Bank · FDIC insured
First Commerce Bank Savings Rates
First Commerce Bank’s best savings rate is 0.10% APY on $10,000, with its Rate Climber Money Market. Rates checked October 15, 2026.
How First Commerce Bank’s savings 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
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Rate Climber Money Market
Top rate
Ascend Federal Credit Union
3.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $330
2nd-highest rate
First Farmers & Merchants Bank
2.78%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $278
First Commerce Bank savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.10%
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.
Rate Climber Money Market
0.10%APY
Interest accrues by the daily balance method beginning after account opening. Minimum balance required to obtain APY. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum balance required to obtain APY. | 0.05% | — | Minimum balance required to obtain APY. |
| $10,000 – $50,000Minimum balance required to obtain APY. | 0.10% | $10 | Minimum balance required to obtain APY. |
| $50,000 and upMinimum balance required to obtain APY. | 0.15% | — | Minimum balance required to obtain APY. |
Sources (1)
- firstcommercebank.net/deposit-rates · captured Sep 18, 2026
Regular Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest accrues daily and is paid quarterly. Unlimited ATM transactions if linked to a checking account. Minimum balance required to obtain APY.Any balance | 0.05% | $5 | Interest accrues daily and is paid quarterly. Unlimited ATM transactions if linked to a checking account. Minimum balance required to obtain APY. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Christmas Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum opening balance. Around November 15th, you will receive a check for the amount deposited plus interest. Accounts closed early will forfeit interest earned. Interest accrues daily and is paid annually. Minimum balance required to obtain APY.Any balance | 0.05% | $5 | No minimum opening balance. Around November 15th, you will receive a check for the amount deposited plus interest. Accounts closed early will forfeit interest earned. Interest accrues daily and is paid annually. Minimum balance required to obtain APY. |
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.