Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
First Commerce Bank (NJ) Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
First Commerce Bank (NJ)'s CDs - 17-Month Request Appointment rates are at 4.50%, CDs - 10-Month Request Appointment rates are at 4.10%, 6-Month CD Account - Online Only rates are at 3.75%, 7-Month CD Account - Online Only rates are at 3.75%, CDs - 18-Month Request Appointment rates are at 3.75%. First Commerce Bank (NJ)'s savings rates are at 3.00%. First Commerce Bank (NJ)'s money market rates are at 3.00%. First Commerce Bank (NJ)'s checking rates are as high as 3.00%. First Commerce Bank (NJ)'s top CD rate of 4.50% APY on a 17 month CD is 52% higher than the MonitorBankRates national average of 2.95% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of First Commerce Bank (NJ) with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.42%. Rates last updated and verified on 11/05/2026.
First Commerce Bank (NJ) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Commerce Bank (NJ)? Share your experience about First Commerce Bank (NJ) by leaving a review below, or read customer reviews before you decide to use First Commerce Bank (NJ).
First Commerce Bank (NJ) has earned an overall safety grade of A (Excellent, Score: 95/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
First Commerce Bank (NJ) has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
9.42%
ExcellentHigher than avg
First Commerce Bank (NJ) Texas Ratio
First Commerce Bank (NJ)'s Texas Ratio is 9.42%, which is considered excellent and is higher than the national average of 5.85%.
First Commerce Bank (NJ) has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
9.43% to 9.42% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this bank has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
First Commerce Bank (NJ) CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
CDs - 17-Month Request Appointment
4.402%
4.50%
17 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA CDs - 17-Month Request Appointment
4.402%
4.50%
17 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 10-Month Request Appointment
4.019%
4.10%
10 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
6-Month CD Account - Online Only
3.682%
3.75%
6 months
$1,000
Min Deposit$1,000
DetailsOnline Only; Open Account; Minimum balance to open certificate and obtain stated APY is $1,000.00
Last Updated11/05/2026
Rate History
2 changes since Sep 27, 2026 · 3.75% → 3.75% ▼ 0.00 pts · high 3.75% / low 3.50%
Oct 26, 20263.75%▲ from 3.50%
Oct 14, 20263.50%▼ from 3.75%
Sep 27, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
7-Month CD Account - Online Only
3.682%
3.75%
7 months
$1,000
Min Deposit$1,000
DetailsOnline Only; Open Account; Minimum balance to open certificate and obtain stated APY is $1,000.00
Last Updated11/05/2026
Rate History
2 changes since Sep 27, 2026 · 3.75% → 3.75% ▼ 0.00 pts · high 3.75% / low 3.50%
Oct 26, 20263.75%▲ from 3.50%
Oct 14, 20263.50%▼ from 3.75%
Sep 27, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 18-Month Request Appointment
3.682%
3.75%
18 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA CDs - 18-Month Request Appointment
3.682%
3.75%
18 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
12-Month CD Account - Online Only
3.441%
3.50%
12 months
$1,000
Min Deposit$1,000
DetailsOnline Only; Open Account; Minimum balance to open certificate and obtain stated APY is $1,000.00
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
15-Month CD Account - Online Only
3.441%
3.50%
15 months
$1,000
Min Deposit$1,000
DetailsOnline Only; Open Account; Minimum balance to open certificate and obtain stated APY is $1,000.00
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 1-Month Request Appointment
3.441%
3.50%
1 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 11-Month Request Appointment
3.441%
3.50%
11 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 12-Month Request Appointment
3.441%
3.50%
12 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 13-Month Request Appointment
3.441%
3.50%
13 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 14-Month Request Appointment
3.441%
3.50%
14 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 15-Month Request Appointment
3.441%
3.50%
15 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 3-Month Request Appointment
3.441%
3.50%
3 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 5-Month Request Appointment
3.441%
3.50%
5 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 6-Month Request Appointment
3.441%
3.50%
6 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 7-Month Request Appointment
3.441%
3.50%
7 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 9-Month Request Appointment
3.441%
3.50%
9 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA CDs - 12-Month Request Appointment
3.441%
3.50%
12 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA CDs - 19-Month Request Appointment
3.441%
3.50%
19 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA CDs - 9-Month Request Appointment
3.441%
3.50%
9 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
24-Month CD Account - Online Only
3.199%
3.25%
24 months
$1,000
Min Deposit$1,000
DetailsOnline Only; Open Account; Minimum balance to open certificate and obtain stated APY is $1,000.00
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 19-Month Request Appointment
3.199%
3.25%
19 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 20-Month Request Appointment
3.199%
3.25%
20 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 23-Month Request Appointment
3.199%
3.25%
23 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 24-Month Request Appointment
3.199%
3.25%
24 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA CDs - 20-Month Request Appointment
3.199%
3.25%
20 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA CDs - 23-Month Request Appointment
3.199%
3.25%
23 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA CDs - 24-Month Request Appointment
3.199%
3.25%
24 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 27-Month Request Appointment
2.956%
3.00%
27 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 29-Month Request Appointment
2.956%
3.00%
29 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 30-Month Request Appointment
2.956%
3.00%
30 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 36-Month Request Appointment
2.956%
3.00%
36 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 48-Month Request Appointment
2.956%
3.00%
48 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
CDs - 60-Month Request Appointment
2.956%
3.00%
60 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA CDs - 30-Month Request Appointment
2.956%
3.00%
30 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA CDs - 36-Month Request Appointment
2.956%
3.00%
36 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA CDs - 48-Month Request Appointment
2.956%
3.00%
48 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA CDs - 60-Month Request Appointment
2.956%
3.00%
60 Month
$1,000
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
First Commerce Bank (NJ) Savings Rates
Product
Rate
APY
View More
Relationship Savings
2.956%
3.00%
Min Deposit$1,000
DetailsPersonal Banking Rates
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
Holiday Club
0.35%
0.35%
Min Deposit$5
Min Balance$100
DetailsPersonal Banking Rates; Balance: $100 and over
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 9 times
No change since Sep 14, 2026 · 0.30% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
IRA Express
0.35%
-
0.35%
Min Deposit$50
Min Balance$100,000
DetailsPersonal Banking Rates; Balance: $100,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.42%
Financial Health History
First Commerce Bank (NJ)’s Texas Ratio stayed near 9.43% in Q3 2023 to 9.42% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$2.0B
9.42%
5.0
A
March 31, 2026
$1.8B
9.76%
5.0
A
December 31, 2025
$1.8B
10.03%
5.0
A
September 30, 2025
$1.7B
11.30%
5.0
A
June 30, 2025
$1.7B
10.63%
5.0
A
March 31, 2025
$1.6B
22.65%
4.4
B-
December 31, 2024
$1.6B
22.24%
4.4
B-
September 30, 2024
$1.5B
8.49%
5.0
A
June 30, 2024
$1.5B
8.23%
5.0
A
March 31, 2024
$1.5B
10.61%
5.0
A
December 31, 2023
$1.4B
10.69%
5.0
A
September 30, 2023
$1.4B
9.43%
5.0
A
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for First Commerce Bank (NJ) is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather First Commerce Bank (NJ) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Commerce Bank (NJ)'s official website for the most current offers and terms.
First Commerce Bank (NJ) earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for First Commerce Bank (NJ) yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for First Commerce Bank (NJ)
Frequently Asked Questions About First Commerce Bank (NJ)
Does First Commerce Bank (NJ) offer CDs?
Yes. First Commerce Bank (NJ) current CD rates include its CDs - 17-Month Request Appointment at 4.50% APY, its CDs - 10-Month Request Appointment at 4.10% APY and its 6-Month CD Account - Online Only at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from First Commerce Bank (NJ) FDIC insured?
Yes. First Commerce Bank (NJ) is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at First Commerce Bank (NJ)?
The highest First Commerce Bank (NJ) CD rate is its CDs - 17-Month Request Appointment at 4.50% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does First Commerce Bank (NJ) offer?
First Commerce Bank (NJ) CD rates are 3.75% APY for a 6 month CD, 3.75% APY for a 7 month CD, 4.10% APY for a 10 month CD, 3.50% APY for a 12 month CD, 4.50% APY for a 17 month CD, 3.75% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.00% APY for a 3 year CD, 3.00% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First Commerce Bank (NJ) for its full lineup.
What is the highest savings rate at First Commerce Bank (NJ)?
The highest First Commerce Bank (NJ) savings rate is its Relationship Savings at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at First Commerce Bank (NJ)?
The highest First Commerce Bank (NJ) money market rate is its Consumer Relationship Money Market at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at First Commerce Bank (NJ)?
The highest First Commerce Bank (NJ) checking rate is its Checking - Ultimate Rewards at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.
How many branches does First Commerce Bank (NJ) operate?
First Commerce Bank (NJ) currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, First Commerce Bank (NJ) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, First Commerce Bank (NJ) provides members with tools to manage their accounts and build a solid financial history.
Does First Commerce Bank (NJ) offer online and mobile banking?
Most modern institutions like First Commerce Bank (NJ) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstcommercebk.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do First Commerce Bank (NJ) rates compare?
First Commerce Bank (NJ)'s top CD rate of 4.50% APY on a 17 month CD is 52% higher than the MonitorBankRates national average of 2.95% APY for that term, and it has an A health rating. First Commerce Bank (NJ)'s top rates are its CDs - 17-Month Request Appointment at 4.50% APY, its Relationship Savings at 3.00% APY, its Consumer Relationship Money Market at 3.00% APY and its Checking - Ultimate Rewards at 3.00% APY, verified by MonitorBankRates on November 5, 2026.
Current First Commerce Bank (NJ) Rates
12-Month CD3.50%
18-Month CD3.25%
24-Month CD3.25%
36-Month CD3.00%
48-Month CD3.00%
60-Month CD3.00%
Savings3.00%
MMA3.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
