Watch Your Money Grow
A Money Market Account is a great way to watch your money grow, yet you can easily access your money if needed. This account pays interest based on current market rates, and the higher your balance, the more you earn!
Special Offer! Discover the New Power Move Money Market
This unique Money Market Sweep account is linked to Power Checking and offers a highly competitive rate structure with a “sweep” transfer feature that automatically moves funds between your checking and money market accounts to maximize savings.
Features to Make Saving a Snap
Dividends Compounded and Paid Monthly
Minimum Opening Deposit $2,500
Transfer Funds to FCCU Accounts
Free Check Writing, up to 3 per Month
No Fees on Balances of $2,500+*
Money Market Account Rates
Get a competitive rate that increases with a higher balance. Enjoy no monthly fees on average daily balances of $2,500 or higher. Dividends are compounded and paid monthly.
¹A $10 monthly fee will be assessed on balances below $2,500. ²Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly.
Members dividends will be calculated as 5.00% for balances between $.01 & $9,999.99, 3.00% for balances between $10,000 and $24,999.99, 2.00% for balances between $25,000 and $49,999.99, 1.50% for balances between $50,000 and $99,999.99, 1.00% for balances between $100,000 and $249,999.99, and .75% for balances $250,000 or more.³APY = Annual Percentage Yield. 5% APY applied to balances up to $9,999.99 only. APY accurate as of 2/29/2024. Minimum opening deposit for Power Move Money Market Account is $2500. Minimum opening deposit for Power Checking is $25. Power Move Money Markey accounts must also have an active Power Checking account. Power Move Money Market accounts have a required sweep feature that is linked to the Power Checking account. If the balance in the Power Checking account on any business day is over $20,000.00, the amount exceeding $20,000 will be automatically swept from the Power Checking account to the Power Move Money Market account. If the balance in the Power Checking account on any business day is under $20,000, the amount of the shortage will be automatically swept from the Power Move Money Market account to the Power Checking account. Members who elect to open a Power Move Money Market account are limited to one Money Market account. Visit www.firstcommercecu.org/powermove for more information. Insured by NCUA.
Rates are accurate as of October 27, 2025 and are subject to change without notice.
Member Testimonial
“I always feel welcomed, wanted, and heard. The tellers are friendly but professional, and they work expediently without making me feel rushed. When they recommend different banking services, it always feels like a recommendation from a friend rather than a sales pitch.”
Open Your Account Today
To open a Money Market Account, schedule an appointment, call us at 850.488.0035 or 1.800.533.5772, or visit a financial center.
FAQs About Money Market Accounts
More Savings Strategies
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
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
The FCCU Foundation offers free online tools to help you build your personal road map to financial strength.
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
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
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.
