Bank · FDIC insured
First Commerce Bank CD Rates
First Commerce Bank’s best CD rate is 3.75% APY on a 4-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How First Commerce Bank’s CD rates compare
Compared with banks and credit unions near Lewisburg, TN, where First Commerce Bank has the most branches. $10,000, best rate first.
This bank’s best
First Commerce Bank
3.75%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,587
Certificates of Deposit
Top rate
First National Bank
4.25%APY
- Term
- 36 months
- Minimum
- $10,000
- Earns on $10,000
- $1,330
2nd-highest rate
Ascend Federal Credit Union
4.20%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $420
First Commerce Bank CD score
81
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
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.
Certificates of Deposit
Up to 3.75%APY · 8 terms
Interest begins to accrue on the day the deposit is made and is calculated by the daily balance method. Penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.29% | $81 |
| 6 months | 3.29% | $163 |
| 12 months | 3.50% | $350 |
| 18 months | 3.50% | $530 |
| 24 months | 3.65% | $743 |
| 36 months | 3.65% | $1,135 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.75% | $2,021 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.80%APY · 8 terms
Early withdrawal: Bank-imposed penalties for early withdrawal of IRA deposits are as follows. Except for IRAs revoked within 7 days of opening, funds on deposit 90 days or less will result in a $100 penalty, and CD funds cashed before maturity will result in standard CD penalties. Withdrawal before age 59 1/2 may result in a federal tax penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum balance required: $100. Interest accrues by the daily balance method | 3.29% | $81 |
| 6 monthsMinimum balance required: $100. Interest accrues by the daily balance method | 3.29% | $163 |
| 12 monthsMinimum balance required: $100. Interest accrues by the daily balance method | 3.55% | $355 |
| 18 monthsMinimum balance required: $100. Interest accrues by the daily balance method | 3.55% | $537 |
| 24 monthsMinimum balance required: $100. Interest accrues by the daily balance method | 3.70% | $754 |
| 36 monthsMinimum balance required: $100. Interest accrues by the daily balance method | 3.70% | $1,152 |
| 48 monthsMinimum balance required: $100. Interest accrues by the daily balance method | 3.80% | $1,609 |
| 60 monthsMinimum balance required: $100. Interest accrues by the daily balance method | 3.80% | $2,050 |
Sources (2)
All captured Sep 18, 2026
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.