What are the current interest rates at First Commerce Bank (NJ)?

Current rates for First Commerce Bank (NJ) include: 12-Month CD: 3.50%, 18-Month CD: 3.25%, 24-Month CD: 3.25%, 36-Month CD: 3.00%, 48-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 0.10%, MMA: 0.25%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
First Commerce Bank (NJ)

iAdvertiser Disclosure

First Commerce Bank (NJ) Rates & Review September 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

First Commerce Bank (NJ)'s 15-Month CD rates are at 4.15%, Online CDs 15-Month rates are at 4.15%, 6-Month - Online Only CD rates are at 3.75%, 7-Month - Online Only CD rates are at 3.75%, CDs 18-Month rates are at 3.75%. First Commerce Bank (NJ)'s savings rates are at 0.10%. First Commerce Bank (NJ)'s money market rates are at 0.25%. 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 09/18/2026.

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).

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.42%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

First Commerce Bank

105 River Ave
Lakewood, NJ 08701

https://www.firstcommercebk.com

First Commerce Bank (NJ) CD Rates

Product	Rate	APY	Term
15 Month CD	4.07%	4.15%	15 Month
Min Deposit $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
6 Month - Online Only CD	3.68%	3.75%	6 Month
Min Deposit $1,000 Details Online Only Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
7 Month - Online Only CD	3.68%	3.75%	7 Month
Min Deposit $1,000 Details Online Only Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
12 Month - Online Only CD	3.44%	3.50%	12 Month
Min Deposit $1,000 Details Online Only Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
24 Month - Online Only CD	3.20%	3.25%	24 Month
Min Deposit $1,000 Details Online Only Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%

First Commerce Bank (NJ) Savings Rates

Product	Rate	APY
Business Relationship Savings	2.96%	3.00%
Min Deposit $1,000 Min Balance $1,000 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Relationship Savings	2.96%	3.00%
Min Deposit $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Holiday Club	0.35%	0.35%
Min Deposit $5 Min Balance $100 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Premier Savings	0.35%	0.35%
Min Deposit $1,000 Min Balance $0 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Premier Savings	0.35%	0.35%
Min Deposit $1,000 Min Balance $5,000 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Holiday Club	0.35%	0.35%
Min Deposit $5 Details Balance: $100 + Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
IRA Express Savings	0.35%	0.35%
Min Deposit $50 Min Balance $100,000 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
IRA Express Savings	0.35%	0.35%
Min Deposit $50 Details Balance: $100,000 + Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Premier Savings	0.35%	0.35%
Min Deposit $1,000 Details Balance: $0 - $4,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
IRA Express Savings	0.30%	0.30%
Min Deposit $50 Min Balance $0 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Statement Savings	0.10%	0.10%
Min Deposit $100 Min Balance $100 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Tenant Escrow Savings	0.10%	0.10%
Min Deposit $100 Min Balance $100 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Minor Savings	0.10%	0.10%
Min Deposit $25 Min Balance $25 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Statement Savings	0.10%	0.10%
Min Deposit $100 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Tenant Escrow Savings	0.10%	0.10%
Min Deposit $100 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%

First Commerce Bank (NJ) Money Market Rates

Product	Rate	APY
Business Consumer Relationship Money Market	2.96%	3.00%
Min Deposit $1,000 Min Balance $1,000 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Relationship Money Market	2.96%	3.00%
Min Deposit $1,000 Min Balance $1,000 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Consumer Relationship Money Market	2.96%	3.00%
Min Deposit $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Premier Business Money Market	2.71%	2.75%
Min Deposit $10,000 Min Balance $50,000 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Premier Business Money Market	2.71%	2.75%
Min Deposit $10,000 Details Balance: $50,000 + Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Premier Business Money Market	1.74%	1.75%
Min Deposit $10,000 Min Balance $0 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Premier Money Market	1.49%	1.50%
Min Deposit $10,000 Min Balance $50,000 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Premier Money Market	1.49%	1.50%
Min Deposit $10,000 Details Balance: $50,000 + Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Premier Money Market	1.24%	1.25%
Min Deposit $10,000 Min Balance $0 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Premier Money Market	1.24%	1.25%
Min Deposit $10,000 Details Balance: $0 - $49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Money Market	0.30%	0.30%
Min Deposit $50 Min Balance $100,000 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Money Market	0.30%	0.30%
Min Deposit $50 Details Balance: $100,000 + Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Money Market	0.25%	0.25%
Min Deposit $50 Min Balance $0 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Money Market	0.25%	0.25%
Min Deposit $50 Details Balance: $0 - $99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%

First Commerce Bank (NJ) Checking Rates

Product	Rate	APY
Business IOLTA Checking	2.37%	2.40%
Min Deposit $0 Min Balance $0 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
IOLTA Checking	2.37%	2.40%
Min Deposit $0 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
50+ Golden Checking	0.30%	0.30%
Min Deposit $100 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business 50+ Golden Checking	0.30%	0.30%
Min Deposit $100 Min Balance $100 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Premier Interest Checking	0.30%	0.30%
Min Deposit $500 Min Balance $500 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Premier Interest Checking	0.30%	0.30%
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Interest Checking	0.25%	0.25%
Min Deposit $1,000 Min Balance $1,000 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Non-profit Checking	0.25%	0.25%
Min Deposit $50 Min Balance $50 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Interest Checking	0.25%	0.25%
Min Deposit $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Non-profit Checking	0.25%	0.25%
Min Deposit $50 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Attorney/Client Sub Checking	0.10%	0.10%
Min Deposit $50 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Attorney/Client Sub Checking	0.10%	0.10%
Min Deposit $50 Min Balance $50 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%

First Commerce Bank (NJ) Other Rates

Product	Rate	Points	APY/APR
Business Premier Interest	0.25%	-	0.25%
Min Deposit $500 Min Balance $500 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Ultimate Rewards	0.50%	-	0.50%
Min Deposit $100 Min Balance $100 Details Rate applicable for balances up to $100,000 when qualifications disclosed are met. Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Business Ultimate Rewards	2.96%	-	3.00%
Min Deposit $100 Min Balance $100 Details Annual Percentage Yield (APY) listed is available as of December 12, 2025. Current APY is subject to change after account opening at any given time without prior notice. Fees may reduce earnings on this account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Premier Interest	0.25%	-	0.25%
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Ultimate Rewards	0.50%	-	0.50%
Min Deposit $100 Min Balance $100,000 Details Rate applicable for balances up to $100,000 when qualifications disclosed are met. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%
Ultimate Rewards	2.96%	-	3.00%
Min Deposit $100 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.42%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Commerce Bank (NJ)’s Texas Ratio stayed near 9.51% 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	22.66%	4.4	B-
December 31, 2024	$1.6B	22.24%	4.4	B-
September 30, 2024	$1.5B	8.65%	5.0	A
June 30, 2024	$1.5B	8.77%	5.0	A
March 31, 2024	$1.5B	11.03%	5.0	A
December 31, 2023	$1.4B	10.70%	5.0	A
September 30, 2023	$1.4B	9.51%	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.

Bank Profile & Overview

Institution Name First Commerce Bank (NJ)

Bank Holding Company FIRST COMMERCE BCORP INC

Address 105 River Ave, Lakewood, NJ 08701 · Ocean

Website https://www.firstcommercebk.com

FDIC Certificate # 58054

Established 20060130

FDIC Insurance Date 20060130

Domestic Offices 11

Total Branches 11

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.42%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9626%

Return on Equity (ROE) 9.6900%

Non-Performing Loans (NPL) 0.57%

Total Assets $1,964,972,000

Total Deposits $1,440,053,000

Equity Capital $192,535,000

Net Income $8,952,000

Headquarters Lakewood

Total Branches and Offices 11

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/first-commerce-bank-rates-review-58054">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Add Your Rating and Review for First Commerce Bank (NJ)

Frequently Asked Questions About First Commerce Bank (NJ)

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.