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 August 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: August 28, 2026

First Commerce Credit Union's Business 13 month CD Special rates are at 4.25%, 13 month Kids Club/Junior CD rates are at 4.25%, 13 month Triple Option CD Special rates are at 4.25%, 13 month rates are at 4.00%, Business 13 month CD Special rates are at 4.00%. 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 at 4.99%. 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 4.52%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.52%

Excellent Lower than avg

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
Business 13 month CD Special	4.17%	4.25%	13 months
Details Bay; Dividend Posting: Monthly; Triple Option CD Special Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
13 month Kids Club/Junior CD	4.17%	4.25%	13 months
Min Deposit $250 Details Must be under age 18 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
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. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
13 month	3.93%	4.00%	13 months
Details FL; Triple Option CD Special Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business 13 month CD Special	3.93%	4.00%	13 months
Details GA; Dividend Posting: Monthly; Triple Option CD Special Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
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. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
4 years	3.06%	3.10%	4 years
Details FL Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business 4 years	3.06%	3.10%	4 years
Details FL; Dividend Posting: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
4 years Business CDs	3.06%	3.10%	4 years
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
4 years IRA CD	3.06%	3.10%	4 years
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
4 years Kids Club/Junior CD	3.06%	3.10%	4 years
Min Deposit $250 Details Must be under age 18 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
3 years	2.96%	3.00%	3 years
Details FL Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business 3 years	2.96%	3.00%	3 years
Details FL; Dividend Posting: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
3 years Business CDs	2.96%	3.00%	3 years
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
3 years IRA CD	2.96%	3.00%	3 years
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
3 years Kids Club/Junior CD	2.96%	3.00%	3 years
Min Deposit $250 Details Must be under age 18 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
2 years	2.86%	2.90%	2 years
Details FL Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business 2 years	2.86%	2.90%	2 years
Details FL; Dividend Posting: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
2 years Business CDs	2.86%	2.90%	2 years
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
2 years IRA CD	2.86%	2.90%	2 years
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
2 years Kids Club/Junior CD	2.86%	2.90%	2 years
Min Deposit $250 Details Must be under age 18 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
18 month	2.72%	2.75%	18 months
Details FL Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business 18 month	2.72%	2.75%	18 months
Details FL; Dividend Posting: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
18 month Business CDs	2.72%	2.75%	18 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
18 month IRA CD	2.72%	2.75%	18 months
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
18 month Kids Club/Junior CD	2.72%	2.75%	18 months
Min Deposit $250 Details Must be under age 18 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
12 month	2.67%	2.70%	12 months
Details FL Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business 12 month	2.67%	2.70%	12 months
Details FL; Dividend Posting: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
12 month Business CDs	2.67%	2.70%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
12 month IRA CD	2.67%	2.70%	12 months
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
12 month Kids Club/Junior CD	2.67%	2.70%	12 months
Min Deposit $250 Details Must be under age 18 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
6 month	1.49%	1.50%	6 months
Details FL Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business 6 month	1.49%	1.50%	6 months
Details FL; Dividend Posting: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
6 month Business CDs	1.49%	1.50%	6 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
6 month IRA CD	1.49%	1.50%	6 months
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
6 month Kids Club/Junior CD	1.49%	1.50%	6 months
Min Deposit $250 Details Must be under age 18 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
91 days Business CDs	0.60%	0.60%	91 days
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
91 days IRA CD	0.60%	0.60%	91 days
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
91 days Kids Club/Junior CD	0.60%	0.60%	91 days
Min Deposit $250 Details Must be under age 18 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

First Commerce Credit Union Savings Rates

Product	Rate	APY
EvenUp Savings	2.50%	2.53%
Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
EvenUp Savings Account	2.50%	2.50%
Min Deposit $5 Min Balance $5 Details Qualifications Required: Debit card usage and active Power Checking, Power Checking + CoverMe, or SmartStart Checking account required; Qualifying balance up to $3,000.00 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Roth Savings	1.09%	1.10%
Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings	1.09%	1.10%
Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Savings	1.09%	1.10%
Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Traditional Savings	1.09%	1.10%
Min Balance $500,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Roth Savings	1.05%	1.05%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings	1.05%	1.05%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Savings	1.05%	1.05%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Traditional Savings	1.05%	1.05%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Roth Savings	1.00%	1.00%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings	1.00%	1.00%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Savings	1.00%	1.00%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Traditional Savings	1.00%	1.00%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Roth Savings	0.75%	0.75%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings	0.75%	0.75%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Savings	0.75%	0.75%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Traditional Savings	0.75%	0.75%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business Savings Account	0.60%	0.60%
Min Deposit $5 Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings	-	0.60%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Roth Savings	0.50%	0.50%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings	0.50%	0.50%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Savings	0.50%	0.50%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Traditional Savings	0.50%	0.50%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business Savings Account	0.45%	0.45%
Min Deposit $5 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings	-	0.45%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Roth Savings	0.35%	0.35%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings	0.35%	0.35%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Savings	0.35%	0.35%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Traditional Savings	0.35%	0.35%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business Savings Account	0.30%	0.30%
Min Deposit $5 Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings	-	0.30%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
EvenUp Savings	0.25%	0.25%
Min Balance $3,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business Savings Account	0.18%	0.18%
Min Deposit $5 Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings	-	0.18%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Holiday Club	0.15%	0.15%
Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Rosey's Holiday Club	0.15%	0.15%
Min Deposit $5 Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business Savings Account	0.12%	0.12%
Min Deposit $5 Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings	-	0.12%
Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Roth Savings	0.10%	0.10%
Min Balance $50 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Savings	0.10%	0.10%
Min Balance $50 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Savings	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Traditional Savings	0.10%	0.10%
Min Balance $50 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

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 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Momentum Money Market	2.96%	3.00%
Min Deposit $2,500 Min Balance $10,000 Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Momentum Money Market	1.98%	2.00%
Min Deposit $2,500 Min Balance $25,000 Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Momentum Money Market	1.49%	1.50%
Min Deposit $2,500 Min Balance $50,000 Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Money Market Account	1.14%	1.15%
Min Deposit $2,500 Min Balance $500,000 Details Higher rate with qualifying Power Checking Account Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Money Market Account	1.09%	1.10%
Min Deposit $2,500 Min Balance $250,000 Details Higher rate with qualifying Power Checking Account Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Money Market Account	1.05%	1.05%
Min Deposit $2,500 Min Balance $100,000 Details Higher rate with qualifying Power Checking Account Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Momentum Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Money Market Account	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Qualifications Required: Power Checking Account required for higher rate Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Money Market Account	0.80%	0.80%
Min Deposit $2,500 Min Balance $50,000 Details Higher rate with qualifying Power Checking Account Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Momentum Money Market	0.75%	0.75%
Min Deposit $2,500 Min Balance $250,000 Details 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Money Market Account	0.75%	0.75%
Min Deposit $2,500 Min Balance $50,000 Details Qualifications Required: Power Checking Account required for higher rate Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Money Market Account	0.55%	0.55%
Min Deposit $2,500 Min Balance $25,000 Details Higher rate with qualifying Power Checking Account Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Money Market Account	0.50%	0.50%
Min Deposit $2,500 Min Balance $25,000 Details Qualifications Required: Power Checking Account required for higher rate Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Money Market Account	0.40%	0.40%
Min Deposit $2,500 Min Balance $10,000 Details Higher rate with qualifying Power Checking Account Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Money Market Account	0.35%	0.35%
Min Deposit $2,500 Min Balance $10,000 Details Qualifications Required: Power Checking Account required for higher rate Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Money Market Account	0.15%	0.15%
Min Deposit $2,500 Min Balance $0 Details Higher rate with qualifying Power Checking Account Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Money Market Account	0.10%	0.10%
Min Deposit $2,500 Min Balance $0 Details Qualifications Required: Power Checking Account required for higher rate Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

First Commerce Credit Union Checking Rates

Product	Rate	APY
Power Checking	1.14%	1.15%
Min Balance $500,000 Details 1 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Power Checking	1.09%	1.10%
Min Balance $250,000 Details 1 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Checking	1.09%	1.10%
Min Balance $500,000 Details 1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Power Checking	1.05%	1.05%
Min Balance $100,000 Details 1 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Checking	1.05%	1.05%
Min Balance $250,000 Details 1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Checking	1.00%	1.00%
Min Balance $100,000 Details 1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Power Checking	0.80%	0.80%
Min Balance $50,000 Details 1 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Checking	0.75%	0.75%
Min Balance $50,000 Details 1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Power Checking	0.55%	0.55%
Min Balance $25,000 Details 1 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Checking	0.50%	0.50%
Min Balance $25,000 Details 1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Power Checking	0.40%	0.40%
Min Balance $10,000 Details 1 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Checking	0.35%	0.35%
Min Balance $10,000 Details 1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Power Checking	0.20%	0.20%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business Community Interest Checking	0.15%	0.15%
Min Balance $15,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Power Checking	0.15%	0.15%
Min Balance $0 Details 1 2 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business Community Interest Checking	0.10%	0.10%
Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Power Checking	0.10%	0.10%
Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Standard Checking	0.10%	0.10%
Min Balance $0 Details 1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business Community Interest Checking	0.05%	0.05%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Power Checking	0.05%	0.05%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Business Community Interest Checking	0.00%	0.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Power Checking	0.00%	0.00%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

First Commerce Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	4.99%	Up to 20 years
Details Amount $10,000 - $500,000 (up to 90% of market value). Introductory rate will be in effect for the first six (6) months after account is opened. Upon expiration of introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate (APR), which can range from Prime -0.25% to Prime +1.0% using the Wall Street Journal Prime Rate (currently an APR of 6.75% not to be less than 4.99% or exceed 15.00% at any time. Rates cannot increase more than 2% annually and 6% over the life of the loan, based on the original non discounted rate. Information accurate as of 03/16/2026. After the promotional period, variable standard APR will be based on Loan-to-Value (LTV) and a review of your credit application as disclosed in your loan agreement. All HELOC products, conditions, and rates are subject to our standard underwriting criteria, LTV limitations, lien positions, property use, and location. Up to 90% of the value of your home, less first mortgage balance and any other existing liens can be used to establish the line (based on credit qualifications). This offer is available for new equity line members and subject to change without notice. Offer available to existing HELOC members who borrow an additional 50,000. Hazard insurance required. Flood insurance required where applicable. Loan amounts range from $10,000 to $500,000. Most closing costs paid by First Commerce Credit Union. Minimum initial advance of $30,000 or full loan amount if less than $30,000 borrowed. Exclusions and limitations apply. Refer to HELOC Early Disclosure or ask a Financial Service Officer for details. Please consult your tax advisor regarding interest deductibility. This offer may be withdrawn at any time. Call 850.488.0035 or 1.800.533.5772. This offer may not be combined with any other offers or discounts. NMLS#774895 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Home Equity Loan	-	-	6.24%	5 years or less
Details Up to 90% of market value Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Home Equity Line of Credit	-	-	6.75%	Up to 20 years
Details As low as 4.99%; 2% annual cap; 6% lifetime cap; 5% minimum/18% maximum; after 6-month intro period, as low as 6.75% variable APR Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Home Equity Loan	-	-	7.24%	5-10 years
Details Up to 90% of market value Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Home Equity Loan	-	-	7.74%	10-15 years
Details Up to 90% of market value Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Home Equity Loan	-	-	8.74%	15-20 years
Details Up to 90% of market value Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Home Equity Loan	-	-	9.74%	30 years
Details Up to 80% of market value Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

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 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
New Auto Loan	-	-	4.99%	48 months or less
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Auto Loan	-	-	5.24%	60 months
Details FL; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
New Auto Loan	-	-	5.24%	60 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Auto Loan	-	-	5.49%	66 months
Details FL; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
New Auto Loan	-	-	5.49%	66 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Used Auto Loan	-	-	5.49%	48 months or less
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Auto Loan	-	-	5.74%	72 months
Details FL; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
New Auto Loan	-	-	5.74%	48 months or less
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Used Auto Loan	-	-	5.74%	60 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Auto Loan	-	-	5.99%	66 months
Details GA; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
New Auto Loan	-	-	5.99%	66 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Used Auto Loan	-	-	5.99%	66 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Auto Loan	-	-	6.24%	84 months
Details FL; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
New Auto Loan	-	-	6.24%	84 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Auto Loan	-	-	6.49%	72 months
Details FL; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Used Auto Loan	-	-	6.49%	72 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Auto Loan	-	-	6.74%	84 months
Details GA; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
New Auto Loan	-	-	6.74%	84 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Auto Loan	-	-	6.99%	84 months
Details FL; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Used Auto Loan	-	-	6.99%	84 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Auto Loan	-	-	7.24%	84 months
Details GA; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Auto Loan	-	-	7.49%	84 months
Details Bay; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
New Auto Loan	-	-	7.49%	84 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
New Auto Loan	-	-	7.99%	84 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

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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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 196

Part-Time Employees 10

Branch Locations 14

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

4.52%

Return on Assets (ROA)

0.3912%

Return on Equity (ROE)

3.7629%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

1,149,967,833

Total Amount of Shares and Deposits

986,704,567

Total Shares and Deposits < 1 Year

951,915,605

Total Shares and Deposits 1 3 Years

34,136,983

Total Shares and Deposits > 3 Years

651,977

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

110,688,116

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

110,688,116

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

876,016,451

Total Interest Expense (Sum of items 6 8)

15,499,609

Share Certificates

7,257

Number of Accounts for Share Drafts

41,882

IRA KEOGH Accounts

1,939

Number of Accounts for Regular Shares

93,941

Money Market Shares

1,674

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

4,498,493

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)

53,172,856

Total Liabilities

1,058,181,787

Source: NCUA — Last Updated 09/30/2025

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☆☆☆☆☆

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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.