Deposit and Loan Rates
First Commerce offers local strong, competitive rates.
Deposit and Loan Rates
First Commerce offers local strong, competitive rates.
Deposit and Loan Rates
Rates are accurate as of November 29, 2023 and are subject to change without notice. For more information on fees and terms, please see individual account and product pages or contact a Member Services Representative at 850.488.0035 or 1.800.533.5772.
Deposit Account Rates
First Commerce offers competitive rates for checking accounts, savings accounts, CDs, IRAs, and money market accounts. We also provide competitive rates and flexible terms for car loans, RV and boat loans, mortgages, home equity loans and lines of credit, land loans, personal loans, and credit cards. Click here for credit card rates.
| Average Daily Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| Up to $2,500 | 0.00% | 0.00% |
| $2,500.01 - $5,000 | 0.05% | 0.05% |
| $5,000.01 - $10,000 | 0.10% | 0.10% |
| $10,000.01 - $25,000 | 0.15% | 0.15% |
| $25,000.01 and above | 0.20% | 0.20% |
| Average Daily Balance | Dividend Rate/APY |
|---|---|
| Balances up to $2,499.99 | 0.00% |
| $2,500 – $4,999.99 | 0.05% |
| $5,000 – $14,999.99 | 0.10% |
| $15,000 – $24,999.99 | 0.15% |
| $25,000 and above | 0.05% |
| Average Daily Balance | Prospective Dividend Rate* | APY |
|---|---|---|
| $5.00 – $3,000.00 | 2.50% | 2.53% |
| $3,000.01 or above | 0.25% | 0.25% |
*All dividends are posted quarterly.
| Average Daily Balance | Prospective Dividend Rate/APY* |
|---|---|
| $5.00 – $2,499.99 | 0.12% |
| $2,500.00 – $9,999.99 | 0.18% |
| $10,000.00 – $24,999.99 | 0.30% |
| $25,000.00 – $49,999.99 | 0.45% |
| $50,000.00 and above | 0.60% |
*All dividends are posted quarterly.
| Average Daily Balance | Prospective Dividend Rate/APY* |
|---|---|
| $5.00 | 0.15% |
*All dividends are posted quarterly.
| Term | Dividend Posting | APY* | Dividend Rate |
|---|---|---|---|
| 91 days (not offered on IRAs) | Monthly | 0.60% | 0.60% |
| 182 days | Monthly | 1.50% | 1.49% |
| 12 months | Monthly | 2.70% | 2.67% |
| 18 months | Monthly | 2.75% | 2.72% |
| 2 years | Monthly | 2.90% | 2.86% |
| 3 years | Monthly | 3.00% | 2.96% |
| 4 years | Monthly | 3.10% | 3.06% |
*APY=Annual Percentage Yield. CD=Certificate of Deposit. Penalties apply for early withdrawal and any fees could reduce the yield. Minimum opening balance is $1,000.
| Traditional IRA | Roth IRA | Education IRA | |
|---|---|---|---|
| Average Daily Balance | Dividend Rate/APY | Dividend Rate/APY | Dividend Rate/APY |
| $50.00 – $9,999.99 | 0.10% | 0.10% | 0.10% |
| $10,000.00 – $24,999.99 | 0.35% | 0.35% | 0.35% |
| $25,000.00 – $49,999.99 | 0.50% | 0.50% | 0.50% |
| $50,000.00 – $99,999.99 | 0.75% | 0.75% | 0.75% |
| $100,000.00 – $249,999.99 | 1.00% | 1.00% | 1.00% |
| $250,000.00 – $499,999.99 | 1.05% | 1.05% | 1.05% |
| $500,000.00 and above | 1.09% | 1.09% | 1.09% |
Dividends are posted monthly for all IRA accounts.
| 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.
Rates are accurate as of and are subject to change without notice.
Deposit Account Rates
First Commerce offers competitive rates for checking accounts, savings accounts, CDs, IRAs, and money market accounts. We also provide competitive rates and flexible terms for car loans, RV and boat loans, mortgages, home equity loans and lines of credit, land loans, personal loans, and credit cards. Click here for credit card rates.
*All dividends are posted quarterly.
*All dividends are posted quarterly.
*All dividends are posted quarterly.
*APY=Annual Percentage Yield. CD=Certificate of Deposit. Penalties apply for early withdrawal and any fees could reduce the yield. Minimum opening balance is $1,000.
Dividends are posted monthly for all IRA accounts.
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 and are subject to change without notice.
Loan Rates
| Term | Annual Percentage Rate | Payment Per $1,000 Borrowed |
|---|---|---|
| 48 months or less | 6.24% – 17.99% | $23.60 – $29.37 |
| 60 months | 6.49% – 17.99% | $19.56 – $25.39 |
| 66 months | 6.74% – 17.99% | $18.17 – $23.97 |
| 72–75 months (minimum $15,000) For qualified borrowers | 6.99% – 13.49% | $16.50 – $20.33 |
| 84 months (minimum $25,000) For qualified borrowers | 7.49% – 14.24% | $15.33 – $18.87 |
| Term | Annual Percentage Rate | Payment Per $1,000 Borrowed |
|---|---|---|
| 48 months or less | 6.49% – 17.99% | $23.71 – $29.37 |
| 60 months | 6.74% – 17.99% | $19.68 – $25.39 |
| 66 months | 6.99% – 17.99% | $18.29 – $23.97 |
| 72 months (minimum $15,000) | 7.49% – 13.99% | $17.29 – $20.60 |
| 84 months (minimum $25,000) For qualified borrowers | 7.99% – 11.24% | $15.58 – $17.25 |
| Term | Amount Borrowed | Annual Percentage Rate | Monthly Payment Per $1,000 Borrowed |
|---|---|---|---|
| 5 years or less | Up to 90% of market value | 6.24% – 11.99% | $19.44 – $22.24 |
| 5–10 years | Up to 90% of market value | 7.24% – 12.99% | $11.73 – $14.93 |
| 10–15 years | Up to 90% of market value | 7.74% – 12.99% | $9.41 – $12.65 |
| 15–20 years* | Up to 90% of market value | 8.74% – 12.99% | $8.83 – $11.71 |
| 30 years* | Up to 80% of market value | 9.74% – 10.74% | $8.58 – $9.33 |
*Minimum loan of $40,000 for 20-year term; $75,000 for 30-year term. Your rate will be determined after credit review, term selection, and final total Loan-to-Value.
| Term | Amount | Annual Percentage Rate | Other Rate Information |
|---|---|---|---|
| Up to 20 years | $10,000 – $500,000 (up to 90% of market value) | As low as 5.00% | 2% annual cap; 6% lifetime cap; 5% minimum/18% maximum |
| Term | Annual Percentage Rate | Payment Per $1,000 Borrowed |
|---|---|---|
| 5 years or less | 8.99% – 15.99% | $20.76 – $24.73 |
| 5 to 10 years | 9.99% – 16.99% | $13.22– $24.59 |
| 15 to 20 years ($40,000 minimum) | 10.49% – 17.99% | $11.06 – $16.08 |
| Term | Annual Percentage Rate | Payment Per $1,000 Borrowed |
|---|---|---|
| Up to 4 years | 7.04% – 17.99% | $23.96 – $29.37 |
| 6 years ($15,000+) | 7.29% – 17.99% | $17.19 – $22.80 |
| 10 years ($50,000+) | 8.99% – 17.99% | $12.66 – $18.01 |
| 15 years ($75,000+) | 9.24% – 15.99% | $10.29 – $14.68 |
Rates are accurate as of and are subject to change without notice.
| Term | Annual Percentage Rate |
|---|---|
| $500 – $40,000 | 12.24% – 17.99% |
| Term | Annual Percentage Rate | Payment Per $1,000 Borrowed |
|---|---|---|
| Up to 3 years | 11.24% – 17.99% | $32.85 – $36.15 |
*Minimum loan of $40,000 for 20-year term; $75,000 for 30-year term. Your rate will be determined after credit review, term selection, and final total Loan-to-Value.
Rates are accurate as of and are subject to change without notice.
Rates are accurate as of November 29, 2023 and are subject to change without notice.
Contact Us
If you have additional questions about our savings or loan options, we are happy to help. Schedule an appointment to talk with a Financial Services Officer at any of our financial centers, send an email inquiry to FCCUMemberServices@FirstCommerceCU.org, or send a secure message through Digital Banking. We look forward to talking with you.
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.
Routing #263182516 | NMLS #774895 © First Commerce Credit Union
Routing #263182516 NMLS #774895
© First Commerce Credit Union
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