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 Balance | Dividend Rate¹ | APY | Power Checking Dividend Rate¹’² | Power Checking APY |
---|---|---|---|---|
Up to $9,999.99 | 0.10% | 0.10% | 0.15% | 0.15% |
$10,000.00 – $24,999.99 | 0.35% | 0.35% | 0.40% | 0.40% |
$25,000.00 – $49,999.99 | 0.50% | 0.50% | 0.55% | 0.55% |
$50,000.00 – $99,999.99 | 0.75% | 0.75% | 0.80% | 0.80% |
$100,000.00 – $249,999.99 | 1.00% | 1.00% | 1.05% | 1.05% |
$250,000.00 – $499,999.99 | 1.05% | 1.05% | 1.09% | 1.10% |
$500,000.00 and above | 1.09% | 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.
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 May 31, 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.”

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.
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.
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.
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.
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.
APR = Annual Percentage Rate; APY = Annual Percentage Yield
Six Pillars Financial Advisors products and services are not federally insured; are not obligations of or guaranteed by First Commerce Credit Union; involve investment risk; and may be offered by a dual employee who accepts deposits on behalf of First Commerce Credit Union and also sells non-deposit investment products on behalf of Six Pillars Financial Advisors.
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