Bank · FDIC insured
First Commerce Bank CD Rates
First Commerce Bank’s best CD rate is 4.50% APY on a 17-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How First Commerce Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where First Commerce Bank has the most branches. $10,000, best rate first.
This bank’s best
First Commerce Bank
4.50%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $643
CDs
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
First Commerce Bank CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Commerce Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CDs
Up to 4.50%APY · 24 terms
Minimum balance to open certificate and obtain stated APY is $1,000.00. CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $29 |
| 3 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $86 |
| 5 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $144 |
| 6 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $173 |
| 7 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $203 |
| 9 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $261 |
| 10 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 4.10% | $341 |
| 11 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $320 |
| 12 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $350 |
| 13 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $380 |
| 14 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $410 |
| 15 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $439 |
| 17 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 4.50% | $643 |
| 18 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.75% | $568 |
| 19 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.25% | $519 |
| 20 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.25% | $548 |
| 23 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.25% | $632 |
| 24 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.25% | $661 |
| 27 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.00% | $688 |
| 29 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.00% | $740 |
| 30 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.00% | $767 |
| 36 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.00% | $927 |
| 48 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.00% | $1,255 |
| 60 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.00% | $1,593 |
Sources (1)
- firstcommercebk.com/personal-banking/rates · captured Oct 15, 2026
Online CDs
Up to 3.50%APY · 5 terms
Online only certificate of deposit account. Minimum balance required to open certificate and obtain stated APY is $1,000.00. Automatically renews at maturity at the then-current published First Commerce Bank APY for that term. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $173 |
| 7 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $203 |
| 12 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $350 |
| 15 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $439 |
| 24 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.25% | $661 |
Sources (1)
- firstcommercebk.com/personal-banking/rates · captured Oct 15, 2026
Special-purpose accounts
IRA CDs
Up to 4.50%APY · 12 terms
Minimum balance to open certificate and obtain stated APY is $1,000.00. CD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $261 |
| 12 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $350 |
| 17 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 4.50% | $643 |
| 18 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.75% | $568 |
| 19 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.50% | $560 |
| 20 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.25% | $548 |
| 23 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.25% | $632 |
| 24 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.25% | $661 |
| 30 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.00% | $767 |
| 36 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.00% | $927 |
| 48 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.00% | $1,255 |
| 60 monthsCD will automatically renew on maturity at the then current published First Commerce Bank APY for that term. Minimum balance to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account. This offer may be discontinued at any given time without prior notice | 3.00% | $1,593 |
Sources (1)
- firstcommercebk.com/personal-banking/rates · captured Oct 15, 2026
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