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

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

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First Commerce Credit Union

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First Commerce Credit Union Rates & Review October 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: October 14, 2026

First Commerce Credit Union's top rates as of October 14, 2026 are 4.25% APY on its 13 Month CD of Deposit, 2.53% APY on savings, 4.00% APY on money market accounts, 0.20% 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 at 4.25%, Business CD - 13 month (Triple Option CD Special) at 4.25%, and 13 Month Business CD 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 10/14/2026.

First Commerce Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Commerce Credit Union? Share your experience about First Commerce Credit Union by leaving a review below, or read customer reviews before you decide to use First Commerce Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.60%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First Commerce Credit Union
Ronald W. Fye Administrative Facility

2073 Summit Lake Dr Ste 100
Tallahassee, FL 32317

https://www.firstcommercecu.org

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

First Commerce Credit Union CD Rates

Product	Rate	APY	Term
13 Month Certificate of Deposit	4.17%	4.25%	13 months
Min Balance $1,000 Details Bay; Triple Option CD Special; Dividend posting: Monthly; Minimum balance to open and earn dividends is $1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
13 Month Triple Option CD	4.17%	4.25%	13 months
Min Deposit $1,000 Min Balance $1,000 Details Bay; Triple Option CD Special; Dividend Posting: Monthly; Promotional 13-month term renews as a standard 12-month CD; Current members may open up to three Triple Option CDs and new members one, during promotional period; Features after 90 days: higher rate, adding funds, penalty-free withdrawal up to 50% of original principal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
13 Month Certificates of Deposit	3.93%	4.00%	13 months
Min Balance $1,000 Details Triple Option CD Special; Minimum balance to open and earn dividends is $1,000; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
13 Month Triple Option CD	3.93%	4.00%	13 months
Min Deposit $1,000 Min Balance $1,000 Details GA; Triple Option CD Special; Dividend Posting: Monthly; Promotional 13-month CD; minimum balance to open and earn dividends is $1,000; matures to a standard 12-month CD; current members may open up to three, new members one, during promotional period; penalty-free withdrawal up to 50% of original principal and rate bump available after 90 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Certificate of Deposit - 13 month (Triple Option CD Special)	3.93%	4.00%	13 months
Min Balance $1,000 Details FL; Triple Option CD Special; Dividend posting: Monthly; Minimum balance to open and earn dividends is $1,000; Promotional period; APY assumes funds remain on deposit for the 13-month term Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
4 Year CD	3.06%	3.10%	4 years
Details GA; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
4 Year Traditional CD	3.06%	3.10%	4 years
Min Deposit $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Certificate of Deposit - 4 years	3.06%	3.10%	4 years
Details FL; Dividend posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
3 Year CD	2.96%	3.00%	3 years
Details GA; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
3 Year Traditional CD	2.96%	3.00%	3 years
Min Deposit $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Certificate of Deposit - 3 years	2.96%	3.00%	3 years
Details FL; Dividend posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
2 Year CD	2.86%	2.90%	2 years
Details GA; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
2 Year Traditional CD	2.86%	2.90%	2 years
Min Deposit $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Certificate of Deposit - 2 years	2.86%	2.90%	2 years
Details FL; Dividend posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
18 Month CD	2.72%	2.75%	18 months
Details GA; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
18 Month Traditional CD	2.72%	2.75%	18 months
Min Deposit $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Certificate of Deposit - 18 month	2.72%	2.75%	18 months
Details FL; Dividend posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
12 Month CD	2.67%	2.70%	12 months
Details GA; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
12 Month Traditional CD	2.67%	2.70%	12 months
Min Deposit $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Certificate of Deposit - 12 month	2.67%	2.70%	12 months
Details FL; Dividend posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
6 Month CD	1.49%	1.50%	6 months
Details GA; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
6 Month Traditional CD	1.49%	1.50%	6 months
Min Deposit $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Certificate of Deposit - 6 month	1.49%	1.50%	6 months
Details FL; Dividend posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
91 Day CD	0.60%	0.60%	91 days
Details GA; Dividend Posting: Monthly; Not offered on IRAs Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
91 Day Traditional CD	0.60%	0.60%	91 days
Min Deposit $1,000 Details FL; Dividend Posting: Monthly; Not offered on IRAs Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Certificate of Deposit - 91 days	0.60%	0.60%	91 days
Details FL; Not offered on IRAs; Dividend posting: Monthly Last Updated 10/14/2026 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 Business CD Rates

Product	Rate	APY	Term
Business CD - 13 month (Triple Option CD Special)	4.17%	4.25%	13 months
Min Deposit $1,000 Min Balance $1,000 Details Bay; Triple Option CD Special (promotional period; footnotes 1-4 apply); Dividend Posting: Monthly; Fixed rate; Maturing promotional CD renews as standard 12-month CD Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
13 Month Business CD	3.93%	4.00%	13 months
Min Deposit $1,000 Min Balance $1,000 Details FL; Triple Option CD Special; Dividend Posting: Monthly; Promotional 13-month CD renews as standard 12-month CD Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business CD - 13 month (Triple Option CD Special)	3.93%	4.00%	13 months
Min Deposit $1,000 Min Balance $1,000 Details GA; Dividend Posting: Monthly; Triple Option CD promotional special; Promotional 13-month CD renews as standard 12-month CD; Options for higher rate, added funds and penalty-free withdrawal up to 50% of original principal after 90 days; Offer applies to consumer, business and IRA CDs Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
4 Year Business CD	3.06%	3.10%	4 years
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/14/2026 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%
Business CD - 4 years	3.06%	3.10%	4 years
Min Deposit $1,000 Min Balance $1,000 Details GA; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
3 Year Business CD	2.96%	3.00%	3 years
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/14/2026 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%
Business CD - 3 years	2.96%	3.00%	3 years
Min Deposit $1,000 Min Balance $1,000 Details GA; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
2 Year Business CD	2.86%	2.90%	2 years
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/14/2026 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%
Business CD - 2 years	2.86%	2.90%	2 years
Min Deposit $1,000 Min Balance $1,000 Details GA; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
18 Month Business CD	2.72%	2.75%	18 months
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/14/2026 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
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/14/2026 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
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly Last Updated 10/14/2026 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
Min Deposit $1,000 Min Balance $1,000 Details FL; Dividend Posting: Monthly; Not offered on IRAs Last Updated 10/14/2026 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%
Business CD - 91 days	0.60%	0.60%	91 days
Min Deposit $1,000 Min Balance $1,000 Details GA; Dividend Posting: Monthly; Not offered on IRAs Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Savings Rates

Product	Rate	APY
EvenUp Savings	2.50%	2.53%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 - $3,000.00; Prospective Dividend Rate; dividends posted quarterly; Requires debit card and one of: Power Checking, Power Checking + CoverMe, or SmartStart Checking Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Summer Camp Savings Club	-	2.50%
Min Deposit $5 Details Earn 2.5% APY on balances up to $3,000; 0.25% on amounts above $3,000; Choose maturity March 1, 2027 or June 1, 2027; Funds must remain on deposit until maturity or dividends may be forfeited; Rates subject to change quarterly Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	-	0.60%
Min Balance $50,000 Details Balance: $50,000.00 and above; Prospective rate; dividends posted quarterly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	-	0.45%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Prospective rate; dividends posted quarterly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	-	0.30%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Prospective rate; dividends posted quarterly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
EvenUp Savings	0.25%	0.25%
Min Deposit $5 Min Balance $3,000 Details Balance: $3,000.01 or above; Prospective Dividend Rate; dividends posted quarterly; Requires debit card and one of: Power Checking, Power Checking + CoverMe, or SmartStart Checking Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Savings Account	-	0.18%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Prospective rate; dividends posted quarterly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.18% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Holiday Club	0.15%	0.15%
Min Balance $5 Details Balance: $5.00; Prospective Dividend Rate/APY; All dividends are posted quarterly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Rosey's Holiday Club	-	0.15%
Min Deposit $5 Min Balance $5 Details Balance: $5.00; Funds automatically transferred to FCCU savings or checking each November 1; Plan on funds remaining on deposit until November 1 of each year or some dividends may be forfeited; Rates subject to change quarterly Last Updated 10/14/2026 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%
Savings Account	-	0.12%
Min Balance $5 Details Balance: $5.00 - $2,499.99; Prospective rate; dividends posted quarterly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Business Savings Rates

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

First Commerce Credit Union Money Market Rates

Product	Rate	APY
Momentum Money Market	3.93%	4.00%
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	3.93%	4.00%
Details Balance: Up to $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	2.96%	3.00%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	2.96%	3.00%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	1.98%	2.00%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	1.98%	2.00%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	1.49%	1.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; A $10 monthly fee will be assessed on balances below $2,500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	0.75%	0.75%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 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%
Momentum Money Market	0.75%	0.75%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 and above Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Momentum Money Market	0.75%	0.75%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 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%
Momentum Money Market	0.75%	0.75%
Min Balance $500,000 Details Balance: $500,000.00 and above Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account	0.75%	0.75%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; A $10 monthly fee will be assessed on balances below $2,500 Last Updated 10/14/2026 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	0.50%	0.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; A $10 monthly fee will be assessed on balances below $2,500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% 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 Details Balance: $10,000.00 - $24,999.99; A $10 monthly fee will be assessed on balances below $2,500 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.40% → 0.35% ▼ 0.05 pts · high 0.40% / low 0.35% Sep 18, 20260.35%▼ from 0.40% Sep 14, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account	0.10%	0.10%
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $9,999.99; A $10 monthly fee will be assessed on balances below $2,500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account	0.10%	0.10%
Min Balance $0 Details Balance: Up to $9,999.99 (Average Daily Balance); $10 monthly fee on balances below $2,500; Dividends posted quarterly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Checking Rates

Product	Rate	APY
Money Market Account - Power Checking	1.14%	1.15%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 and above; Requires qualifying Power Checking Account with Average Daily Balance of $2,500 or more Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	1.14%	1.14%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 and above; Requires Power Checking with Average Daily Balance of $2,500 or more; dividends paid quarterly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.14% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	1.09%	1.10%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Requires qualifying Power Checking Account with Average Daily Balance of $2,500 or more Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	1.05%	1.05%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Requires qualifying Power Checking Account with Average Daily Balance of $2,500 or more Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	0.80%	0.80%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Requires qualifying Power Checking Account with Average Daily Balance of $2,500 or more Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	0.55%	0.55%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Requires qualifying Power Checking Account with Average Daily Balance of $2,500 or more Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	0.40%	0.40%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Requires qualifying Power Checking Account with Average Daily Balance of $2,500 or more Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Power Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000.01 and above Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Money Market Account - Power Checking	0.15%	0.15%
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $9,999.99; Requires qualifying Power Checking Account with Average Daily Balance of $2,500 or more Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Power Checking	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Power Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 10/14/2026 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%
Power Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.01 - $5,000 Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Business Checking Rates

Product	Rate	APY
Business Community Interest Checking	0.15%	0.15%
Min Balance $15,000 Details Balance: $15,000 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business Community Interest Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business Community Interest Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business Community Interest Checking	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000 and above Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.24%	5 years or less
Details As Low As; Amount Borrowed: Up to 90% of market value; Monthly Payment Per $1,000 Borrowed: $19.44 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Home Equity Loan	-	-	7.24%	5-10 years
Details As Low As; Amount Borrowed: Up to 90% of market value Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Home Equity Loan	-	-	7.74%	10-15 years
Details As Low As; Amount Borrowed: Up to 90% of market value Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Home Equity Loan	-	-	8.74%	15-20 years
Details As Low As; Amount Borrowed: Up to 90% of market value; *Minimum loan of $40,000 for 20-year term Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Home Equity Loan	-	-	9.74%	30 years
Details As Low As; Amount Borrowed: Up to 80% of market value; *Minimum loan of $75,000 for 30-year term Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.99%	48 months or less
Details FL; As Low As; APR* as low as Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	5.24%	60 months
Details FL; As Low As; APR* as low as Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	5.49%	66 months
Details FL; As Low As; APR* as low as Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	5.49%	48 months or less
Details GA; As Low As; APR* as low as Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	5.74%	72 months
Details FL; As Low As; APR* as low as Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	5.74%	60 months
Details GA; As Low As; APR* as low as Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	5.99%	66 months
Details As Low As; Rate group 2 of 3 (qualifier not printed on page) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	5.99%	66 months
Details GA; As Low As; APR* as low as Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	6.24%	84 months
Details FL; As Low As; APR* as low as Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	6.24%	72 months
Details GA; As Low As; APR* as low as Last Updated 10/14/2026 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%
Used Auto Loan	-	-	6.49%	72 months
Details As Low As; Rate group 1 of 3 (qualifier not printed on page) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	6.74%	84 months
Details As Low As; Rate group 2 of 3 (qualifier not printed on page) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	6.99%	84 months
Details As Low As; Rate group 1 of 3 (qualifier not printed on page) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	7.24%	84 months
Details As Low As; Rate group 2 of 3 (qualifier not printed on page) Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Sep 27, 20267.24%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
New Auto Loan	-	-	7.49%	84 months
Details As Low As; Rate group 3 of 3 (qualifier not printed on page) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Used Auto Loan	-	-	7.99%	84 months
Details As Low As; Rate group 3 of 3 (qualifier not printed on page) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV, Boat, and Motorcycle Loan	-	5.79%	Up to 4 years
Details FL; As Low As; APR* as low as; Monthly payment per $1,000 borrowed: $23.44 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	6.04%	6 years
Details FL; As Low As; Minimum loan amount: $15,000+ Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.04% APR · checked 6 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
Details As Low As; Rate group 2 of 3 (qualifier not printed on page) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	6.54%	6 years
Details As Low As; Loan amount $15,000+; Rate group 2 of 3 (qualifier not printed on page) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.54% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	6.99%	Up to 4 years
Details As Low As; Rate group 3 of 3 (qualifier not printed on page) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	7.74%	10 years
Details FL; As Low As; Minimum loan amount: $50,000+ Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	7.99%	15 years
Details FL; As Low As; Minimum loan amount: $75,000+ Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	8.24%	10 years
Details As Low As; Loan amount $50,000+; Rate group 2 of 3 (qualifier not printed on page) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
RV, Boat, and Motorcycle Loan	-	8.49%	15 years
Details As Low As; Loan amount $75,000+; Rate group 2 of 3 (qualifier not printed on page) Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 6 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
Details As Low As; APR* as low as 11.24% Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 11.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

First Commerce Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fixed Land Loan	-	-	8.99%	5 years or less
Details As Low As Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Fixed Land Loan	-	-	9.99%	5 to 10 years
Details As Low As Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Fixed Land Loan	-	-	10.49%	15 to 20 years
Details As Low As; $40,000 minimum Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Revolving Line of Credit	-	-	12.24%
Details Published APR range: 12.24% - 17.99%. Amount: $500 - $40,000 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 12.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business CD - 12 months	2.67%	-	2.70%	12 months
Min Deposit $1,000 Min Balance $1,000 Details GA; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business CD - 18 months	2.72%	-	2.75%	18 months
Min Deposit $1,000 Min Balance $1,000 Details GA; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Business CD - 6 months	1.49%	-	1.50%	6 months
Min Deposit $1,000 Min Balance $1,000 Details GA; Dividend Posting: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account	0.10%	-	0.10%
Min Balance $50 Details Balance (ADB): $50.00 - $9,999.99; $2,000 maximum annual contribution per child under 18; account must be liquidated by age 30 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account	0.35%	-	0.35%
Min Balance $10,000 Details Balance (ADB): $10,000.00 - $24,999.99; $2,000 maximum annual contribution per child under 18; account must be liquidated by age 30 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account	0.50%	-	0.50%
Min Balance $25,000 Details Balance (ADB): $25,000.00 - $49,999.99; $2,000 maximum annual contribution per child under 18; account must be liquidated by age 30 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account	0.75%	-	0.75%
Min Balance $50,000 Details Balance (ADB): $50,000.00 - $99,999.99; $2,000 maximum annual contribution per child under 18; account must be liquidated by age 30 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account	1.00%	-	1.00%
Min Balance $100,000 Details Balance (ADB): $100,000.00 - $249,999.99; $2,000 maximum annual contribution per child under 18; account must be liquidated by age 30 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account	1.05%	-	1.05%
Min Balance $250,000 Details Balance (ADB): $250,000.00 - $499,999.99; $2,000 maximum annual contribution per child under 18; account must be liquidated by age 30 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Coverdell Education Savings Account	1.09%	-	1.10%
Min Balance $500,000 Details Balance (ADB): $500,000.00 and above; $2,000 maximum annual contribution per child under 18; account must be liquidated by age 30 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	0.10%	-	0.10%
Min Balance $50 Details Balance: $50.00 - $9,999.99; Dividend Rate/APY Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	0.35%	-	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Dividend Rate/APY Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	0.50%	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Dividend Rate/APY Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	0.75%	-	0.75%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Dividend Rate/APY Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	1.00%	-	1.00%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Dividend Rate/APY Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	1.05%	-	1.05%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Dividend Rate/APY Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Education IRA	1.09%	-	1.09%
Min Balance $500,000 Details Balance: $500,000.00 and above; Dividend Rate/APY Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.09% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	1.09%	-	1.10%
Min Balance $500,000 Details Balance: $500,000.00 and above; dividends posted monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	0.10%	-	0.10%
Min Balance $50 Details Account Type: Roth; Balance: $50.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	0.35%	-	0.35%
Min Balance $10,000 Details Account Type: Roth; Balance: $10,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	0.50%	-	0.50%
Min Balance $25,000 Details Account Type: Roth; Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	0.75%	-	0.75%
Min Balance $50,000 Details Account Type: Roth; Balance: $50,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	1.00%	-	1.00%
Min Balance $100,000 Details Account Type: Roth; Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Roth IRA	1.05%	-	1.05%
Min Balance $250,000 Details Account Type: Roth; Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%
Traditional IRA	1.09%	-	1.10%
Min Balance $500,000 Details Account Type: Traditional; Balance: $500,000.00 and above Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.60%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Commerce Credit Union’s Texas Ratio fell from 7.88% in Q3 2023 to 3.60% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.2B	3.60%	5.0	A+
March 31, 2026	$1.2B	3.72%	5.0	A+
December 31, 2025	$1.2B	4.00%	5.0	A+
September 30, 2025	$1.1B	4.52%	5.0	A+
June 30, 2025	$1.1B	3.87%	5.0	A+
March 31, 2025	$1.1B	3.74%	5.0	A+
December 31, 2024	$1.1B	5.17%	5.0	A+
September 30, 2024	$1.1B	5.91%	5.0	A+
June 30, 2024	$1.1B	5.93%	5.0	A+
March 31, 2024	$1.1B	6.31%	5.0	A
December 31, 2023	$1.1B	8.06%	5.0	A
September 30, 2023	$1.1B	7.88%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for First Commerce Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather First Commerce Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Commerce Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Commerce Credit Union

Website https://www.firstcommercecu.org

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

Phone 850-488-0035

Fax 850-921-2061

President Alan Neubauer

CEO Cecilia Homison

Full-Time Employees 188

Part-Time Employees 10

Branch Locations 15

ATM Locations 14

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.60%

Return on Assets (ROA)

0.3392%

Return on Equity (ROE)

3.3478%

Non-Performing Loans Ratio (NPL)

0.50%

Total Assets

1,237,808,239

Total Amount of Shares and Deposits

1,052,914,968

Total Shares and Deposits < 1 Year

932,897,400

Total Shares and Deposits 1 3 Years

119,311,453

Total Shares and Deposits > 3 Years

706,115

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

96,445,831

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

114,605,563

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

938,309,405

Total Interest Expense (Sum of items 6 8)

10,962,133

Share Certificates

7,724

Number of Accounts for Share Drafts

42,988

IRA KEOGH Accounts

1,895

Number of Accounts for Regular Shares

99,175

Non Member Deposits

Money Market Shares

2,039

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

4,198,412

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

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

53,163,853

Total Liabilities

1,140,129,791

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Commerce Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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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.

Compare to Other Credit Unions

First Commerce Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Commerce Credit Union Texas Ratio

First Commerce Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Commerce Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Commerce Credit Union

How many branches does First Commerce Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Commerce Credit Union offer online and mobile banking?

Current First Commerce Credit Union Rates

Compare to Other Credit Unions