Discover the Benefits

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.

This account offers rates as high as 5% APY.

Higher Interest Rates

This account offers rates as high as 5% APY.

Get more flexibility to access your funds when you need them vs. long-term investments or CDs.

Liquidity

Get more flexibility to access your funds when you need them vs. long-term investments or CDs.

Not subject to stock market volatility and federally insured up to $250,000.

Safety and Stability

Not subject to stock market volatility and federally insured up to $250,000.

Power Move Money Market Rates

Average Daily Balance
Up to $9,999.99
Dividend Rate³
5.00%
APY³
5.08%
Average Daily Balance
$10,000.00 - $24,999.99
Dividend Rate³
3.00%
APY³
3.84%
Average Daily Balance
$25,000.00 - $49,999.99
Dividend Rate³
2.00%
APY³
2.92%
Average Daily Balance
$50,000.00 - $99,999.99
Dividend Rate³
1.50%
APY³
2.21%
Average Daily Balance
$100,000.00 - $249,999.99
Dividend Rate³
1.00%
APY³
1.49%
Average Daily Balance
$250,000.00 - $499,999.99
Dividend Rate³
0.75%
APY³
1.12%
Average Daily Balance
$500,000.00 and above
Dividend Rate³
0.75%
APY³
1.12%

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 $2500,000 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 April 14, 2024 and are subject to change without notice.

How it Works

The Power Move account is great for all ages who want to maximize earnings while building savings for big life events, such as a new home, a new car, college, a wedding, or other big expenses. What’s better than earning a competitive interest rate on your savings AND maintaining easy access to your funds?

– Members must have a Power Checking account to open a Power Move money market.

– The sweep feature automatically moves funds back and forth between your Power Move money market and Power Checking account so you don’t have to — making saving effortless.

– Anytime your Power Checking balance goes over $20,000, excess funds are automatically moved to your Power Move Money Market. If your Power Checking balance falls below $20,000, funds are automatically moved from the money market to your checking account.

– All transfers to and from accounts occur during nightly processing to ensure timely and efficient management of account balances.

Who We Are

Who We Are

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.

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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.

Digital & Mobile Banking

Digital & Mobile Banking

Find out what First Commerce’s powerful Digital Banking tools can do for you.

Credit Score Powered by SavvyMoney

Credit Score Powered by SavvyMoney

Monitor your credit score for free through Digital Banking and learn how to build your score or maintain an already great score.

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.