skip to main content
FDIC

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

First Commerce Bank
Select Language
Desktop Username
Desktop Password
Forgot Password? Damaged Token
Open An Account
Desktop Username
Desktop Password
Forgot Password? Enroll Now
Open An Account
  • search search

Deposit
Rates

DepositRates

Our Current Rates

  • Personal Banking Rates
  • Business Banking Rates

Seeking additional FDIC insurance coverage and competitive rates?

Learn more about our ICS and CDARS products

Online Only CDs

Term
Rate
APY*
Minimum to Open
6 Month Open Account
3.682%
3.75%
$1,000.00
7 Month Open Account
3.682%
3.75%
$1,000.00
12 Month Open Account
3.441%
3.50%
$1,000.00
24 Month Open Account
3.199%
3.25%
$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY.  Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

CDs

Term
Rate
APY*
Minimum to Open
1 Month Request Appointment
3.441%
3.50%
$1,000.00
3 Month Request Appointment
3.441%
3.50%
$1,000.00
5 Month Request Appointment
3.441%
3.50%
$1,000.00
6 Month Request Appointment
3.441%
3.50%
$1,000.00
7 Month Request Appointment
3.441%
3.50%
$1,000.00
9 Month Request Appointment
3.561%
3.62%
$1,000.00
10 Month Request Appointment
3.441%
3.50%
$1,000.00
11 Month Request Appointment
3.441%
3.50%
$1,000.00
12 Month Request Appointment
3.441%
3.50%
$1,000.00
13 Month Request Appointment
3.441%
3.50%
$1,000.00
14 Month Request Appointment
3.441%
3.50%
$1,000.00
15 Month Request Appointment
3.441%
3.50%
$1,000.00
17 Month Request Appointment
3.441%
3.50%
$1,000.00
18 Month Request Appointment
3.682%
3.75%
$1,000.00
19 Month Request Appointment
3.199%
3.25%
$1,000.00
20 Month Request Appointment
3.199%
3.25%
$1,000.00
23 Month Request Appointment
3.199%
3.25%
$1,000.00
24 Month Request Appointment
3.199%
3.25%
$1,000.00
27 Month Request Appointment
2.956%
3.00%
$1,000.00
29 Month Request Appointment
2.956%
3.00%
$1,000.00
30 Month Request Appointment
2.956%
3.00%
$1,000.00
36 Month Request Appointment
2.956%
3.00%
$1,000.00
48 Month Request Appointment
2.956%
3.00%
$1,000.00
60 Month Request Appointment
2.956%
3.00%
$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY.  Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

IRA CDs

Term
Rate
APY*
Minimum to Open
9 Month Request Appointment
3.441%
3.50%
$1,000.00
12 Month Request Appointment
3.441%
3.50%
$1,000.00
17 Month Request Appointment
3.441%
3.50%
$1,000.00
18 Month Request Appointment
3.682%
3.75%
$1,000.00
19 Month Request Appointment
3.441%
3.50%
$1,000.00
20 Month Request Appointment
3.199%
3.25%
$1,000.00
23 Month Request Appointment
3.199%
3.25%
$1,000.00
24 Month Request Appointment
3.199%
3.25%
$1,000.00
30 Month Request Appointment
2.956%
3.00%
$1,000.00
36 Month Request Appointment
2.956%
3.00%
$1,000.00
48 Month Request Appointment
2.956%
3.00%
$1,000.00
60 Month Request Appointment
2.956%
3.00%
$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY.  Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Checking

Account
Tiered Amounts
Rate
APY*
Minimum to Open
Ultimate Rewards Open Account Learn More
0.500%
0.50%
$100.00
Rate applicable for balances up to $100,000 when qualifications disclosed are met.
2.956%
3.00%
$100.00
Premier Interest Open Account Learn More
0.250%
0.25%
$500.00
Interest Learn More Request Appointment
0.250%
0.25%
$1,000.00
50+ Open Account Learn More
0.300%
0.30%
$100.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY. Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Savings

Account
Tiered Amounts
Rate
APY*
Minimum to Open
Statement Learn More Request Appointment
0.100%
0.10%
$100.00
Relationship Open Account Learn More
2.956%
3.00%
$1,000.00
Minor Learn More Request Appointment
0.100%
0.10%
$25.00
Holiday Club Learn More Request Appointment
$0 - $99
0.000%
0.00%
$5.00
$100 +
0.350%
0.35%
$5.00
Premier Open Account Learn More
$0 - $4,999
0.350%
0.35%
$1,000.00
$5,000 +
0.350%
0.35%
$1,000.00
IRA Express Learn More Request Appointment
$0 - $99,999
0.300%
0.30%
$50.00
$100,000 +
0.350%
0.35%
$50.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY. Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Money Market

Account
Tiered Amounts
Rate
APY*
Minimum to Open
Premier Money Open Account Learn More
$0 - $49,999.99
1.243%
1.25%
$10,000.00
$50,000 +
1.489%
1.50%
$10,000.00
Money Market Learn More Request Appointment
$0 - $99,999
0.250%
0.25%
$50.00
$100,000 +
0.300%
0.30%
$50.00
Consumer Relationship Open Account Learn More
2.713%
2.75%
$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY. Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Online Only CDs

6 Month Open Account

Rate

3.682%

APY*

3.75%

Minimum to Balance

$1,000.00

7 Month Open Account

Rate

3.682%

APY*

3.75%

Minimum to Balance

$1,000.00

12 Month Open Account

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

24 Month Open Account

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY.  Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

CDs

1 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

3 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

5 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

6 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

7 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

9 Month Request Appointment

Rate

3.561%

APY*

3.62%

Minimum to Balance

$1,000.00

10 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

11 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

12 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

13 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

14 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

15 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

17 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

18 Month Request Appointment

Rate

3.682%

APY*

3.75%

Minimum to Balance

$1,000.00

19 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

20 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

23 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

24 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

27 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

29 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

30 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

36 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

48 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

60 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY.  Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

IRA CDs

9 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

12 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

17 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

18 Month Request Appointment

Rate

3.682%

APY*

3.75%

Minimum to Balance

$1,000.00

19 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

20 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

23 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

24 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

30 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

36 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

48 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

60 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY.  Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Checking

Ultimate Rewards Open Account Learn More

Tiered Amounts

Rate

0.500%

APY*

0.50%

Minimum to Balance

$100.00

Ultimate Rewards

Tiered Amounts

Rate applicable for balances up to $100,000 when qualifications disclosed are met.

Rate

2.956%

APY*

3.00%

Minimum to Balance

$100.00

Premier Interest Open Account Learn More

Tiered Amounts

Rate

0.250%

APY*

0.25%

Minimum to Balance

$500.00

Interest Learn More Request Appointment

Tiered Amounts

Rate

0.250%

APY*

0.25%

Minimum to Balance

$1,000.00

50+ Open Account Learn More

Tiered Amounts

Rate

0.300%

APY*

0.30%

Minimum to Balance

$100.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY. Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Savings

Statement Learn More Request Appointment

Tiered Amounts

Rate

0.100%

APY*

0.10%

Minimum to Balance

$100.00

Relationship Open Account Learn More

Tiered Amounts

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

Minor Learn More Request Appointment

Tiered Amounts

Rate

0.100%

APY*

0.10%

Minimum to Balance

$25.00

Holiday Club Learn More Request Appointment

Tiered Amounts

$0 - $99

Rate

0.000%

APY*

0.00%

Minimum to Balance

$5.00

Holiday Club

Tiered Amounts

$100 +

Rate

0.350%

APY*

0.35%

Minimum to Balance

$5.00

Premier Open Account Learn More

Tiered Amounts

$0 - $4,999

Rate

0.350%

APY*

0.35%

Minimum to Balance

$1,000.00

Premier

Tiered Amounts

$5,000 +

Rate

0.350%

APY*

0.35%

Minimum to Balance

$1,000.00

IRA Express Learn More Request Appointment

Tiered Amounts

$0 - $99,999

Rate

0.300%

APY*

0.30%

Minimum to Balance

$50.00

IRA Express

Tiered Amounts

$100,000 +

Rate

0.350%

APY*

0.35%

Minimum to Balance

$50.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY. Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Money Market

Premier Money Open Account Learn More

Tiered Amounts

$0 - $49,999.99

Rate

1.243%

APY*

1.25%

Minimum to Balance

$10,000.00

Premier Money

Tiered Amounts

$50,000 +

Rate

1.489%

APY*

1.50%

Minimum to Balance

$10,000.00

Money Market Learn More Request Appointment

Tiered Amounts

$0 - $99,999

Rate

0.250%

APY*

0.25%

Minimum to Balance

$50.00

Money Market

Tiered Amounts

$100,000 +

Rate

0.300%

APY*

0.30%

Minimum to Balance

$50.00

Consumer Relationship Open Account Learn More

Tiered Amounts

Rate

2.713%

APY*

2.75%

Minimum to Balance

$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY. Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Seeking additional FDIC insurance coverage and competitive rates?

Learn more about our ICS and CDARS products

Online Only CDs

Term
Rate
APY*
Minimum to Open
6 Month Open Account
3.682%
3.75%
$1,000.00
7 Month Open Account
3.682%
3.75%
$1,000.00
12 Month Open Account
3.441%
3.50%
$1,000.00
24 Month Open Account
3.199%
3.25%
$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY.  Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

CDs

Term
Rate
APY*
Minimum to Open
1 Month Request Appointment
3.441%
3.50%
$1,000.00
3 Month Request Appointment
3.441%
3.50%
$1,000.00
5 Month Request Appointment
3.441%
3.50%
$1,000.00
6 Month Request Appointment
3.441%
3.50%
$1,000.00
7 Month Request Appointment
3.441%
3.50%
$1,000.00
9 Month Request Appointment
3.441%
3.50%
$1,000.00
10 Month Request Appointment
3.441%
3.50%
$1,000.00
11 Month Request Appointment
3.441%
3.50%
$1,000.00
12 Month Request Appointment
3.441%
3.50%
$1,000.00
13 Month Request Appointment
3.441%
3.50%
$1,000.00
14 Month Request Appointment
3.441%
3.50%
$1,000.00
15 Month Request Appointment
3.441%
3.50%
$1,000.00
17 Month Request Appointment
3.441%
3.50%
$1,000.00
18 Month Request Appointment
3.682%
3.75%
$1,000.00
19 Month Request Appointment
3.199%
3.25%
$1,000.00
20 Month Request Appointment
3.199%
3.25%
$1,000.00
23 Month Request Appointment
3.199%
3.25%
$1,000.00
24 Month Request Appointment
3.199%
3.25%
$1,000.00
27 Month Request Appointment
2.956%
3.00%
$1,000.00
29 Month Request Appointment
2.956%
3.00%
$1,000.00
30 Month Request Appointment
2.956%
3.00%
$1,000.00
36 Month Request Appointment
2.956%
3.00%
$1,000.00
48 Month Request Appointment
2.956%
3.00%
$1,000.00
60 Month Request Appointment
2.956%
3.00%
$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY.  Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

IRA CDs

Term
Rate
APY*
Minimum to Open
9 Month Request Appointment
3.441%
3.50%
$1,000.00
12 Month Request Appointment
3.441%
3.50%
$1,000.00
17 Month Request Appointment
3.441%
3.50%
$1,000.00
18 Month Request Appointment
3.682%
3.75%
$1,000.00
19 Month Request Appointment
3.441%
3.50%
$1,000.00
20 Month Request Appointment
3.199%
3.25%
$1,000.00
23 Month Request Appointment
3.199%
3.25%
$1,000.00
24 Month Request Appointment
3.199%
3.25%
$1,000.00
30 Month Request Appointment
2.956%
3.00%
$1,000.00
36 Month Request Appointment
2.956%
3.00%
$1,000.00
48 Month Request Appointment
2.956%
3.00%
$1,000.00
60 Month Request Appointment
2.956%
3.00%
$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY.  Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Checking

Account
Tiered Amounts
Rate
APY*
Minimum to Open
Premier Interest Request Appointment
0.300%
0.30%
$500.00
Non-profit Open Account Learn More
0.250%
0.25%
$50.00
Attorney/Client Sub Request Appointment
0.100%
0.10%
$50.00
IOLTA Learn More Request Appointment
2.250%
2.28%
$0.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY. Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Savings

Account
Tiered Amounts
Rate
APY*
Minimum to Open
Tenant Escrow Request Appointment
0.100%
0.10%
$100.00
Business Statement Open Account Learn More
0.100%
0.10%
$100.00
Business Relationship Open Account Learn More
2.956%
3.00%
$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY. Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Money Market

Account
Tiered Amounts
Rate
APY*
Minimum to Open
Premier Business Open Account Learn More
$0 - $49,999.99
1.735%
1.75%
$10,000.00
$50,000 +
2.713%
2.75%
$10,000.00
Business Relationship Open Account Learn More
2.713%
2.75%
$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY. Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Online Only CDs

6 Month Open Account

Rate

3.682%

APY*

3.75%

Minimum to Balance

$1,000.00

7 Month Open Account

Rate

3.682%

APY*

3.75%

Minimum to Balance

$1,000.00

12 Month Open Account

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

24 Month Open Account

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY.  Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

CDs

1 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

3 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

5 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

6 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

7 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

9 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

10 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

11 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

12 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

13 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

14 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

15 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

17 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

18 Month Request Appointment

Rate

3.682%

APY*

3.75%

Minimum to Balance

$1,000.00

19 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

20 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

23 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

24 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

27 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

29 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

30 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

36 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

48 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

60 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY.  Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

IRA CDs

9 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

12 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

17 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

18 Month Request Appointment

Rate

3.682%

APY*

3.75%

Minimum to Balance

$1,000.00

19 Month Request Appointment

Rate

3.441%

APY*

3.50%

Minimum to Balance

$1,000.00

20 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

23 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

24 Month Request Appointment

Rate

3.199%

APY*

3.25%

Minimum to Balance

$1,000.00

30 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

36 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

48 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

60 Month Request Appointment

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY.  Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Checking

Premier Interest Request Appointment

Tiered Amounts

Rate

0.300%

APY*

0.30%

Minimum to Balance

$500.00

Non-profit Open Account Learn More

Tiered Amounts

Rate

0.250%

APY*

0.25%

Minimum to Balance

$50.00

Attorney/Client Sub Request Appointment

Tiered Amounts

Rate

0.100%

APY*

0.10%

Minimum to Balance

$50.00

IOLTA Learn More Request Appointment

Tiered Amounts

Rate

2.250%

APY*

2.28%

Minimum to Balance

$0.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY. Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Savings

Tenant Escrow Request Appointment

Tiered Amounts

Rate

0.100%

APY*

0.10%

Minimum to Balance

$100.00

Business Statement Open Account Learn More

Tiered Amounts

Rate

0.100%

APY*

0.10%

Minimum to Balance

$100.00

Business Relationship Open Account Learn More

Tiered Amounts

Rate

2.956%

APY*

3.00%

Minimum to Balance

$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY. Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Money Market

Premier Business Open Account Learn More

Tiered Amounts

$0 - $49,999.99

Rate

1.735%

APY*

1.75%

Minimum to Balance

$10,000.00

Premier Business

Tiered Amounts

$50,000 +

Rate

2.713%

APY*

2.75%

Minimum to Balance

$10,000.00

Business Relationship Open Account Learn More

Tiered Amounts

Rate

2.713%

APY*

2.75%

Minimum to Balance

$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 12, 2025. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. The 18-month CD will automatically renew on maturity at 3.50% APY. Minimum deposit to open certificate is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Relationship Managers
FirstCommerceBank Logo

You are leaving First Commerce Bank site to visit a site not hosted by First Commerce Bank. Please review the third-party’s privacy policy, accessibility policy, and terms. First Commerce Bank is not responsible for the content provided by third-party sites.

Go Back
Proceed