*Switch, Earn, Save allows eligible members to receive a one-time increase of .25% Annual Percentage Yield (APY) to their existing CD rate or a one-time decrease of .25% Annual Percentage Rate (APR) to their existing auto loan rate for opening a Power Checking account and maintaining an active account for six months. An active checking account is defined as having direct deposit, maintaining an average daily balance of $1,000 or more and conduct a minimum of 10 debit card transactions per month. Members must open a Power Checking account within 60 days of receiving the offer and must meet the qualifications of an active checking account within 90 days of account opening. Only members with existing auto loans or CDs are eligible for this promo. Loan cannot have been over 30 days past due at any time and cannot be more than 10 days past due at time of eligibility. Eligible members cannot be a primary or joint signer on an existing First Commerce Credit Union checking account. At the time of checking account opening member can choose to apply loan rate discount or CD rate bonus immediately or reserve application of discount/bonus for up to six months from checking account open date. Failure to maintain the requirements of offer will result in the revocation of bonus or discount at the end of the month in which requirements were not met. This offer cannot be combined with any other offer. First Commerce Credit Union reserves the right to discontinue or modify this offer at any time, at its discretion. Minimum opening deposit $25. Insured by NCUA.