Bank · FDIC insured
First Commerce Bank Savings Rates
First Commerce Bank’s best savings rate is 3.00% APY on $10,000, with its Relationship Savings. Rates checked October 22, 2026.
How First Commerce Bank’s savings 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
3.00%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $300
Relationship Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
First Commerce Bank savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Relationship Money Market
3.00%APY
Requires maintaining a checking account with First Commerce Bank. A $15.00 monthly maintenance fee is imposed if unable to maintain a daily balance of $25,000.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires maintaining a checking account. A $15.00 monthly maintenance fee applies if a daily balance of $25,000.00 is not maintained.Any balance | 3.00% | $300 | Requires maintaining a checking account. A $15.00 monthly maintenance fee applies if a daily balance of $25,000.00 is not maintained. |
Relationship Savings
3.00%APY
If unable to maintain a daily balance of $1,000.00, a $10.00 monthly maintenance fee will be imposed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly maintenance fee waived if minimum daily balance of $1,000.00 is maintained.Any balance | 3.00% | $300 | Monthly maintenance fee waived if minimum daily balance of $1,000.00 is maintained. |
Premier Money Market
1.25%APY
Tiered rate account with no monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000No monthly fees. | 1.25% | $125 | No monthly fees. |
| $50,000 and upNo monthly fees. | 1.50% | — | No monthly fees. |
Premier Savings
0.35%APY
If unable to maintain a minimum daily balance of $1,000.00, a $20.00 monthly maintenance fee will be imposed.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Monthly maintenance fee waived if minimum daily balance of $1,000.00 is maintained. | 0.35% | — | Monthly maintenance fee waived if minimum daily balance of $1,000.00 is maintained. |
| $5,000 and upMonthly maintenance fee waived if minimum daily balance of $1,000.00 is maintained. | 0.35% | $35 | Monthly maintenance fee waived if minimum daily balance of $1,000.00 is maintained. |
Money Market
0.25%APY
Tiered rate account. A $10.00 monthly maintenance fee is imposed if unable to maintain the $10,000 minimum balance requirement.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000A $10.00 monthly maintenance fee is imposed if unable to maintain a $10,000 minimum balance. | 0.25% | $25 | A $10.00 monthly maintenance fee is imposed if unable to maintain a $10,000 minimum balance. |
| $100,000 and upA $10.00 monthly maintenance fee is imposed if unable to maintain a $10,000 minimum balance. | 0.30% | — | A $10.00 monthly maintenance fee is imposed if unable to maintain a $10,000 minimum balance. |
Statement Savings
0.10%APY
If unable to maintain a minimum daily balance of $100.00, a $5.00 monthly maintenance fee will be imposed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly maintenance fee waived if minimum daily balance of $100.00 is maintained.Any balance | 0.10% | $10 | Monthly maintenance fee waived if minimum daily balance of $100.00 is maintained. |
Special-purpose accounts
Holiday Club Savings
0.35%APY · 1 term
Account has a 52-week term. If closed before the end of the 52-week term, all interest is forfeited and a $5.00 fee is imposed. Automatically closes after 90 days if there is no activity.
| Term | APY · Up to $100 | APY · $100 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months52-week term. Variable interest rate | 0.00% | — | —0.00% to $100 | — |
| 12 monthsEarn 0.35% APY interest on balances of $100 or more. 52-week term. Variable interest rate | — | 0.35% | 0.35% | $35 |
IRA Savings
0.30%APY
Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 0.30% | $30 |
| $100,000 and up | 0.35% | — |
Minor Savings
0.10%APY
If unable to maintain a minimum daily balance of $25.00, a $5.00 monthly maintenance fee will be imposed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMonthly maintenance fee waived if minimum daily balance of $25.00 is maintained.Any balance | 0.10% | $10 | Monthly maintenance fee waived if minimum daily balance of $25.00 is maintained. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.