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 Momentum Money Market
This powerful money market account offers a highly competitive rate structure to assist in giving your financial journey momentum.
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+*
Safety and Stability for Your Money
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.
Members’ dividends will be calculated at 4.00% for balances between $0.01 and $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 0.75% for balances $250,000 or more.APY = Annual Percentage Yield. Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. Minimum opening deposit $2,500. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA.
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.
Rates are accurate as of March 25, 2026 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
A money market account (MMA) is a type of savings account that typically offers higher dividends than a standard savings account. Your money earns interest, and you can access your funds whenever you need them. MMAs are ideal for members who want to grow their savings faster while still keeping funds easily available.
A money market account pays tiered rates, meaning your dividend rate increases as your balance grows. Compared to a traditional savings account, an MMA generally offers:
Higher earning potential
Continued access to your money (no locked-in term like a CD)
Easy transfers and withdrawals
This makes it a strong option for short- or long-term savings goals.
Anyone eligible for membership with First Commerce Credit Union can open a money market account. Membership is open to individuals who live, work, worship, or attend school in our service areas, as well as employees of participating businesses and organizations. If you’re not yet a member, you can join and open your account in the same application.
The minimum opening deposit is $2,500.
There is no monthly service fee for Money Market Accounts with an average daily balance of $2,500 or more. A $10 monthly fee will be assessed on balances below $2,500.
Dividends are compounded and paid monthly.
There is no term limit on a Money Market Account.
Yes. Members have free check-writing privileges up to 3 checks per month ($250 minimum per check).
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.
