Deposit and Loan Rates
First Commerce offers local strong, competitive rates.
Deposit and Loan Rates
Rates are accurate as of June 1, 2026 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.
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.
*All dividends are posted quarterly.
*All dividends are posted quarterly.
*All dividends are posted quarterly.
*APY=Annual Percentage Yield. CD=Certificate of Deposit. Rates subject to change without notice. Early withdrawals will be subject to a substantial penalty and any fees could reduce the yield. Speak to a Financial Services Officer for complete details. Insured by NCUA. 1 Current members (established membership prior to June 1, 2026) may open up to three Triple Option CDs during promotional period with no cap on maximum dollar amount. 2 New members (established membership on or after June 1, 2026) may open one Triple Option CD during promotional period with no cap on maximum dollar amount. 3 After CD is open 90 days, current and new members may take advantage of any or all of these features once each: a higher rate, adding funds, and a penalty-free withdrawal up to 50% of the original principal balance. Early withdrawal penalties apply to any additional withdrawals of principal. Features may be selected at the same or different times. The option for a higher rate will be based on the then-current FCCU 12-month CD rate – visit FirstCommerceCU.org for current rates. Additional funds may not exceed the original opening balance of CD. Fees could reduce earnings. 4 Annual percentage yield (APY) assumes principal and dividends remain on deposit for the 13-month term of the certificate (CD). APY is accurate as of 6-1-26. Minimum balance to open and earn dividends is $1,000. Maturing 13-month promotional CDs will not automatically renew with promotional features or rate. Offer good for initial term only and will renew as a standard 12-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.
*APY=Annual Percentage Yield. CD=Certificate of Deposit. Rates subject to change without notice. Early withdrawals will be subject to a substantial penalty and any fees could reduce the yield. Speak to a Financial Services Officer for complete details. Insured by NCUA.1 Current members (established membership prior to June 1, 2026) may open up to three Triple Option CDs during promotional period with no cap on maximum dollar amount. 2 New members (established membership on or after June 1, 2026) may open one Triple Option CD during promotional period with no cap on maximum dollar amount. 3 After CD is open 90 days, current and new members may take advantage of any or all of these features once each: a higher rate, adding funds, and a penalty-free withdrawal up to 50% of the original principal balance. Early withdrawal penalties apply to any additional withdrawals of principal. Features may be selected at the same or different times. The option for a higher rate will be based on the then-current FCCU 12-month CD rate – visit FirstCommerceCU.org for current rates. Additional funds may not exceed the original opening balance of CD. Fees could reduce earnings. 4 Annual percentage yield (APY) assumes principal and dividends remain on deposit for the 13-month term of the certificate (CD). APY is accurate as of 6-1-26. Minimum balance to open and earn dividends is $1,000. Maturing 13-month promotional CDs will not automatically renew with promotional features or rate. Offer good for initial term only and will renew as a standard 12-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.
*APY=Annual Percentage Yield. CD=Certificate of Deposit. Rates subject to change without notice. Early withdrawals will be subject to a substantial penalty and any fees could reduce the yield. Speak to a Financial Services Officer for complete details. Insured by NCUA.1 Current members (established membership prior to June 1, 2026) may open up to three Triple Option CDs during promotional period with no cap on maximum dollar amount. 2 New members (established membership on or after June 1, 2026) may open one Triple Option CD during promotional period with no cap on maximum dollar amount. 3 After CD is open 90 days, current and new members may take advantage of any or all of these features once each: a higher rate, adding funds, and a penalty-free withdrawal up to 50% of the original principal balance. Early withdrawal penalties apply to any additional withdrawals of principal. Features may be selected at the same or different times. The option for a higher rate will be based on the then-current FCCU 12-month CD rate – visit FirstCommerceCU.org for current rates. Additional funds may not exceed the original opening balance of CD. Fees could reduce earnings. 4 Annual percentage yield (APY) assumes principal and dividends remain on deposit for the 13-month term of the certificate (CD). APY is accurate as of 6-1-26. Minimum balance to open and earn dividends is $1,000. Maturing 13-month promotional CDs will not automatically renew with promotional features or rate. Offer good for initial term only and will renew as a standard 12-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.
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.
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 and are subject to change without notice.
Loan Rates
*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.
*APR = Annual Percentage Rate. Offer good through June 30, 2026. Introductory rate will be in effect for the first six (6) months after account is opened. Upon expiration of introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate (APR), which can range from Prime -0.25% to Prime +1.0% using the Wall Street Journal Prime Rate (currently an APR of 6.75% not to be less than 4.99% or exceed 15.00% at any time. Rates cannot increase more than 2% annually and 6% over the life of the loan, based on the original non discounted rate. Information accurate as of 03/16/2026. After the promotional period, variable standard APR will be based on Loan-to-Value (LTV) and a review of your credit application as disclosed in your loan agreement. All HELOC products, conditions, and rates are subject to our standard underwriting criteria, LTV limitations, lien positions, property use, and location. Up to 90% of the value of your home, less first mortgage balance and any other existing liens can be used to establish the line (based on credit qualifications). This offer is available for new equity line members and subject to change without notice. Offer available to existing HELOC members who borrow an additional 50,000. Hazard insurance required. Flood insurance required where applicable. Loan amounts range from $10,000 to $500,000. Most closing costs paid by First Commerce Credit Union. Minimum initial advance of $30,000 or full loan amount if less than $30,000 borrowed. Exclusions and limitations apply. Refer to HELOC Early Disclosure or ask a Financial Service Officer for details. Please consult your tax advisor regarding interest deductibility. This offer may be withdrawn at any time. Call 850.488.0035 or 1.800.533.5772. This offer may not be combined with any other offers or discounts. NMLS#774895
Rates are accurate as of and are subject to change without notice.
Rates are accurate as of and are subject to change without notice.
Rates are accurate as of and are subject to change without notice.
Rates are accurate as of June 1, 2026 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.
