Deposit and Loan Rates

Rates are accurate as of April 14, 2024 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.

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.

Average Daily Balance
Up to $2,500
Dividend Rate
0.00%
Annual Percentage Yield
0.00%
Average Daily Balance
$2,500.01 - $5,000
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Average Daily Balance
$5,000.01 - $10,000
Dividend Rate
0.10%
Annual Percentage Yield
0.10%
Average Daily Balance
$10,000.01 - $25,000
Dividend Rate
0.15%
Annual Percentage Yield
0.15%
Average Daily Balance
$25,000.01 and above
Dividend Rate
0.20%
Annual Percentage Yield
0.20%
Average Daily Balance
Balances up to $2,499.99
Dividend Rate/APY
0.00%
Average Daily Balance
$2,500 – $4,999.99
Dividend Rate/APY
0.05%
Average Daily Balance
$5,000 – $14,999.99
Dividend Rate/APY
0.10%
Average Daily Balance
$15,000 – $24,999.99
Dividend Rate/APY
0.15%
Average Daily Balance
$25,000 and above
Dividend Rate/APY
0.05%
Average Daily Balance
$5.00 – $3,000.00
Prospective Dividend Rate*
2.50%
APY
2.53%
Average Daily Balance
$3,000.01 or above
Prospective Dividend Rate*
0.25%
APY
0.25%

*All dividends are posted quarterly.

Average Daily Balance
$5.00 – $2,499.99
Prospective Dividend Rate/APY*
0.12%
Average Daily Balance
$2,500.00 – $9,999.99
Prospective Dividend Rate/APY*
0.18%
Average Daily Balance
$10,000.00 – $24,999.99
Prospective Dividend Rate/APY*
0.30%
Average Daily Balance
$25,000.00 – $49,999.99
Prospective Dividend Rate/APY*
0.45%
Average Daily Balance
$50,000.00 and above
Prospective Dividend Rate/APY*
0.60%

*All dividends are posted quarterly.

Average Daily Balance
$5.00
Prospective Dividend Rate/APY*
0.15%

*All dividends are posted quarterly.

Term
91 days (not offered on IRAs)
Dividend Posting
Monthly
APY*
0.60%
Dividend Rate
0.60%
Term
Special 5 Month- Current Member**
Dividend Posting
Monthly
APY*
5.25%
Dividend Rate
5.13%
Term
Special 5 Month- New Member**
Dividend Posting
Monthly
APY*
5.00%
Dividend Rate
4.89%
Term
182 days
Dividend Posting
Monthly
APY*
1.50%
Dividend Rate
1.49%
Term
12 months
Dividend Posting
Monthly
APY*
2.70%
Dividend Rate
2.67%
Term
Special 15 Month- Current Member**
Dividend Posting
Monthly
APY*
5.25%
Dividend Rate
5.13%
Term
Special 15 Month- New Member**
Dividend Posting
Monthly
APY*
5.00%
Dividend Rate
4.89%
Term
18 months
Dividend Posting
Monthly
APY*
2.75%
Dividend Rate
2.72%
Term
2 years
Dividend Posting
Monthly
APY*
2.90%
Dividend Rate
2.86%
Term
3 years
Dividend Posting
Monthly
APY*
3.00%
Dividend Rate
2.96%
Term
4 years
Dividend Posting
Monthly
APY*
3.10%
Dividend Rate
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.
**Current members who established membership prior to opening a 5- month or 15-month Promotional CD will receive the current member rate and may open two CDs. New members will receive the new member rate and may open one CD during the promotional period. Annual percentage yield (APY) assumes principal and dividends remain on deposit for the 5-month or 15-month term of the certificate (CD). APY is accurate as of 03-04-2024. Minimum balance to open and earn dividends is $1,000. Early withdrawal penalties apply. Offer good for initial term only and will renew as a standard 6-month CD if member selects 5-month promotional CD or a 12-month CD if member selects 15-month CD. Offer applies for consumer, business, and IRA CDs. No monies accepted from brokers or financial institutions. FCCU reserves the right to end promotion at any time. Insured by NCUA.

Average Daily Balance
Traditional IRA
Dividend Rate/APY
Roth IRA
Dividend Rate/APY
Education IRA
Dividend Rate/APY
$50.00 – $9,999.99
Traditional IRA
0.10%
Roth IRA
0.10%
Education IRA
0.10%
$10,000.00 – $24,999.99
Traditional IRA
0.35%
Roth IRA
0.35%
Education IRA
0.35%
$25,000.00 – $49,999.99
Traditional IRA
0.50%
Roth IRA
0.50%
Education IRA
0.50%
$50,000.00 – $99,999.99
Traditional IRA
0.75%
Roth IRA
0.75%
Education IRA
0.75%
$100,000.00 – $249,999.99
Traditional IRA
1.00%
Roth IRA
1.00%
Education IRA
1.00%
$250,000.00 – $499,999.99
Traditional IRA
1.05%
Roth IRA
1.05%
Education IRA
1.05%
$500,000.00 and above
Traditional IRA
1.09%
Roth IRA
1.09%
Education IRA
1.09%

Dividends are posted monthly for all IRA accounts.

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.

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 and are subject to change without notice.

Loan Rates

Term
48 months or less
Annual Percentage Rate
6.24% – 17.99%
Payment Per $1,000 Borrowed
$23.60 – $29.37
Term
60 months
Annual Percentage Rate
6.49% – 17.99%
Payment Per $1,000 Borrowed
$19.56 – $25.39
Term
66 months
Annual Percentage Rate
6.74% – 17.99%
Payment Per $1,000 Borrowed
$18.17 – $23.97
Term
72–75 months (minimum $15,000) For qualified borrowers
Annual Percentage Rate
6.99% – 13.49%
Payment Per $1,000 Borrowed
$16.50 – $20.33
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
7.49% – 14.24%
Payment Per $1,000 Borrowed
$15.33 – $18.87

Term
48 months or less
Annual Percentage Rate
6.49% – 17.99%
Payment Per $1,000 Borrowed
$23.71 – $29.37
Term
60 months
Annual Percentage Rate
6.74% – 17.99%
Payment Per $1,000 Borrowed
$19.68 – $25.39
Term
66 months
Annual Percentage Rate
6.99% – 17.99%
Payment Per $1,000 Borrowed
$18.29 – $23.97
Term
72 months (minimum $15,000)
Annual Percentage Rate
7.49% – 13.99%
Payment Per $1,000 Borrowed
$17.29 – $20.60
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
7.99% – 11.24%
Payment Per $1,000 Borrowed
$15.58 – $17.25

Term
5 years or less
Amount Borrowed
Up to 90% of market value
Annual Percentage Rate
6.24% – 11.99%
Monthly Payment Per $1,000 Borrowed
$19.44 – $22.24
Term
5–10 years
Amount Borrowed
Up to 90% of market value
Annual Percentage Rate
7.24% – 12.99%
Monthly Payment Per $1,000 Borrowed
$11.73 – $14.93
Term
10–15 years
Amount Borrowed
Up to 90% of market value
Annual Percentage Rate
7.74% – 12.99%
Monthly Payment Per $1,000 Borrowed
$9.41 – $12.65
Term
15–20 years*
Amount Borrowed
Up to 90% of market value
Annual Percentage Rate
8.74% – 12.99%
Monthly Payment Per $1,000 Borrowed
$8.83 – $11.71
Term
30 years*
Amount Borrowed
Up to 80% of market value
Annual Percentage Rate
9.74% – 10.74%
Monthly Payment Per $1,000 Borrowed
$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
Up to 20 years
Amount
$10,000 – $500,000 (up to 90% of market value)
Annual Percentage Rate
As low as 5.00%
Other Rate Information
2% annual cap; 6% lifetime cap; 5% minimum/18% maximum

Term
5 years or less
Annual Percentage Rate
8.99% – 15.99%
Payment Per $1,000 Borrowed
$20.76 – $24.73
Term
5 to 10 years
Annual Percentage Rate
9.99% – 16.99%
Payment Per $1,000 Borrowed
$13.22– $24.59
Term
15 to 20 years ($40,000 minimum)
Annual Percentage Rate
10.49% – 17.99%
Payment Per $1,000 Borrowed
$11.06 – $16.08

Term
Up to 4 years
Annual Percentage Rate
7.04% – 17.99%
Payment Per $1,000 Borrowed
$23.96 – $29.37
Term
6 years ($15,000+)
Annual Percentage Rate
7.29% – 17.99%
Payment Per $1,000 Borrowed
$17.19 – $22.80
Term
10 years ($50,000+)
Annual Percentage Rate
8.99% – 17.99%
Payment Per $1,000 Borrowed
$12.66 – $18.01
Term
15 years ($75,000+)
Annual Percentage Rate
9.24% – 15.99%
Payment Per $1,000 Borrowed
$10.29 – $14.68

Rates are accurate as of and are subject to change without notice.

Term
$500 – $40,000
Annual Percentage Rate
12.24% – 17.99%

Term
Up to 3 years
Annual Percentage Rate
11.24% – 17.99%
Payment Per $1,000 Borrowed
$32.85 – $36.15

Rates are accurate as of April 14, 2024 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.