Built to Keep Your Money Moving
Momentum is a high-yield account with a lower minimum deposit, designed to fit your lifestyle.
This powerful money market account offers a highly competitive rate structure that keeps your money growing, without sacrificing the flexibility to access your funds whenever and wherever you need them.
Higher Interest Rates
Grow your money with rates as high as 4% APY.
Liquidity
Get more flexibility to access your funds when you need them vs. long-term investments or CDs.
Safety and Stability
Not subject to stock market volatility and federally insured up to $250,000.
Momentum Money Market Rates
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.
Rates are accurate as of April 1, 2026 and are subject to change without notice.
Powering Your Financial Journey
From our EvenUp Savings to our personalized investment support through Six Pillars, First Commerce Credit Union is driven to help our members at every stage of their financial journeys. Momentum Money Market is the next step for many members’ financial story, offering 4% on the first $10,000 while still having funds available just like a checking account!
Momentum Money Market FAQs
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.
Momentum MMA 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 Momentum MMA. 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.
You can open a Momentum money market account with $2,500. A $10 monthly fee will be assessed on balances below $2,500. Earning the highest dividend tiers requires maintaining higher balance thresholds. Dividends are paid monthly based on your daily balance.
Your funds remain fully accessible at all times. You can:
Transfer money through Digital Banking
Move funds between your FCCU accounts
Make withdrawals in branches or by phone
There are no penalties for accessing your money—it’s designed to be flexible while helping you earn more.
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.
Manage Money Your Way
Digital & Mobile Banking
Find out what First Commerce’s powerful Digital Banking tools can do for you.
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
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
Find out what First Commerce’s powerful Digital Banking tools can do for you.
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
Schedule time with Six Pillars Financial Advisors, a subsidiary of First Commerce, for free comprehensive financial planning to help you pursue your financial goals.
