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!

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+*

Higher Rates with iEarn! or iEarn!50+ Accounts

Money Market Account Rates

Get a competitive rate that increases with a higher balance – plus members with a qualifying iEarn! or iEarn!50+ Checking Account receive higher dividend rates. Enjoy no monthly fees on average daily balances of $2,500 or higher. Dividends are compounded and paid monthly.

Average Daily BalanceDividend Rate­¹APYPower Checking Dividend Rate¹’­²Power Checking 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%

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.

Average Daily Balance
Up to $9,999.99
Dividend Rate­¹
0.10%
APY
0.10%
Power Checking Dividend Rate¹’­²
0.15%
Power Checking APY
0.15%
Average Daily Balance
$10,000.00 – $24,999.99
Dividend Rate­¹
0.35%
APY
0.35%
Power Checking Dividend Rate¹’­²
0.40%
Power Checking APY
0.40%
Average Daily Balance
$25,000.00 – $49,999.99
Dividend Rate­¹
0.50%
APY
0.50%
Power Checking Dividend Rate¹’­²
0.55%
Power Checking APY
0.55%
Average Daily Balance
$50,000.00 – $99,999.99
Dividend Rate­¹
0.75%
APY
0.75%
Power Checking Dividend Rate¹’­²
0.80%
Power Checking APY
0.80%
Average Daily Balance
$100,000.00 – $249,999.99
Dividend Rate­¹
1.00%
APY
1.00%
Power Checking Dividend Rate¹’­²
1.05%
Power Checking APY
1.05%
Average Daily Balance
$250,000.00 – $499,999.99
Dividend Rate­¹
1.05%
APY
1.05%
Power Checking Dividend Rate¹’­²
1.09%
Power Checking APY
1.10%
Average Daily Balance
$500,000.00 and above
Dividend Rate­¹
1.09%
APY
1.10%
Power Checking Dividend Rate¹’­²
1.14%
Power Checking APY
1.15%

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 December 6, 2023 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.”

Member Testimonial

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.

Schedule an Appointment

FAQs About Money Market Accounts

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

Certificates of Deposit

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

Learn More
Interest Earning Checking

Interest Earning Checking

Our iEarn! Checking and iEarn!50+ Checking accounts put your money to work for you by paying higher interest on account balances.

Learn More
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.

Learn More
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.

Learn More
Interest Earning Checking

Interest Earning Checking

Our iEarn! Checking and iEarn!50+ Checking accounts put your money to work for you by paying higher interest on account balances.

Learn More
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.

Learn More
Your Financial Partner for Life

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.

* A $10 monthly fee will be assessed on balances below $2,500.