Deposit and Loan Rates

Rates are accurate as of December 2, 2022 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
Balances up to $999.99
Dividend Rate
0.00%
Annual Percentage Yield
0.00%
Average Daily Balance
$1,000.00 – $2,499.99
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Average Daily Balance
$2,500.00 – $9,999.99
Dividend Rate
0.10%
Annual Percentage Yield
0.10%
Average Daily Balance
$10,000.00 – $24,999.99
Dividend Rate
0.15%
Annual Percentage Yield
0.15%
Average Daily Balance
$25,000.00 and above
Dividend Rate
0.20%
Annual Percentage Yield
0.20%
Average Daily Balance
Balances up to $999.99
Dividend Rate
0.00%
Annual Percentage Yield
0.00%
Average Daily Balance
$1,000.00 – $2,499.99
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Average Daily Balance
$2,500.00 – $4,999.99
Dividend Rate
0.10%
Annual Percentage Yield
0.10%
Average Daily Balance
$5,000.00 – $9,999.99
Dividend Rate
0.15%
Annual Percentage Yield
0.15%
Average Daily Balance
$10,000.00 – $24,999.99
Dividend Rate
0.20%
Annual Percentage Yield
0.20%
Average Daily Balance
$25,000.00 and above
Dividend Rate
0.25%
Annual Percentage Yield
0.25%
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*
0.55%
Dividend Rate
0.55%
Term
182 days
Dividend Posting
Monthly
APY*
1.10%
Dividend Rate
1.09%
Term
12 months
Dividend Posting
Monthly
APY*
1.85%
Dividend Rate
1.83%
Term
18 months
Dividend Posting
Monthly
APY*
2.25%
Dividend Rate
2.23%
Term
2 years
Dividend Posting
Monthly
APY*
2.30%
Dividend Rate
2.28%
Term
3 years
Dividend Posting
Monthly
APY*
2.30%
Dividend Rate
2.27%
Term
4 years
Dividend Posting
Monthly
APY*
2.35%
Dividend Rate
2.32%

*Published rates are for members with additional products and services with FCCU beyond CDs and a savings/share account. Members with only CDs and a share/savings account will receive a lower rate on their CDs than rates published here. For members with only CDs and a share/savings account, we would love an opportunity to earn your business and share FCCU’s financial solutions to empower you to achieve your financial goals. 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.

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 Rate*
0.10%
APY
0.10%
iEarn! Dividend Rate*
0.15%
iEarn! APY
0.15%
Average Daily Balance
$10,000.00 – $24,999.99
Dividend Rate*
0.35%
APY
0.35%
iEarn! Dividend Rate*
0.40%
iEarn! APY
0.40%
Average Daily Balance
$25,000.00 – $49,999.99
Dividend Rate*
0.50%
APY
0.50%
iEarn! Dividend Rate*
0.55%
iEarn! APY
0.55%
Average Daily Balance
$50,000.00 – $99,999.99
Dividend Rate*
0.75%
APY
0.75%
iEarn! Dividend Rate*
0.80%
iEarn! APY
0.80%
Average Daily Balance
$100,000.00 – $249,999.99
Dividend Rate*
1.00%
APY
1.00%
iEarn! Dividend Rate*
1.05%
iEarn! APY
1.05%
Average Daily Balance
$250,000.00 – $499,999.99
Dividend Rate*
1.05%
APY
1.05%
iEarn! Dividend Rate*
1.09%
iEarn! APY
1.10%
Average Daily Balance
$500,000.00 and above
Dividend Rate*
1.09%
APY
1.10%
iEarn! Dividend Rate*
1.14%
iEarn! APY
1.15%

A $10 monthly fee will be assessed on balances below $2,500. *All dividends are posted quarterly.

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

Loan Rates

Term
48 months or less
Annual Percentage Rate
4.64% – 16.09%
Payment Per $1,000 Borrowed
$22.87 – $28.39
Term
60 months
Annual Percentage Rate
4.84% – 17.09%
Payment Per $1,000 Borrowed
$18.80 – $24.90
Term
66 months
Annual Percentage Rate
5.19% – 17.84%
Payment Per $1,000 Borrowed
$17.45 – $23.89
Term
72–75 months (minimum $15,000) For qualified borrowers
Annual Percentage Rate
5.79% – 12.59%
Payment Per $1,000 Borrowed
$15.92 – $19.86
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
6.74% – 13.59%
Payment Per $1,000 Borrowed
$14.99 – $18.51

Term
48 months or less
Annual Percentage Rate
4.84% – 17.99%
Payment Per $1,000 Borrowed
$22.96 – $29.37
Term
60 months
Annual Percentage Rate
5.09% – 17.99%
Payment Per $1,000 Borrowed
$18.91 – $25.39
Term
66 months
Annual Percentage Rate
5.44% – 17.99%
Payment Per $1,000 Borrowed
$17.57 – $23.97
Term
72 months (minimum $15,000)
Annual Percentage Rate
5.99% – 12.74%
Payment Per $1,000 Borrowed
$16.57 – $19.94
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
6.94% – 10.49%
Payment Per $1,000 Borrowed
$15.22 – $16.86

Term
5 years or less
Amount Borrowed
Up to 90% of market value
Annual Percentage Rate
5.74% – 11.99%
Monthly Payment Per $1,000 Borrowed
$19.21 – $22.24
Term
5–10 years
Amount Borrowed
Up to 90% of market value
Annual Percentage Rate
6.74% – 12.99%
Monthly Payment Per $1,000 Borrowed
$11.48 – $14.93
Term
10–15 years
Amount Borrowed
Up to 90% of market value
Annual Percentage Rate
7.24% – 12.99%
Monthly Payment Per $1,000 Borrowed
$9.12 – $12.65
Term
15–20 years*
Amount Borrowed
Up to 90% of market value
Annual Percentage Rate
8.24% – 12.99%
Monthly Payment Per $1,000 Borrowed
$8.51 – $11.71
Term
30 years*
Amount Borrowed
Up to 80% of market value
Annual Percentage Rate
9.24% – 10.74%
Monthly Payment Per $1,000 Borrowed
$8.22 – $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
6.54% – 17.99%
Payment Per $1,000 Borrowed
$22.73 – $29.37
Term
6 years ($15,000+)
Annual Percentage Rate
6.74% – 17.99%
Payment Per $1,000 Borrowed
$16.92 – $22.80
Term
10 years ($25,000+)
Annual Percentage Rate
8.04% – 17.74%
Payment Per $1,000 Borrowed
$12.15 – $17.85
Term
15 years ($40,000+)
Annual Percentage Rate
8.49% – 15.74%
Payment Per $1,000 Borrowed
$9.84 – $14.51

Rates are accurate as of and are subject to change without notice. If you find a better rate someplace else, let us know and we’ll try to match it!

Term
$500 – $40,000
Annual Percentage Rate
11.49% – 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 December 2, 2022 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.