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: 0.10%, MMA: 0.10%

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First Commerce Credit Union

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First Commerce Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

First Commerce Credit Union's 13 Month Business Triple Option CD Special rates are at 4.25%, 13 Month Triple Option CD Special rates are at 4.25%, 13 Month Business Triple Option CD Special rates are at 4.00%, 13 Month Triple Option CD Special rates are at 4.00%, 4 Year Business CD rates are at 3.10%. First Commerce Credit Union's savings rates are at 0.10%. First Commerce Credit Union's money market rates are at 0.10%. First Commerce Credit Union's Personal Loan Rates are as low as 11.24%. 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 3.72%. Rates last updated and verified on 09/22/2026.

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

3.72%

Excellent Lower than avg

Health Trend

Very strong 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

First Commerce Credit Union CD Rates

Product	Rate	APY	Term
13 Month Business Triple Option CD Special	4.17%	4.25%	13 months
Details Bay Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
13 Month Triple Option CD Special	4.17%	4.25%	13 months
Min Deposit $1,000 Min Balance $1,000 Details Current members (established membership prior to June 1, 2026) may open up to three Triple Option CDs during promotional period with no cap on maximum dollar amount. New members (established membership on or after June 1, 2026) may open one Triple Option CD during promotional period with no cap on maximum dollar amount. After CD is open 90 days, current and new members may take advantage of any or all of these features once each: a higher rate, adding funds, and a penalty-free withdrawal up to 50% of the original principal balance. Early withdrawal penalties apply to any additional withdrawals of principal. Features may be selected at the same or different times. The option for a higher rate will be based on the then-current FCCU 12-month CD rate - visit FirstCommerceCU.org for current rates. Additional funds may not exceed the original opening balance of CD. Fees could reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
13 Month Business Triple Option CD Special	3.93%	4.00%	13 months
Details GA; Dividend Posting: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
13 Month Triple Option CD Special	3.93%	4.00%	13 months
Min Deposit $1,000 Min Balance $1,000 Details Current members (established membership prior to June 1, 2026) may open up to three Triple Option CDs during promotional period with no cap on maximum dollar amount. New members (established membership on or after June 1, 2026) may open one Triple Option CD during promotional period with no cap on maximum dollar amount. After CD is open 90 days, current and new members may take advantage of any or all of these features once each: a higher rate, adding funds, and a penalty-free withdrawal up to 50% of the original principal balance. Early withdrawal penalties apply to any additional withdrawals of principal. Features may be selected at the same or different times. The option for a higher rate will be based on the then-current FCCU 12-month CD rate - visit FirstCommerceCU.org for current rates. Additional funds may not exceed the original opening balance of CD. Fees could reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
4 Year Business CD	3.06%	3.10%	4 years
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
4 Year CD	3.06%	3.10%	4 years
Details GA; Dividend Posting: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
4 Year IRA CDs	3.06%	3.10%	4 years
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
4 Year Kids Club/Junior CDs	3.06%	3.10%	4 years
Min Deposit $250 Details Must be under age 18 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
4 Year Traditional CDs	3.06%	3.10%	4 years
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
3 Year Business CD	2.96%	3.00%	3 years
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
3 Year CD	2.96%	3.00%	3 years
Details GA; Dividend Posting: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
3 Year IRA CDs	2.96%	3.00%	3 years
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
3 Year Kids Club/Junior CDs	2.96%	3.00%	3 years
Min Deposit $250 Details Must be under age 18 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
3 Year Traditional CDs	2.96%	3.00%	3 years
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
2 Year Business CD	2.86%	2.90%	2 years
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
2 Year CD	2.86%	2.90%	2 years
Details GA; Dividend Posting: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
2 Year IRA CDs	2.86%	2.90%	2 years
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
2 Year Kids Club/Junior CDs	2.86%	2.90%	2 years
Min Deposit $250 Details Must be under age 18 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
2 Year Traditional CDs	2.86%	2.90%	2 years
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
18 Month Business CD	2.72%	2.75%	18 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
18 Month CD	2.72%	2.75%	18 months
Details GA; Dividend Posting: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
18 Month IRA CDs	2.72%	2.75%	18 months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
18 Month Kids Club/Junior CDs	2.72%	2.75%	18 months
Min Deposit $250 Details Must be under age 18 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
18 Month Traditional CDs	2.72%	2.75%	18 months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
12 Month Business CD	2.67%	2.70%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
12 Month CD	2.67%	2.70%	12 months
Details GA; Dividend Posting: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
12 Month IRA CDs	2.67%	2.70%	12 months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
12 Month Kids Club/Junior CDs	2.67%	2.70%	12 months
Min Deposit $250 Details Must be under age 18 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
12 Month Traditional CDs	2.67%	2.70%	12 months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
6 Month Business CD	1.49%	1.50%	6 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
6 Month CD	1.49%	1.50%	6 months
Details GA; Dividend Posting: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
6 Month IRA CDs	1.49%	1.50%	6 months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
6 Month Kids Club/Junior CDs	1.49%	1.50%	6 months
Min Deposit $250 Details Must be under age 18 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
6 Month Traditional CDs	1.49%	1.50%	6 months
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
182 Day IRA CDs	0.60%	0.60%	182 days
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
91 Day Business CD	0.60%	0.60%	91 days
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
91 Day CD	0.60%	0.60%	91 days
Details Dividend Posting Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
91 Day Kids Club/Junior CDs	0.60%	0.60%	91 days
Min Deposit $250 Details Must be under age 18 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
91 Day Traditional CDs	0.60%	0.60%	91 days
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

First Commerce Credit Union Savings Rates

Product	Rate	APY
EvenUp Savings	2.50%	2.53%
Min Balance $5 Details *All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Savings	2.50%	2.53%
Min Balance $5 Details Balance: $5.00 - $3,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA Savings	1.09%	1.10%
Min Balance $500,000 Details Balance: $500,000.00 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Roth IRA Savings	1.09%	1.10%
Min Balance $500,000 Details Balance: $500,000.00 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Savings	1.09%	1.10%
Min Balance $500,000 Details Balance: $500,000.00 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA Savings	1.05%	1.05%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Savings	1.05%	1.05%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA Savings	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Savings	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA Savings	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Savings	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Business Savings Account	0.60%	0.60%
Min Balance $50,000 Details All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Savings Account	0.60%	0.60%
Min Balance $50,000 Details *All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA Savings	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Savings	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Business Savings Account	0.45%	0.45%
Min Balance $25,000 Details All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Savings Account	0.45%	0.45%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; *All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA Savings	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Savings	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Business Savings Account	0.30%	0.30%
Min Balance $10,000 Details All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Savings Account	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; *All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
EvenUp Savings	0.25%	0.25%
Min Balance $3,000 Details *All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Savings	0.25%	0.25%
Min Balance $3,000 Details Balance: $3,000.01 or above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Business Savings Account	0.18%	0.18%
Min Balance $2,500 Details All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Savings Account	0.18%	0.18%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; *All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Holiday Club	0.15%	0.15%
Min Balance $5 Details *All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Rosey's Holiday Club	0.15%	0.15%
Min Deposit $5 Min Balance $5 Details All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Business Savings Account	0.12%	0.12%
Min Balance $5 Details All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Savings Account	0.12%	0.12%
Min Balance $5 Details *All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Savings Account	-	0.12%
Min Balance $5 Details Balance: $5.00 - $2,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA Savings	0.10%	0.10%
Min Balance $50 Details Balance: $50.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Savings	0.10%	0.10%
Min Balance $50 Details Balance: $50.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

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 APY = Annual Percentage Yield. Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Momentum Money Market	2.96%	3.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; APY = Annual Percentage Yield. Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Momentum Money Market	1.98%	2.00%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; APY = Annual Percentage Yield. Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Momentum Money Market	1.49%	1.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; APY = Annual Percentage Yield. Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Money Market Account	1.14%	1.14%
Min Deposit $2,500 Min Balance $500,000 Details A $10 monthly fee will be assessed on balances below $2,500. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Money Market Account	1.05%	1.10%
Min Deposit $2,500 Min Balance $250,000 Details A $10 monthly fee will be assessed on balances below $2,500. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Money Market Account	1.05%	1.05%
Min Deposit $2,500 Min Balance $100,000 Details A $10 monthly fee will be assessed on balances below $2,500. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Money Market Account	1.05%	1.05%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; 1A $10 monthly fee will be assessed on balances below $2,500. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Momentum Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; APY = Annual Percentage Yield. Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Money Market Account	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details A $10 monthly fee will be assessed on balances below $2,500. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Momentum Money Market	0.75%	0.75%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; APY = Annual Percentage Yield. Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. No monthly maintenance fee. Dividends are compounded monthly and credited monthly. Dividends are calculated using a blended rate across balance tiers. Fees may reduce earnings. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Money Market Account	0.75%	0.75%
Min Deposit $2,500 Min Balance $50,000 Details A $10 monthly fee will be assessed on balances below $2,500. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Money Market Account	0.50%	0.50%
Min Deposit $2,500 Min Balance $25,000 Details A $10 monthly fee will be assessed on balances below $2,500. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Money Market Account	0.40%	0.40%
Min Deposit $2,500 Min Balance $10,000 Details A $10 monthly fee will be assessed on balances below $2,500. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Money Market Account	0.35%	0.35%
Min Deposit $2,500 Min Balance $10,000 Details A $10 monthly fee will be assessed on balances below $2,500. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Money Market Account	0.15%	0.15%
Min Deposit $2,500 Min Balance $0 Details A $10 monthly fee will be assessed on balances below $2,500. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Money Market Account	0.10%	0.10%
Min Deposit $2,500 Min Balance $0 Details A $10 monthly fee will be assessed on balances below $2,500. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

First Commerce Credit Union Checking Rates

Product	Rate	APY
Power Checking	1.14%	1.15%
Min Balance $500,000 Details Balance: $500,000.00 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Power Checking	1.09%	1.10%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Checking	1.09%	1.10%
Min Balance $500,000 Details Balance: $500,000.00 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Power Checking	1.05%	1.05%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Checking	1.05%	1.05%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Checking	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Power Checking	0.80%	0.80%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Checking	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Power Checking	0.55%	0.55%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Checking	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Power Checking	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Checking	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Power Checking	0.20%	0.20%
Min Balance $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Business Community Interest Checking	0.15%	0.15%
Min Balance $15,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Power Checking	0.15%	0.15%
Min Balance $0 Details Balance: Up to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Business Community Interest Checking	0.10%	0.10%
Min Balance $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Power Checking	0.10%	0.10%
Min Balance $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Standard Checking	0.10%	0.10%
Min Balance $0 Details Balance: Up to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Business Community Interest Checking	0.05%	0.05%
Min Balance $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Power Checking	0.05%	0.05%
Min Balance $2,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

First Commerce Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.24%	5 years or less
Details Amount Borrowed: Up to 90% of market value Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Home Equity Line of Credit	4.99%	-	6.75%	Up to 20 years
Details As low as; 2% annual cap; 6% lifetime cap; 5% minimum/18% maximum; after 6-month intro period, as low as 6.75% variable APR* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Home Equity Loan	-	-	7.24%	5-10 years
Details Amount Borrowed: Up to 90% of market value Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Home Equity Loan	-	-	7.74%	10-15 years
Details Amount Borrowed: Up to 90% of market value Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Home Equity Loan	-	-	8.74%	15-20 years*
Details Amount Borrowed: Up to 90% of market value Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Home Equity Loan	-	-	9.74%	30 years*
Details Amount Borrowed: Up to 80% of market value Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

First Commerce Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.99%	48 months or less
Details FL; As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
New Auto Loan	4.99%	-	4.99%	48 months or less
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Auto Loan	-	-	5.24%	60 months
Details FL; As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
New Auto Loan	5.24%	-	5.24%	60 months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Auto Loan	-	-	5.49%	66 months
Details FL; As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Auto Loan	-	-	5.49%	48 months or less
Details Additional APR listed for this product: 5.74%. GA; As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
New Auto Loan	5.49%	-	5.49%	66 months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Used Auto Loan	5.49%	-	5.49%	48 months or less
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Auto Loan	-	-	5.74%	72 months
Details Additional APR listed for this product: 6.49%. FL; As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Auto Loan	-	-	5.74%	60 months
Details Additional APR listed for this product: 5.99%. GA; As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
New Auto Loan	5.74%	-	5.74%	72 months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Used Auto Loan	5.74%	-	5.74%	60 months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Auto Loan	-	-	5.99%	66 months
Details Additional APR listed for this product: 6.24%. GA; As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
New Auto Loan	5.99%	-	5.99%	66 months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Used Auto Loan	5.99%	-	5.99%	66 months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Auto Loan	-	-	6.24%	84 months
Details Additional APR listed for this product: 6.99%. FL; As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Auto Loan	-	-	6.24%	72 months
Details Additional APR listed for this product: 6.74%. GA; As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
New Auto Loan	6.24%	-	6.24%	84 months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Used Auto Loan	6.49%	-	6.49%	72 months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Auto Loan	-	-	6.74%	84 months
Details Additional APR listed for this product: 7.24%. GA; As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
New Auto Loan	6.74%	-	6.74%	84 months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Used Auto Loan	6.99%	-	6.99%	84 months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
New Auto Loan	7.49%	-	7.49%	84 months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Used Auto Loan	7.99%	-	7.99%	84 months
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

First Commerce Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV, Boat, and Motorcycle Loan	5.79%	5.79%	Up to 4 years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
RV, Boat, and Motorcycle Loan	6.04%	6.04%	6 years
Details ($15,000+) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
RV, Boat, and Motorcycle Loan	6.29%	6.29%	Up to 4 years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
RV, Boat, and Motorcycle Loan	6.54%	6.54%	6 years
Details ($15,000+) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
RV, Boat, and Motorcycle Loan	6.99%	6.99%	Up to 4 years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
RV, Boat, and Motorcycle Loan	7.74%	7.74%	10 years
Details ($50,000+) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
RV, Boat, and Motorcycle Loan	7.99%	7.99%	15 years
Details ($75,000+) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
RV, Boat, and Motorcycle Loan	8.24%	8.24%	10 years
Details ($50,000+) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
RV, Boat, and Motorcycle Loan	8.49%	8.49%	15 years
Details ($75,000+) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

First Commerce Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	11.24%	Up to 3 years
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

First Commerce Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15 to 20 years minimum) Loan	-	-	10.49%	15 to 20 years
Details $40,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Fixed Land Loan	8.99%	-	8.99%	5 years or less
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Fixed Land Loan	9.99%	-	9.99%	5 to 10 years
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Fixed Land Loan	10.49%	-	10.49%	15 to 20 years
Details ($40,000 minimum) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
12 Month Certificate	2.67%	-	2.70%	12 months
Details FL Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
18 Month Certificate	2.72%	-	2.75%	18 months
Details FL Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
2 Year Certificate	2.86%	-	2.90%	2 years
Details FL Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
3 Year Certificate	2.96%	-	3.00%	3 years
Details FL Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
4 Year Certificate	3.06%	-	3.10%	4 years
Details FL Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
6 Month Certificate	1.49%	-	1.50%	6 months
Details FL Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Average Daily Balance	2.50%	-	2.53%
Min Balance $5 Details Balance: $5.00 - $3,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Average Daily Balance	0.25%	-	0.25%
Min Balance $3,000 Details Balance: $3,000.01 or above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Average Daily Balance	-	-	0.12%
Min Balance $5 Details Balance: $5.00 - $2,499.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Average Daily Balance	-	-	0.18%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Average Daily Balance	-	-	0.30%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Average Daily Balance	-	-	0.45%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Average Daily Balance	-	-	0.60%
Min Balance $50,000 Details Balance: $50,000.00 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Average Daily Balance	-	-	0.15%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Business 13 months (Triple Option CD Special)	3.93%	-	4.00%	13 months
Details FL; Triple Option CD Special Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Coverdell Education Savings Accounts (ESA)	0.10%	-	0.10%
Min Balance $50 Details Account must be liquidated by age 30. Funds must be used for education. $2,000 maximum annual contribution per child under 18. Rates are accurate as of September 22, 2026 and are subject to change without notice. Insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Coverdell Education Savings Accounts (ESA)	0.35%	-	0.35%
Min Balance $10,000 Details Account must be liquidated by age 30. Funds must be used for education. $2,000 maximum annual contribution per child under 18. Rates are accurate as of September 22, 2026 and are subject to change without notice. Insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Coverdell Education Savings Accounts (ESA)	0.50%	-	0.50%
Min Balance $25,000 Details Account must be liquidated by age 30. Funds must be used for education. $2,000 maximum annual contribution per child under 18. Rates are accurate as of September 22, 2026 and are subject to change without notice. Insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Coverdell Education Savings Accounts (ESA)	0.75%	-	0.75%
Min Balance $50,000 Details Account must be liquidated by age 30. Funds must be used for education. $2,000 maximum annual contribution per child under 18. Rates are accurate as of September 22, 2026 and are subject to change without notice. Insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Coverdell Education Savings Accounts (ESA)	1.00%	-	1.00%
Min Balance $100,000 Details Account must be liquidated by age 30. Funds must be used for education. $2,000 maximum annual contribution per child under 18. Rates are accurate as of September 22, 2026 and are subject to change without notice. Insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Coverdell Education Savings Accounts (ESA)	1.05%	-	1.05%
Min Balance $250,000 Details Account must be liquidated by age 30. Funds must be used for education. $2,000 maximum annual contribution per child under 18. Rates are accurate as of September 22, 2026 and are subject to change without notice. Insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Coverdell Education Savings Accounts (ESA)	1.09%	-	1.10%
Min Balance $500,000 Details Account must be liquidated by age 30. Funds must be used for education. $2,000 maximum annual contribution per child under 18. Rates are accurate as of September 22, 2026 and are subject to change without notice. Insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Education IRA	0.10%	-	0.10%
Min Balance $50 Details Balance: $50.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Education IRA	0.35%	-	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Education IRA	0.50%	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Education IRA	0.75%	-	0.75%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Education IRA	1.00%	-	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Education IRA	1.05%	-	1.05%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Education IRA	1.09%	-	1.09%
Min Balance $500,000 Details Balance: $500,000.00 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA	0.10%	-	0.10%
Min Balance $50 Details Traditional IRA, Roth IRA, Education IRA. Dividends are posted monthly for all IRA accounts. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA	0.35%	-	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Traditional IRA, Roth IRA, Education IRA. Dividends are posted monthly for all IRA accounts. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA	0.50%	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Traditional IRA, Roth IRA, Education IRA. Dividends are posted monthly for all IRA accounts. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA	0.75%	-	0.75%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Traditional IRA, Roth IRA, Education IRA. Dividends are posted monthly for all IRA accounts. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA	1.00%	-	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Traditional IRA, Roth IRA, Education IRA. Dividends are posted monthly for all IRA accounts. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA	1.05%	-	1.05%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Traditional IRA, Roth IRA, Education IRA. Dividends are posted monthly for all IRA accounts. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
IRA	1.09%	-	1.09%
Min Balance $500,000 Details Balance: $500,000.00 and above; Traditional IRA, Roth IRA, Education IRA. Dividends are posted monthly for all IRA accounts. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Savings Account	-	-	0.60%
Min Balance $50,000 Details Balance: $50,000.00 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Summer Camp Savings Club	-	-	2.50%	March 1, 2027
Min Deposit $5 Min Balance $3,000 Details 0.25% on amounts above $3,000. Upon maturity date, entire balance will be transferred to your checking account, or main share account if you do not have a checking account. Withdrawals from account cannot be made at any other time. Dividends will accrue on noncash deposits (e.g., checks) on the business day the deposit is made. Rates are subject to change quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Summer Camp Savings Club	-	-	2.50%	June 1, 2027
Min Deposit $5 Min Balance $3,000 Details 0.25% on amounts above $3,000. If you opened a Summer Camp Savings account with a maturation date of June 1 on or after April 1, 2026, your maturation date will be updated to June 1, 2027. Upon maturity date, entire balance will be transferred to your checking account, or main share account if you do not have a checking account. Withdrawals from account cannot be made at any other time. Dividends will accrue on noncash deposits (e.g., checks) on the business day the deposit is made. Rates are subject to change quarterly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%
Traditional IRA	1.09%	-	1.10%
Min Balance $500,000 Details Dividends are posted monthly for all IRA accounts. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

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 stayed near 4.09% in Q2 2023 to 3.72% in Q1 2026, so its financial health has stayed very strong 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 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
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
June 30, 2023	$1.0B	4.09%	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 195

Part-Time Employees 8

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

3.72%

Return on Assets (ROA)

0.1343%

Return on Equity (ROE)

1.3351%

Non-Performing Loans Ratio (NPL)

0.52%

Total Assets

1,221,644,598

Total Amount of Shares and Deposits

1,041,836,991

Total Shares and Deposits < 1 Year

1,015,593,235

Total Shares and Deposits 1 3 Years

25,541,205

Total Shares and Deposits > 3 Years

702,552

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

93,831,225

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

93,831,225

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

948,005,766

Total Interest Expense (Sum of items 6 8)

5,414,820

Share Certificates

7,684

Number of Accounts for Share Drafts

42,858

IRA KEOGH Accounts

1,917

Number of Accounts for Regular Shares

97,493

Non Member Deposits

Money Market Shares

1,720

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

1,640,160

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)

43,800,711

Total Liabilities

1,126,352,869

Source: NCUA — Last Updated 03/31/2026

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Frequently Asked Questions About First Commerce Credit Union

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.

Current First Commerce Credit Union Rates

12-Month CD2.70%
18-Month CD2.75%
24-Month CD2.90%
Savings0.10%
MMA0.10%

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

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First Commerce Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

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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

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?

Current First Commerce Credit Union Rates

Compare to Other Credit Unions