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First Commerce Credit Union

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First Commerce Credit Union Rates & Review November 2026

Q: What are the current interest rates at First Commerce Credit Union?

Current rates for First Commerce Credit Union include: 12-Month CD: 2.70%, 18-Month CD: 2.75%, 24-Month CD: 2.90%, Savings: 2.53%, MMA: 4.00%

Q: What CD terms does First Commerce Credit Union offer?

First Commerce Credit Union CD rates are 2.70% APY for a 12 month CD, 4.25% APY for a 13 month CD, 2.75% APY for an 18 month CD, 2.90% APY for a 2 year CD and 3.10% APY for a 4 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with First Commerce Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

First Commerce Credit Union's 13 Month CD of Deposit rates are at 4.25%, 13 Month Traditional CD rates are at 4.25%, CD of Deposit - 13 month rates are at 4.25%, 13 Month Triple Option CD rates are at 4.00%, 4 Year CD of Deposit rates are at 3.10%. First Commerce Credit Union's savings rates are at 2.53%. First Commerce Credit Union's money market rates are at 4.00%. First Commerce Credit Union's checking rates are as high as 0.20%. First Commerce Credit Union's Personal Loan Rates are as low as 11.24%. First Commerce Credit Union's CD rates are 1% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First Commerce Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.60%. Rates last updated and verified on 10/30/2026.

First Commerce Credit Union 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 Credit Union? Share your experience about First Commerce Credit Union by leaving a review below, or read customer reviews before you decide to use First Commerce Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.60%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First Commerce Credit Union
Ronald W. Fye Administrative Facility

2073 Summit Lake Dr Ste 100
Tallahassee, FL 32317

https://www.firstcommercecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Commerce Credit Union CD Rates

Product	Rate	APY	Term
13 Month Certificate of Deposit	4.17%	4.25%	13 months
Min Balance $1,000 Details Term: 13 months (Triple Option CD Special); Alternate rate listing for 13 month Triple Option CD (second copy of CD table on page); minimum balance $1,000; dividend posting monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
13 Month Traditional CD	4.17%	4.25%	13 months
Details Bay; Triple Option CD Special; Dividend Posting: Monthly; Minimum balance to open and earn dividends is $1,000; Maturing promotional CD renews as a standard 12-month CD Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Certificate of Deposit - 13 month	4.17%	4.25%	13 months
Details Triple Option CD Special; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
13 Month Certificate of Deposit	3.93%	4.00%	13 months
Min Balance $1,000 Details Term: 13 months (Triple Option CD Special); Triple Option CD promotional rate; minimum balance to open and earn dividends is $1,000; dividend posting monthly Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00% Oct 30, 20264.00%▼ from 4.25% Oct 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
13 Month Traditional CD	3.93%	4.00%	13 months
Min Deposit $1,000 Details GA; Triple Option CD Special; Dividend Posting: Monthly; APY assumes principal and dividends remain on deposit for the 13-month term; maturing promotional CD renews as a standard 12-month CD; minimum balance to open and earn dividends is $1,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
13 Month Triple Option CD	3.93%	4.00%	13 months
Min Deposit $1,000 Details FL; Triple Option CD Special; Dividend Posting: Monthly; Promotional 13-month CD renews as standard 12-month CD; Minimum balance to open and earn dividends is $1,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
CD - 13 month (Triple Option CD Special)	3.93%	4.00%	13 months
Min Deposit $1,000 Details FL; Triple Option CD promotional special; Minimum balance to open and earn dividends is $1,000; Dividends posted monthly; APY accurate as of 6-1-26 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
4 Year Certificate of Deposit	3.06%	3.10%	4 years
Details Dividend posting monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
4 Year Traditional CD	3.06%	3.10%	4 years
Min Deposit $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
CD - 4 years	3.06%	3.10%	4 years
Details FL; Dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
3 Year Certificate of Deposit	2.96%	3.00%	3 years
Details Dividend posting monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
3 Year Traditional CD	2.96%	3.00%	3 years
Min Deposit $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
CD - 3 years	2.96%	3.00%	3 years
Details FL; Dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
2 Year Certificate of Deposit	2.86%	2.90%	2 years
Details Dividend posting monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
2 Year Traditional CD	2.86%	2.90%	2 years
Min Deposit $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
CD - 2 years	2.86%	2.90%	2 years
Details FL; Dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
18 Month Certificate of Deposit	2.72%	2.75%	18 months
Details Dividend posting monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
18 Month Traditional CD	2.72%	2.75%	18 months
Min Deposit $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
CD - 18 month	2.72%	2.75%	18 months
Details FL; Dividends posted monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
12 Month Certificate of Deposit	2.67%	2.70%	12 months
Details Dividend posting monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
12 Month Traditional CD	2.67%	2.70%	12 months
Min Deposit $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
CD - 12 month	2.67%	2.70%	12 months
Details FL; Dividends posted monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
6 Month Certificate of Deposit	1.49%	1.50%	6 months
Details Dividend posting monthly; Minimum balance to open and earn dividends is $1,000 (Triple Option CD footnote applies to 13-month CD only) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
6 Month Traditional CD	1.49%	1.50%	6 months
Min Deposit $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
CD - 6 month	1.49%	1.50%	6 months
Details FL; Dividends posted monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
91 Day Certificate of Deposit	0.60%	0.60%	91 days
Details Not offered on IRAs; Dividend posting monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
91 Day Traditional CD	0.60%	0.60%	91 days
Min Deposit $1,000 Details FL; Dividend Posting: Monthly; Not offered on IRAs Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
CD - 91 days	0.60%	0.60%	91 days
Details FL; Not offered on IRAs; Dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Business CD Rates

Product	Rate	APY	Term
Business CD - 13 month (Triple Option CD Special)	4.17%	4.25%	13 months
Min Deposit $1,000 Min Balance $1,000 Details Bay; Triple Option CD Special; Dividend Posting: Monthly; Promotional 13-month CD renews as standard 12-month CD Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
13 Month Business CD	3.93%	4.00%	13 months
Min Deposit $1,000 Min Balance $1,000 Details FL; Triple Option CD Special; Dividend Posting: Monthly; Promotional 13-month CD renews as standard 12-month CD Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business CD - 13 month (Triple Option CD Special)	3.93%	4.00%	13 months
Min Deposit $1,000 Min Balance $1,000 Details Triple Option CD Special; promotional 13-month CD renews as standard 12-month CD; Dividend Posting: Monthly; Flexible terms from 91 days to 4 years; Fixed rate; open multiple CDs with varying terms Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00% Oct 26, 20264.00%▼ from 4.25% Oct 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
4 Year Business CD	3.06%	3.10%	4 years
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business CD - 4 years	3.06%	3.10%	4 years
Min Deposit $1,000 Min Balance $1,000 Details Bay; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
3 Year Business CD	2.96%	3.00%	3 years
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business CD - 3 years	2.96%	3.00%	3 years
Min Deposit $1,000 Min Balance $1,000 Details Bay; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
2 Year Business CD	2.86%	2.90%	2 years
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business CD - 2 years	2.86%	2.90%	2 years
Min Deposit $1,000 Min Balance $1,000 Details Bay; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
18 Month Business CD	2.72%	2.75%	18 months
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
12 Month Business CD	2.67%	2.70%	12 months
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
6 Month Business CD	1.49%	1.50%	6 months
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
91 Day Business CD	0.60%	0.60%	91 days
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly; Not offered on IRAs Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business CD - 91 days	0.60%	0.60%	91 days
Min Deposit $1,000 Min Balance $1,000 Details Bay; Dividend Posting: Monthly; Not offered on IRAs Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Savings Rates

Product	Rate	APY
EvenUp Savings	2.50%	2.53%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 - $3,000.00; Requires debit card and one of: Power Checking, Power Checking + CoverMe, or SmartStart Checking; Dividends posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Summer Camp Savings Club	-	2.50%
Min Deposit $5 Details Balance: $0.00 - $3,000.00; Qualifying balance up to $3,000.00; Maturity dates: March 1, 2027 or June 1, 2027; Rates are subject to change quarterly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	0.60%	0.60%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000.00 and above; Prospective Dividend Rate/APY; dividends posted quarterly; rate table titled Business Savings Account Rates Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	-	0.60%
Min Balance $50,000 Details Balance: $50,000.00 and above; Dividends posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	0.45%	0.45%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Prospective Dividend Rate/APY; dividends posted quarterly; rate table titled Business Savings Account Rates Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	-	0.45%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Dividends posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	0.30%	0.30%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Prospective Dividend Rate/APY; dividends posted quarterly; rate table titled Business Savings Account Rates Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	-	0.30%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Dividends posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
EvenUp Savings	0.25%	0.25%
Min Deposit $5 Min Balance $3,000 Details Balance: $3,000.01 and over; Requires debit card and one of: Power Checking, Power Checking + CoverMe, or SmartStart Checking; Dividends posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	0.18%	0.18%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Prospective Dividend Rate/APY; dividends posted quarterly; rate table titled Business Savings Account Rates Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.18% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	-	0.18%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Dividends posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.18% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Holiday Club	0.15%	0.15%
Min Balance $5 Details Balance: $5.00; Prospective Dividend Rate/APY; All dividends are posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Rosey's Holiday Club	0.15%	0.15%
Min Deposit $5 Min Balance $5 Details Balance: $5.00; Prospective Dividend Rate/APY; Dividends posted quarterly; Funds must remain on deposit until November 1 or some dividends may be forfeited Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	0.12%	0.12%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 - $2,499.99; Prospective Dividend Rate/APY; dividends posted quarterly; rate table titled Business Savings Account Rates Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	-	0.12%
Min Balance $5 Details Balance: $5.00 - $2,499.99; Dividends posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Business Savings Rates

Product	Rate	APY
Business Savings Account	-	0.60%
Min Balance $50,000 Details Balance: $50,000.00 and above; Prospective Dividend Rate/APY; dividends posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business Savings Account	-	0.45%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Prospective Dividend Rate/APY; dividends posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business Savings Account	-	0.30%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Prospective Dividend Rate/APY; dividends posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business Savings Account	-	0.18%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Prospective Dividend Rate/APY; dividends posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.18% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business Savings Account	-	0.12%
Min Balance $5 Details Balance: $5.00 - $2,499.99; Prospective Dividend Rate/APY; dividends posted quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Money Market Rates

Product	Rate	APY
Momentum Money Market	3.93%	4.00%
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $9,999.99; Earn up to 4.00% APY on balances under $10,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	2.96%	3.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	1.98%	2.00%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	1.49%	1.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	0.75%	0.75%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	0.75%	0.75%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 and above Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account	0.75%	0.75%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account	0.50%	0.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account	0.35%	0.35%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 0.40% → 0.35% ▼ 0.05 pts · high 0.40% / low 0.35% Sep 18, 20260.35%▼ from 0.40% Sep 14, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account	0.10%	0.10%
Min Deposit $2,500 Min Balance $50 Details Balance: $50.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account	0.10%	0.10%
Min Balance $0 Details Balance: Up to $9,999.99; $10 monthly fee on balances below $2,500 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Checking Rates

Product	Rate	APY
Money Market Account - Power Checking	1.14%	1.15%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 and above; Power Checking Account required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	1.14%	1.14%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 and above; requires qualifying Power Checking Account with Average Daily Balance of $2,500 or more; also applies to iEarn and iEarn 50+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.14% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	1.09%	1.10%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Power Checking Account required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	1.05%	1.05%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Power Checking Account required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	0.80%	0.80%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Power Checking Account required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	0.55%	0.55%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Power Checking Account required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	0.40%	0.40%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Power Checking Account required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Power Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000.01 and above Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	0.15%	0.15%
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $9,999.99; Power Checking Account required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Power Checking	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Power Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Power Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.01 - $5,000 Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Power Checking	0.00%	0.00%
Details Balance: Up to $2,500 Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Business Checking Rates

Product	Rate	APY
Business Community Interest Checking	0.15%	0.15%
Min Balance $15,000 Details Balance: $15,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business Community Interest Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business Community Interest Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business Community Interest Checking	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000 and above Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business Community Interest Checking	0.00%	0.00%
Min Balance $0 Details Balance: Balances up to $2,499.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.24%	5 years or less
Details As Low As; Amount Borrowed: Up to 90% of market value; Monthly Payment Per $1,000 excluded Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Home Equity Loan	-	-	7.24%	5-10 years
Details As Low As; Amount Borrowed: Up to 90% of market value Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Home Equity Loan	-	-	7.74%	10-15 years
Details As Low As; Amount Borrowed: Up to 90% of market value Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Home Equity Loan	-	-	8.74%	15-20 years
Details As Low As; Amount Borrowed: Up to 90% of market value; Minimum loan of $40,000 for 20-year term Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 8.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Home Equity Loan	-	-	9.74%	30 years
Details As Low As; Amount Borrowed: Up to 80% of market value; Minimum loan of $75,000 for 30-year term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.99%	48 months or less
Details FL; As Low As; APR* as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	5.24%	60 months
Details FL; As Low As; APR* as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	5.49%	66 months
Details FL; As Low As; APR* as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	5.49%	48 months or less
Details GA; As Low As; APR* as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	5.74%	72 months
Details FL; As Low As; APR* as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	5.74%	60 months
Details GA; As Low As; APR* as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	5.99%	66 months
Details As Low As; Rate group 2 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	5.99%	66 months
Details GA; As Low As; APR* as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	6.24%	84 months
Details FL; As Low As; APR* as low as Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	6.24%	72 months
Details GA; As Low As; APR* as low as Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.49% → 6.24% ▼ 0.25 pts · high 6.49% / low 6.24% Oct 19, 20266.24%▼ from 6.49% Sep 18, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	6.49%	72 months
Details As Low As; Rate group 1 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	6.74%	84 months
Details As Low As; Rate group 2 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	6.74%	84 months
Details GA; As Low As; APR* as low as Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 6.74% ▼ 0.25 pts · high 6.99% / low 6.74% Oct 19, 20266.74%▼ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	6.99%	84 months
Details As Low As; Rate group 1 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	7.24%	84 months
Details As Low As; Rate group 2 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Sep 27, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	7.49%	84 months
Details As Low As; Rate group 3 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	7.99%	84 months
Details As Low As; Rate group 3 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV, Boat, and Motorcycle Loan	-	5.79%	Up to 4 years
Details As Low As; Rate group 1 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 5.79% ▼ 1.20 pts · high 6.99% / low 5.79% Oct 30, 20265.79%▼ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	6.04%	6 years
Details Condition: 6 years ($15,000+). As Low As; Rate group 1 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 6.54% → 6.04% ▼ 0.50 pts · high 6.99% / low 6.04% Oct 30, 20266.04%▼ from 6.99% Oct 19, 20266.99%▲ from 6.54% Sep 18, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	6.29%	Up to 4 years
Details As Low As; Rate group 2 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 6.29% ▼ 0.70 pts · high 6.99% / low 6.29% Oct 30, 20266.29%▼ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	6.54%	6 years
Details Condition: 6 years ($15,000+). As Low As; Rate group 2 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 6.54% → 6.54% ▼ 0.00 pts · high 6.99% / low 6.54% Oct 30, 20266.54%▼ from 6.99% Oct 19, 20266.99%▲ from 6.54% Sep 18, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	6.99%	Up to 4 years
Details Bay; As Low As Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	6.99%	6 years
Details Condition: 6 years ($15,000+). Bay; As Low As; Amount borrowed $15,000+ Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.54% → 6.99% ▲ 0.45 pts · high 6.99% / low 6.54% Oct 19, 20266.99%▲ from 6.54% Sep 18, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	6.99%	10 years
Details Condition: 10 years ($50,000+). Bay; As Low As; Amount borrowed $50,000+ Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.74% → 6.99% ▼ 0.75 pts · high 7.74% / low 6.99% Oct 19, 20266.99%▼ from 7.74% Sep 18, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	6.99%	15 years
Details Condition: 15 years ($75,000+). Bay; As Low As; Amount borrowed $75,000+ Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 6.99% ▼ 1.00 pts · high 7.99% / low 6.99% Oct 19, 20266.99%▼ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	7.74%	10 years
Details Condition: 10 years ($50,000+). As Low As; Rate group 1 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 7.74% → 7.74% ▼ 0.00 pts · high 7.74% / low 6.99% Oct 30, 20267.74%▲ from 6.99% Oct 19, 20266.99%▼ from 7.74% Sep 18, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	7.99%	15 years
Details Condition: 15 years ($75,000+). As Low As; Rate group 1 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 7.99% → 7.99% ▼ 0.00 pts · high 7.99% / low 6.99% Oct 30, 20267.99%▲ from 6.99% Oct 19, 20266.99%▼ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	8.24%	10 years
Details Condition: 10 years ($50,000+). As Low As; Rate group 2 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 7.74% → 8.24% ▲ 0.50 pts · high 8.24% / low 6.99% Oct 30, 20268.24%▲ from 6.99% Oct 19, 20266.99%▼ from 7.74% Sep 18, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	8.49%	15 years
Details Condition: 15 years ($75,000+). As Low As; Rate group 2 of 3 (qualifier not labeled on page) Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 7.99% → 8.49% ▲ 0.50 pts · high 8.49% / low 6.99% Oct 30, 20268.49%▲ from 6.99% Oct 19, 20266.99%▼ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	11.24%	Up to 3 years
Details As Low As; APR* as low as 11.24%; Payment Per $1,000 Borrowed: $32.85 (payment, not a rate) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 11.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fixed Land Loan	-	-	8.99%	5 years or less
Details As Low As; APR* as low as; Payment Per $1,000 Borrowed: $20.76 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Fixed Land Loan	-	-	9.99%	5 to 10 years
Details As Low As; APR* as low as; Payment Per $1,000 Borrowed: $13.22 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Fixed Land Loan	-	-	10.49%	15 years
Details Term: 15 to 20 years ($40,000 minimum); As Low As; APR* as low as; Payment Per $1,000 Borrowed: $11.06 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Revolving Line of Credit	-	-	12.24%
Details Published APR range: 12.24% - 17.99%. Amount: $500 - $40,000 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 12.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Summer Camp Loan	-	-	4.99%	9 months
Details Rate with auto payment/transfer; Loan amount $500 - $2,500 unsecured; Max term 9 months; Subject to credit qualifications Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Summer Camp Loan	-	-	5.24%	9 months
Details Rate without auto payment/transfer; Loan amount $500 - $2,500 unsecured; Max term 9 months; Subject to credit qualifications Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 10, 20265.24%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business CD - 12 months	2.67%	-	2.70%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Bay; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business CD - 18 months	2.72%	-	2.75%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Bay; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business CD - 6 months	1.49%	-	1.50%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Bay; Dividend Posting: Monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Certificate of Deposit - 13 months	3.93%	-	4.00%	13 months
Min Balance $1,000 Details GA; Triple Option CD Special; Dividend Posting: Monthly; Minimum balance to open and earn dividends is $1,000; Promotional CD, will not automatically renew with promotional features or rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account (ESA)	0.10%	-	0.10%
Min Balance $50 Details Balance: $50.00 - $9,999.99; $2,000 maximum annual contribution per child under 18; must be liquidated by age 30 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account (ESA)	0.35%	-	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; $2,000 maximum annual contribution per child under 18; must be liquidated by age 30 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account (ESA)	0.50%	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; $2,000 maximum annual contribution per child under 18; must be liquidated by age 30 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account (ESA)	0.75%	-	0.75%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; $2,000 maximum annual contribution per child under 18; must be liquidated by age 30 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account (ESA)	1.00%	-	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; $2,000 maximum annual contribution per child under 18; must be liquidated by age 30 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account (ESA)	1.05%	-	1.05%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; $2,000 maximum annual contribution per child under 18; must be liquidated by age 30 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account (ESA)	1.09%	-	1.10%
Min Balance $500,000 Details Balance: $500,000.00 and above; $2,000 maximum annual contribution per child under 18; must be liquidated by age 30 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	-	-	0.10%
Min Balance $50 Details Balance: $50.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	-	-	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/30/2026 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: 3.60%
Education IRA	-	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	-	-	0.75%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	-	-	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	-	-	1.05%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	-	-	1.09%
Min Balance $500,000 Details Balance: $500,000.00 and above Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.09% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	0.10%	-	0.10%
Min Balance $50 Details Balance: $50.00 - $9,999.99; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	0.35%	-	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	0.50%	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	0.75%	-	0.75%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	1.00%	-	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	1.05%	-	1.05%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	1.09%	-	1.10%
Min Balance $500,000 Details Balance: $500,000.00 and above; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Traditional IRA	0.10%	-	0.10%
Min Balance $50 Details Balance: $50.00 - $9,999.99; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Traditional IRA	0.35%	-	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Traditional IRA	0.50%	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Traditional IRA	0.75%	-	0.75%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Traditional IRA	1.00%	-	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Traditional IRA	1.05%	-	1.05%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Traditional IRA	1.09%	-	1.10%
Min Balance $500,000 Details Balance: $500,000.00 and above; dividends posted monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

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.
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Financial Health History

First Commerce Credit Union’s Texas Ratio fell from 7.88% in Q3 2023 to 3.60% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union 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	$1.2B	3.60%	5.0	A+
March 31, 2026	$1.2B	3.72%	5.0	A+
December 31, 2025	$1.2B	4.00%	5.0	A+
September 30, 2025	$1.1B	4.52%	5.0	A+
June 30, 2025	$1.1B	3.87%	5.0	A+
March 31, 2025	$1.1B	3.74%	5.0	A+
December 31, 2024	$1.1B	5.17%	5.0	A+
September 30, 2024	$1.1B	5.91%	5.0	A+
June 30, 2024	$1.1B	5.93%	5.0	A+
March 31, 2024	$1.1B	6.31%	5.0	A
December 31, 2023	$1.1B	8.06%	5.0	A
September 30, 2023	$1.1B	7.88%	5.0	A

Source: NCUA 5300 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 Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather First Commerce Credit Union 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Commerce Credit Union

Website https://www.firstcommercecu.org

Address 2073 Summit Lake Dr Ste 100, Tallahassee, FL 32317

Phone 850-488-0035

Fax 850-921-2061

President Alan Neubauer

CEO Cecilia Homison

Full-Time Employees 188

Part-Time Employees 10

Branch Locations 15

ATM Locations 14

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.60%

Return on Assets (ROA)

0.3392%

Return on Equity (ROE)

3.3478%

Non-Performing Loans Ratio (NPL)

0.50%

Total Assets

1,237,808,239

Total Amount of Shares and Deposits

1,052,914,968

Total Shares and Deposits < 1 Year

932,897,400

Total Shares and Deposits 1 3 Years

119,311,453

Total Shares and Deposits > 3 Years

706,115

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

96,445,831

Total Uninsured Shares and Deposits > $250K (F+J)

114,605,563

Total Insured Shares and Deposits > $250K (item 17 less item K)

938,309,405

Total Interest Expense (Sum of items 6 8)

10,962,133

Share Certificates

7,724

Number of Accounts for Share Drafts

42,988

IRA KEOGH Accounts

1,895

Number of Accounts for Regular Shares

99,175

Non Member Deposits

Money Market Shares

2,039

Net Income (unless the amount is already included in Undivided Earnings)

4,198,412

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

53,163,853

Total Liabilities

1,140,129,791

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Commerce Credit Union 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.

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  <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

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Commerce Credit Union

Does First Commerce Credit Union offer CDs?

Yes. First Commerce Credit Union current CD rates include its 13 Month CD of Deposit at 4.25% APY, its 13 Month Traditional CD at 4.25% APY and its CD of Deposit - 13 month at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from First Commerce Credit Union NCUA insured?

Yes. First Commerce Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Commerce Credit Union?

The highest First Commerce Credit Union CD rate is its 13 Month CD of Deposit at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does First Commerce Credit Union offer?

First Commerce Credit Union CD rates are 2.70% APY for a 12 month CD, 4.25% APY for a 13 month CD, 2.75% APY for an 18 month CD, 2.90% APY for a 2 year CD and 3.10% APY for a 4 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with First Commerce Credit Union for its full lineup.

What is the highest savings rate at First Commerce Credit Union?

The highest First Commerce Credit Union savings rate is its EvenUp Savings at 2.53% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at First Commerce Credit Union?

The highest First Commerce Credit Union money market rate is its Momentum Money Market at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at First Commerce Credit Union?

The highest First Commerce Credit Union checking rate is its Money Market Account - Power Checking at 1.15% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at First Commerce Credit Union?

The lowest First Commerce Credit Union auto loan rate is its New Auto Loan at 4.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at First Commerce Credit Union?

The lowest First Commerce Credit Union personal loan rate is its Signature Loan at 11.24% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does First Commerce Credit Union operate?

First Commerce Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join First Commerce Credit Union?

Yes, to access services at First Commerce Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, First Commerce Credit Union 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 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Commerce Credit Union offer online and mobile banking?

Most modern institutions like First Commerce Credit Union 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.firstcommercecu.org.

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. Credit unions require membership, so you may need to join first. 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 in the credit union, 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 Credit Union rates compare?

First Commerce Credit Union's CD rates are 1% higher than the MonitorBankRates national average, and it has an A+ health rating. First Commerce Credit Union's top rates are its 13 Month CD of Deposit at 4.25% APY, its EvenUp Savings at 2.53% APY, its Momentum Money Market at 4.00% APY, its Power Checking at 0.20% APY and its Signature Loan at 11.24% APR, verified by MonitorBankRates on October 30, 2026.

Current First Commerce Credit Union Rates

12-Month CD2.70%
18-Month CD2.75%
24-Month CD2.90%
Savings2.53%
MMA4.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Commerce Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Commerce Credit Union Texas Ratio

First Commerce Credit Union Health Trend

First Commerce Credit Union CD Rates

First Commerce Credit Union Business CD Rates

First Commerce Credit Union Savings Rates

First Commerce Credit Union Business Savings Rates

First Commerce Credit Union Money Market Rates

First Commerce Credit Union Checking Rates

First Commerce Credit Union Business Checking Rates

First Commerce Credit Union Home Equity & HELOC

First Commerce Credit Union Auto Loan Rates

First Commerce Credit Union RV, Boat and Powersport Loan Rates

First Commerce Credit Union Personal Loan Rates

First Commerce Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Commerce Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Commerce Credit Union

Does First Commerce Credit Union offer CDs?

Are CDs from First Commerce Credit Union NCUA insured?

What is the highest CD rate at First Commerce Credit Union?

What CD terms does First Commerce Credit Union offer?

What is the highest savings rate at First Commerce Credit Union?

What is the highest money market rate at First Commerce Credit Union?

What is the highest checking rate at First Commerce Credit Union?

What is the lowest auto loan rate at First Commerce Credit Union?

What is the lowest personal loan rate at First Commerce Credit Union?

How many branches does First Commerce Credit Union operate?

Is a member application needed to join First Commerce Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Commerce Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Commerce Credit Union rates compare?

Current First Commerce Credit Union Rates

Compare to Other Credit Unions