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First Commerce Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 10, 2026
First Commerce Credit Union's top rates as of October 10, 2026 are 4.25% APY on its 13 Month CD (Triple Option CD Special), 2.53% APY on savings, 4.00% APY on money market accounts, 1.15% APY on checking, and personal loans from 11.24% APR, according to rates verified by MonitorBankRates. Other First Commerce Credit Union CD rates include 13 Month Triple Option CD Special at 4.25%, Business Triple Option CD Special - 13 month at 4.25%, and 13 Month Business Triple Option CD Special at 4.00%. 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 10/10/2026.
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.
First Commerce Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
First Commerce Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
3.60%
ExcellentLower than avg
First Commerce Credit Union Texas Ratio
First Commerce Credit Union's Texas Ratio is 3.60%, which is considered excellent and is lower than the national average of 6.13%.
First Commerce Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
7.88% to 3.60% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A+
The Texas Ratio for this credit union has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (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
View More
13 Month Certificate (Triple Option CD Special)
4.17%
4.25%
13 months
DetailsBay; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
13 Month Triple Option CD Special
4.17%
4.25%
13 months
Min Deposit$1,000
Min Balance$1,000
DetailsCurrent 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
13 Month Certificate (Triple Option CD Special)
3.93%
4.00%
13 months
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
13 Month Triple Option CD Special
3.93%
4.00%
13 months
Min Deposit$1,000
Min Balance$1,000
DetailsCurrent 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
13 month CD Special
3.93%
4.00%
13 months
DetailsGA; Dividend Posting: Monthly; Triple Option CD Special
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
4 Year Certificate
3.06%
3.10%
4 years
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 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
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
4 years CD
3.06%
3.10%
4 years
DetailsGA; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
3 Year Certificate
2.96%
3.00%
3 years
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 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
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
3 years CD
2.96%
3.00%
3 years
DetailsGA; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
2 Year Certificate
2.86%
2.90%
2 years
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 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
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
2 years CD
2.86%
2.90%
2 years
DetailsGA; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
18 Month Certificate
2.72%
2.75%
18 months
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 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
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
12 Month Certificate
2.67%
2.70%
12 months
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 6 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
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
6 Month Certificate
1.49%
1.50%
6 months
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 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
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
91 Day Certificate
0.60%
0.60%
91 days
DetailsFL; Dividend Posting: Monthly; Not offered on IRAs
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 0.60% APY · checked 3 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
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
91 days CD
0.60%
0.60%
91 days
DetailsGA; Dividend Posting: Monthly; Not offered on IRAs
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 0.60% APY · checked 2 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
View More
Business Triple Option CD Special - 13 month
4.17%
4.25%
13 months
DetailsBay; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Sep 22, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
13 Month Business Triple Option CD Special
3.93%
4.00%
13 months
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
4 Year Business CD
3.06%
3.10%
4 years
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
3 Year Business CD
2.96%
3.00%
3 years
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
2 Year Business CD
2.86%
2.90%
2 years
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
18 Month Business CD
2.72%
2.75%
18 months
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
12 Month Business CD
2.67%
2.70%
12 months
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
6 Month Business CD
1.49%
1.50%
6 months
DetailsFL; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
91 Day Business CD
0.60%
0.60%
91 days
DetailsFL; Dividend Posting: Monthly; not offered on IRAs
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
First Commerce Credit Union Savings Rates
Product
Rate
APY
View More
EvenUp Savings
2.50%
2.53%
Min Balance$5
DetailsBalance: $5.00 - $3,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Summer Camp Savings Club
-
2.50%
Min Deposit$5
Min Balance$3,000
DetailsRate as of June 1, 2027; 0.25% on amounts above $3,000. Please note: 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 Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 2.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Choose Your Savings Account
0.60%
0.60%
Min Balance$50,000
DetailsBalance: $50,000.00 and above
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Savings Account
0.60%
0.60%
Min Balance$50,000
DetailsBalance: $50,000.00 and above
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Share Savings Account
0.60%
0.60%
Min Deposit$5
Min Balance$50,000
DetailsBalance: $50,000.00 and above
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Choose Your Savings Account
0.45%
0.45%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Savings Account
0.45%
0.45%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Share Savings Account
0.45%
0.45%
Min Deposit$5
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.45% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Choose Your Savings Account
0.30%
0.30%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Savings Account
0.30%
0.30%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Share Savings Account
0.30%
0.30%
Min Deposit$5
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
EvenUp Savings
0.25%
0.25%
Min Balance$3,000
DetailsBalance: $3,000.01 or above
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Choose Your Savings Account
0.18%
0.18%
Min Balance$2,500
DetailsBalance: $2,500.00 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.18% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Savings Account
0.18%
0.18%
Min Balance$2,500
DetailsBalance: $2,500.00 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.18% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Share Savings Account
0.18%
0.18%
Min Deposit$5
Min Balance$2,500
DetailsBalance: $2,500.00 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.18% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Holiday Club
-
0.15%
Min Balance$5
DetailsBalance: $5.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Choose Your Savings Account
0.12%
0.12%
Min Balance$5
DetailsBalance: $5.00 - $2,499.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.12% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Sammy Squirrel Kids' Savings Account
0.12%
0.12%
Min Deposit$5
DetailsEarns interest? - Same as regular savings account
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 0.12% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Savings Account
0.12%
0.12%
Min Balance$5
DetailsBalance: $5.00 - $2,499.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.12% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Share Savings Account
0.12%
0.12%
Min Deposit$5
Min Balance$5
DetailsBalance: $5.00 - $2,499.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.12% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
First Commerce Credit Union Money Market Rates
Product
Rate
APY
View More
Momentum Money Market
3.93%
4.00%
Min Deposit$2,500
Min Balance$0
DetailsBalance: Up to $9,999.99; Earn up to 4.00% APY on balances under $10,000. APY is variable and may change at any time. Minimum opening deposit $2,500. 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 3 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
DetailsBalance: $10,000.00 - $24,999.99; APY is variable and may change at any time. Minimum opening deposit $2,500. 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 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
DetailsBalance: $25,000.00 - $49,999.99; APY is variable and may change at any time. Minimum opening deposit $2,500. 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 4 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
DetailsBalance: $50,000.00 - $99,999.99; APY is variable and may change at any time. Minimum opening deposit $2,500. 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Money Market Account
1.14%
1.14%
Min Deposit$2,500
Min Balance$500,000
DetailsBalance: $500,000.00 and above; Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. A $10 monthly fee will be assessed on balances below $2,500.
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 1.14% → 1.14% ▼ 0.00 pts · high 1.14% / low 1.09%
Sep 22, 20261.14%▲ from 1.09%
Sep 18, 20261.09%▼ from 1.14%
Sep 14, 20261.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Money Market Account
1.09%
1.10%
Min Deposit$2,500
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99; Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. A $10 monthly fee will be assessed on balances below $2,500.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Money Market Account
1.05%
1.05%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99; Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. A $10 monthly fee will be assessed on balances below $2,500.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Money Market Account
1.05%
1.05%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99; 1A $10 monthly fee will be assessed on balances below $2,500.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 1.10% → 1.05% ▼ 0.05 pts · high 1.10% / low 1.05%
Sep 18, 20261.05%▼ from 1.10%
Sep 14, 20261.10%first recorded
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
DetailsBalance: $100,000.00 - $249,999.99; APY is variable and may change at any time. Minimum opening deposit $2,500. 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 4 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
DetailsBalance: $100,000.00 - $249,999.99; A $10 monthly fee will be assessed on balances below $2,500.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 4 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
DetailsBalance: $250,000.00 - $499,999.99; APY is variable and may change at any time. Minimum opening deposit $2,500. 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 Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Momentum Money Market
0.75%
0.75%
Min Balance$500,000
DetailsBalance: $500,000.00 and above
Last Updated10/10/2026
Rate History
No change since Sep 18, 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
DetailsBalance: $50,000.00 - $99,999.99; A $10 monthly fee will be assessed on balances below $2,500.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 4 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
DetailsBalance: $25,000.00 - $49,999.99; A $10 monthly fee will be assessed on balances below $2,500.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Money Market Account
0.40%
0.40%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99; Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. A $10 monthly fee will be assessed on balances below $2,500.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 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
DetailsBalance: $10,000.00 - $24,999.99; A $10 monthly fee will be assessed on balances below $2,500.
Last Updated10/10/2026
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
0.15%
0.15%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99; Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. A $10 monthly fee will be assessed on balances below $2,500.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 0.40% → 0.15% ▼ 0.25 pts · high 0.40% / low 0.15%
Oct 10, 20260.15%▼ 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$5
DetailsBalance: Up to $9,999.99; A $10 monthly fee will be assessed on balances below $2,500.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 0.15% → 0.10% ▼ 0.05 pts · high 0.15% / low 0.10%
Sep 18, 20260.10%▼ from 0.15%
Sep 14, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Money Market Account
0.10%
0.10%
Min Balance$0
DetailsBalance: Up to $9,999.99; 1A $10 monthly fee will be assessed on balances below $2,500.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
First Commerce Credit Union Checking Rates
Product
Rate
APY
View More
Power Checking
1.14%
1.15%
Min Balance$500,000
DetailsBalance: $500,000.00 and above
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
1.14%
1.14%
Min Balance$500,000
DetailsBalance: $500,000.00 and above; 2Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 1.15% → 1.14% ▼ 0.01 pts · high 1.15% / low 1.14%
Oct 10, 20261.14%▼ from 1.15%
Sep 14, 20261.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
1.09%
1.10%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
1.05%
1.05%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
0.80%
0.80%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
0.55%
0.55%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
0.40%
0.40%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
0.20%
0.20%
Min Balance$25,000
DetailsBalance: $25,000.01 and above
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
0.15%
0.15%
Min Balance$10,000
DetailsBalance: $10,000.01 - $25,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10%
Sep 18, 20260.15%▲ from 0.10%
Sep 14, 20260.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
0.15%
0.15%
Min Balance$0
DetailsBalance: Up to $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 18, 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
DetailsBalance: $5,000.01 - $10,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
0.05%
0.05%
Min Balance$2,500
DetailsBalance: $2,500.01 - $5,000
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
First Commerce Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Community Interest Checking
-
0.15%
Min Balance$15,000
DetailsBalance: $15,000 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 0.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Business Community Interest Checking
-
0.10%
Min Balance$5,000
DetailsBalance: $5,000 - $14,999.99
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Business Community Interest Checking
-
0.05%
Min Balance$2,500
DetailsBalance: $2,500 - $4,999.99
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Business Community Interest Checking
-
0.05%
Min Balance$25,000
DetailsBalance: $25,000 and above
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 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
View More
Home Equity Loan
-
-
6.24%
5 years or less
DetailsAmount Borrowed: Up to 90% of market value
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Home Equity Line of Credit
4.99%
-
6.75%
Up to 20 years
DetailsIntro/promo APR: 4.99%; As Low As; Amount: $10,000 - $500,000 (up to 90% of market value); Intro rate expires: 6 months; Regular APR: 6.75% variable APR*
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.99% → 6.75% ▲ 1.76 pts · high 6.75% / low 4.99%
Sep 22, 20266.75%▲ from 4.99%
Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Home Equity Loan
-
-
7.24%
5-10 years
DetailsAmount Borrowed: Up to 90% of market value
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Home Equity Loan
-
-
7.74%
10-15 years
DetailsAmount Borrowed: Up to 90% of market value
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Home Equity Loan
-
-
8.74%
15-20 years
DetailsAmount Borrowed: Up to 90% of market value
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 8.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Home Equity Loan
-
-
9.74%
30 years
DetailsAmount Borrowed: Up to 80% of market value
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.74% APR · checked 7 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
View More
New Auto Loan
-
-
4.99%
48 months or less
DetailsFL; As Low As; Payment Per $1,000 Borrowed: $23.07
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
New Auto Loan
-
-
5.24%
48 months or less
DetailsBay; As Low As
Last Updated10/10/2026
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%
New Auto Loan
-
-
5.24%
66 months
DetailsBay; As Low As
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24%
Oct 10, 20265.24%▼ from 5.49%
Sep 18, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
New Auto Loan
-
-
5.24%
72 months
DetailsBay; As Low As
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 5.74% → 5.24% ▼ 0.50 pts · high 5.74% / low 5.24%
Oct 10, 20265.24%▼ from 5.74%
Sep 18, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
New Auto Loan
-
-
5.24%
60 months
DetailsFL; As Low As; Payment Per $1,000 Borrowed: $19.02
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
New Auto Loan
-
-
5.49%
48 months or less
DetailsGA; As Low As
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
Oct 10, 20265.49%▲ from 4.99%
Sep 18, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
New Auto Loan
-
-
5.49%
66 months
DetailsFL; As Low As; Payment Per $1,000 Borrowed: $17.63
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Used Auto Loan
-
-
5.49%
48 months or less
DetailsFL; As Low As
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
New Auto Loan
-
-
5.74%
60 months
DetailsGA; As Low As
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
Oct 10, 20265.74%▲ from 5.24%
Sep 18, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
New Auto Loan
-
-
5.74%
72 months
DetailsFL; As Low As; Payment Per $1,000 Borrowed: $16.49
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Used Auto Loan
-
-
5.74%
60 months
DetailsFL; As Low As
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Used Auto Loan
-
-
5.74%
48 months or less
DetailsGA; As low as; Payment Per $1,000 Borrowed: $23.41
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
Oct 10, 20265.74%▲ from 5.49%
Sep 18, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Used Auto Loan
-
-
5.74%
66 months
DetailsBay; As low as
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 5.99% → 5.74% ▼ 0.25 pts · high 5.99% / low 5.74%
Oct 10, 20265.74%▼ from 5.99%
Sep 18, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Used Auto Loan
-
-
5.74%
72 months
DetailsBay; As low as
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 6.49% → 5.74% ▼ 0.75 pts · high 6.49% / low 5.74%
Oct 10, 20265.74%▼ from 6.49%
Sep 18, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
New Auto Loan
-
-
5.99%
66 months
DetailsGA; As Low As
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Used Auto Loan
-
-
5.99%
66 months
DetailsFL; As Low As
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Used Auto Loan
-
-
5.99%
60 months
DetailsGA; As low as; Payment Per $1,000 Borrowed: $19.37
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74%
Oct 10, 20265.99%▲ from 5.74%
Sep 18, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
New Auto Loan
-
-
6.24%
72 months
DetailsGA; As Low As
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74%
Oct 10, 20266.24%▲ from 5.74%
Sep 18, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
New Auto Loan
-
-
6.24%
84 months
DetailsFL; As Low As; Payment Per $1,000 Borrowed: $14.76
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Used Auto Loan
-
-
6.24%
66 months
DetailsGA; As low as; Payment Per $1,000 Borrowed: $17.98
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
Sep 27, 20266.24%▲ from 5.99%
Sep 18, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Used Auto Loan
-
-
6.49%
72 months
DetailsFL; As Low As
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
New Auto Loan
-
-
6.74%
84 months
DetailsGA; As Low As
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Used Auto Loan
-
-
6.74%
72 months
DetailsGA; As low as; Payment Per $1,000 Borrowed: $16.97
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49%
Sep 27, 20266.74%▲ 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
-
-
6.99%
84 months
DetailsFL; As Low As
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Used Auto Loan
-
-
7.24%
84 months
DetailsGA; As low as; Payment Per $1,000 Borrowed: $15.25
Last Updated10/10/2026
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
DetailsBay; As Low As
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 7.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Used Auto Loan
-
-
7.99%
84 months
DetailsBay; As low as
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 5 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
View More
RV, Boat, and Motorcycle Loan
-
5.79%
Up to 4 years
DetailsFL; As low as; Payment Per $1,000 Borrowed: $23.44
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.79% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan
-
6.04%
6 years
DetailsFL; As low as; Payment Per $1,000 Borrowed: $16.63
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.04% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan
-
6.29%
Up to 4 years
DetailsGA; As Low As; Payment Per $1,000 Borrowed: $23.67
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.29% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan
-
6.54%
6 years
DetailsGA; Payment Per $1,000 Borrowed: $16.87
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.54% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan
-
6.99%
6 years
DetailsBay
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 6.54% → 6.99% ▲ 0.45 pts · high 6.99% / low 6.54%
Oct 10, 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
DetailsBay
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 7.74% → 6.99% ▼ 0.75 pts · high 7.74% / low 6.99%
Oct 10, 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
DetailsBay
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 7.99% → 6.99% ▼ 1.00 pts · high 7.99% / low 6.99%
Oct 10, 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
-
6.99%
Up to 4 years
DetailsBay
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan
-
7.74%
10 years
DetailsFL; As low as; Payment Per $1,000 Borrowed: $12.03
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 7.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan
-
7.99%
15 years
DetailsFL; As low as; Payment Per $1,000 Borrowed: $9.58
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan
-
8.24%
10 years
DetailsGA; Payment Per $1,000 Borrowed: $12.30
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 8.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan
-
8.49%
15 years
DetailsGA; Payment Per $1,000 Borrowed: $9.88
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 8.49% APR · checked 5 times
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
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 11.24% APR · checked 5 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
View More
Fixed Land Loan
-
-
10.49%
15 to 20 years
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 10.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Fixed Land Loan
-
-
8.99%
5 years or less
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 8.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Fixed Land Loan
-
-
9.99%
5 to 10 years
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 9.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Revolving Line of Credit
-
-
12.24%
DetailsPublished APR range: 12.24% - 17.99%.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 12.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Summer Camp Loan
-
-
4.99%
9 months
DetailsLoan Amount may not exceed $2,500 plus documentary stamps and will be an unsecured loan. Subject to credit qualifications. There are no prepayment penalties, however normal late fees will apply. Minimum loan amount of $500. This offer may be withdrawn at any time. Loan amount of $2,500 at 5.24% APR with a 9-month term will have a monthly payment amount of $283.87.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Summer Camp Loan
-
-
5.24%
9 months
DetailsLoan Amount may not exceed $2,500 plus documentary stamps and will be an unsecured loan. Max Term of 9 months with a rate of 4.99% with auto payment/transfer or 5.24% without auto payment/transfer. Subject to credit qualifications. There are no prepayment penalties, however normal late fees will apply. Minimum loan amount of $500. This offer may be withdrawn at any time. Loan amount of $2,500 at 5.24% APR with a 9-month term will have a monthly payment amount of $283.87.
Last Updated10/10/2026
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%
12 months CD
2.67%
-
2.70%
12 months
DetailsGA; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
18 months CD
2.72%
-
2.75%
18 months
DetailsGA; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
6 months CD
1.49%
-
1.50%
6 months
DetailsGA; Dividend Posting: Monthly
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Coverdell Education Savings Accounts (ESA)
0.10%
-
0.10%
Min Balance$50
DetailsBalance: $50.00 - $9,999.99 (ADB); Account must be liquidated by age 30; Funds must be used for education; $2,000 maximum annual contribution per child under 18
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Coverdell Education Savings Accounts (ESA)
0.35%
-
0.35%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99 (ADB); Account must be liquidated by age 30; Funds must be used for education; $2,000 maximum annual contribution per child under 18
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Coverdell Education Savings Accounts (ESA)
0.50%
-
0.50%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99 (ADB); Account must be liquidated by age 30; Funds must be used for education; $2,000 maximum annual contribution per child under 18
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Coverdell Education Savings Accounts (ESA)
0.75%
-
0.75%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99 (ADB); Account must be liquidated by age 30; Funds must be used for education; $2,000 maximum annual contribution per child under 18
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Coverdell Education Savings Accounts (ESA)
1.00%
-
1.00%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99 (ADB); Account must be liquidated by age 30; Funds must be used for education; $2,000 maximum annual contribution per child under 18
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Coverdell Education Savings Accounts (ESA)
1.05%
-
1.05%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99 (ADB); Account must be liquidated by age 30; Funds must be used for education; $2,000 maximum annual contribution per child under 18
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Coverdell Education Savings Accounts (ESA)
1.09%
-
1.10%
Min Balance$500,000
DetailsBalance: $500,000.00 and above (ADB); Account must be liquidated by age 30; Funds must be used for education; $2,000 maximum annual contribution per child under 18
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Education IRA
0.10%
-
0.10%
Min Balance$50
DetailsBalance: $50.00 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Education IRA
0.35%
-
0.35%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Education IRA
0.50%
-
0.50%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Education IRA
0.75%
-
0.75%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Education IRA
1.00%
-
1.00%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Education IRA
1.05%
-
1.05%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Education IRA
1.09%
-
1.09%
Min Balance$500,000
DetailsBalance: $500,000.00 and above
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.09% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
IRA
0.10%
-
0.10%
Min Balance$50
DetailsBalance: $50.00 - $9,999.99; Dividends are posted monthly for all IRA accounts.
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
IRA
0.35%
-
0.35%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99; Dividends are posted monthly for all IRA accounts.
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 0.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
IRA
0.50%
-
0.50%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99; Dividends are posted monthly for all IRA accounts.
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 0.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
IRA
0.75%
-
0.75%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99; Dividends are posted monthly for all IRA accounts.
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 0.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
IRA
1.00%
-
1.00%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99; Dividends are posted monthly for all IRA accounts.
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 1.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
IRA
1.05%
-
1.05%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99; Dividends are posted monthly for all IRA accounts.
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 1.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
IRA
1.09%
-
1.10%
Min Balance$500,000
DetailsBalance: $500,000.00 and above; Dividends are posted monthly for all IRA accounts.
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 1.09% → 1.10% ▲ 0.01 pts · high 1.10% / low 1.09%
Oct 1, 20261.10%▲ from 1.09%
Sep 18, 20261.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
0.10%
-
0.15%
Min Balance$0
DetailsBalance: Up to $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
0.35%
-
0.40%
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
0.50%
-
0.55%
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
0.75%
-
0.80%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
1.00%
-
1.05%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
Power Checking
1.05%
-
1.10%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.60%
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.
Address
2073 Summit Lake Dr Ste 100,
Tallahassee, FL 32317
Phone850-488-0035
Fax850-921-2061
PresidentAlan Neubauer
CEOCecilia Homison
Full-Time Employees188
Part-Time Employees10
Branch Locations15
ATM Locations14
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
4
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
Q2 2026 MBR Health & Safety Badge
First Commerce Credit Union earned the Verified Healthy badge
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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%
Savings2.53%
MMA4.00%
Retrieved from our database of financial products. Rates subject to change.