrawals are taxed as income
Roth
No tax on contributions No tax on earnings after age 59 ½
Required Minimum Distribution Or Withdrawal
Traditional
Age 70 ½
Roth
No
Withdrawal Penalty
Traditional
Most withdrawals before age 59½ result in IRS penalties
Roth
Most withdrawals before age 59½ result in IRS penalties

Rates

Average Daily BalanceDividend Rate (Traditional)APY (Traditional)Dividend Rate (Roth)APY (Roth)
$50.00 – $9,999.990.10%0.10%0.10%0.10%
$10,000.00 – $24,999.990.35%0.35%0.35%0.35%
$25,000.00 – $49,999.990.50%0.50%0.50%0.50%
$50,000.00 – $99,999.990.75%0.75%0.75%0.75%
$100,000.00 – $249,999.991.00%1.00%1.00%1.00%
$250,000.00 – $499,999.991.05%1.05%1.05%1.05%
$500,000.00 and above1.09%1.10%1.09%1.10%
Average Daily Balance
$50.00 – $9,999.99
Dividend Rate (Traditional)
0.10%
APY (Traditional)
0.10%
Dividend Rate (Roth)
0.10%
APY (Roth)
0.10%
Average Daily Balance
$10,000.00 – $24,999.99
Dividend Rate (Traditional)
0.35%
APY (Traditional)
0.35%
Dividend Rate (Roth)
0.35%
APY (Roth)
0.35%
Average Daily Balance
$25,000.00 – $49,999.99
Dividend Rate (Traditional)
0.50%
APY (Traditional)
0.50%
Dividend Rate (Roth)
0.50%
APY (Roth)
0.50%
Average Daily Balance
$50,000.00 – $99,999.99
Dividend Rate (Traditional)
0.75%
APY (Traditional)
0.75%
Dividend Rate (Roth)
0.75%
APY (Roth)
0.75%
Average Daily Balance
$100,000.00 – $249,999.99
Dividend Rate (Traditional)
1.00%
APY (Traditional)
1.00%
Dividend Rate (Roth)
1.00%
APY (Roth)
1.00%
Average Daily Balance
$250,000.00 – $499,999.99
Dividend Rate (Traditional)
1.05%
APY (Traditional)
1.05%
Dividend Rate (Roth)
1.05%
APY (Roth)
1.05%
Average Daily Balance
$500,000.00 and above
Dividend Rate (Traditional)
1.09%
APY (Traditional)
1.10%
Dividend Rate (Roth)
1.09%
APY (Roth)
1.10%

Dividends are posted monthly for all IRA accounts.

Coverdell Education Savings Accounts (ESA)

We’re here to help you reach your education goals, from kindergarten all the way through college or trade school. You can use an Education Savings Account (ESA) to save for any qualified education expenses.

Coverdell Education Savings Accounts (ESA)

Average Daily Balance (ADB)Dividend RateAPY
$50.00 – $9,999.990.10%0.10%
$10,000.00 – $24,999.990.35%0.35%
$25,000.00 – $49,999.990.50%0.50%
$50,000.00 – $99,999.990.75%0.75%
$100,000.00 – $249,999.991.00%1.00%
$250,000.00 – $499,999.991.05%1.05%
$500,000.00 and above1.09%1.10%
Average Daily Balance (ADB)
$50.00 – $9,999.99
Dividend Rate
0.10%
APY
0.10%
Average Daily Balance (ADB)
$10,000.00 – $24,999.99
Dividend Rate
0.35%
APY
0.35%
Average Daily Balance (ADB)
$25,000.00 – $49,999.99
Dividend Rate
0.50%
APY
0.50%
Average Daily Balance (ADB)
$50,000.00 – $99,999.99
Dividend Rate
0.75%
APY
0.75%
Average Daily Balance (ADB)
$100,000.00 – $249,999.99
Dividend Rate
1.00%
APY
1.00%
Average Daily Balance (ADB)
$250,000.00 – $499,999.99
Dividend Rate
1.05%
APY
1.05%
Average Daily Balance (ADB)
$500,000.00 and above
Dividend Rate
1.09%
APY
1.10%

  • Any requirements?
    • Account must be liquidated by age 30
    • Funds must be used for education
    • $2,000 maximum annual contribution per child under 18
  • Features
    • Funds can be transferred between accounts for children in the same family
    • Can be used for any qualified education expenses (kindergarten through college or trade school)
    • No tax on withdrawn funds for qualified expenses

Rates are accurate as of December 2, 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 learn more or open your account, schedule an appointment, call us at 850.488.0035 or 800.533.5772, or visit one of our financial centers.

Manage Money Your Way

Certificates of Deposit

Certificates of Deposit

Lock in higher returns at a fixed rate when you commit to saving for a specific period of time.

Six Pillars Financial Advisors

Six Pillars Financial Advisors

Schedule time with Six Pillars Financial Advisors, a subsidiary of First Commerce, for free comprehensive financial planning to help you pursue your financial goals.

Road Map to Financial Strength

Road Map to Financial Strength

The FCCU Foundation offers free online tools to help you build your personal road map to financial strength.

Certificates of Deposit

Certificates of Deposit

Lock in higher returns at a fixed rate when you commit to saving for a specific period of time.

Six Pillars Financial Advisors

Six Pillars Financial Advisors

Schedule time with Six Pillars Financial Advisors, a subsidiary of First Commerce, for free comprehensive financial planning to help you pursue your financial goals.

Road Map to Financial Strength

Road Map to Financial Strength

The FCCU Foundation offers free online tools to help you build your personal road map to financial strength.

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 simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 80 years of financial expertise.

Your Financial Partner for Life