First Commerce Credit Union Savings & Money Market Rates

How First Commerce Credit Union’s savings rates compare

Compared with banks and credit unions near Tallahassee, FL, where First Commerce Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
First Commerce Credit Union
3.00%APY
Minimum
$2,500
Earns on $10,000 a year
$300
Momentum Money Market
Top rate
SmartBank
4.00%APY
Minimum
$2,500
Earns on $10,000 a year
$400
SmartBank rates
3rd-highest rate
Self-Help Credit Union
2.12%APY
Minimum
—
Earns on $10,000 a year
$212
Self-Help Credit Union rates

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Savings score

Higher than 88% of U.S. banks and credit unions

By balance

$10,000 balance$10,0003.00%
$100,000 balance$100,0002.00%
QualifiedQualified3.00%

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.

How the score works →

Where First Commerce Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Momentum Money Market

3.00%APY$2,500 to open

Minimum opening deposit $2,500. No monthly maintenance fee. Dividends are compounded monthly and credited monthly using a blended rate across balance tiers. Limit one Momentum Money Market account per member; members with a Momentum MMA may not hold a Traditional Money Market at the same time. Membership required. Federally insured by NCUA.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Blended rate tier on balances between $0.01 and $9,999.99; earn up to 4.00% APY on balances under $10,000.	4.00%	—	Blended rate tier on balances between $0.01 and $9,999.99; earn up to 4.00% APY on balances under $10,000.
$10,000 – $25,000Blended rate tier on balances between $10,000 and $24,999.99.	3.00%	$300	Blended rate tier on balances between $10,000 and $24,999.99.
$25,000 – $500,000Blended rate tier on balances between $25,000 and $49,999.99.	2.00%	—	Blended rate tier on balances between $25,000 and $49,999.99.
$50,000 – $100,000Blended rate tier on balances between $50,000 and $99,999.99.	1.50%	—	Blended rate tier on balances between $50,000 and $99,999.99.
$100,000 – $250,000Blended rate tier on balances between $100,000 and $249,999.99.	1.00%	—	Blended rate tier on balances between $100,000 and $249,999.99.
$250,000 – $500,000Blended rate tier on balances $250,000 or more.	0.75%	—	Blended rate tier on balances $250,000 or more.
$500,000 and upBlended rate tier on balances $250,000 or more.	0.75%	—	Blended rate tier on balances $250,000 or more.

Sources (3)

All captured Oct 15, 2026

Money Market

Up to 0.40%APYRequirements apply$2,500 to open

Minimum opening deposit $2,500. A $10 monthly fee is assessed on balances below $2,500 (no fees on average daily balances of $2,500 or higher). Free check writing up to 3 per month. All dividends are posted quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.	0.15%	—	Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.
Up to $10,000Standard rate. Fee waived on average daily balances of $2,500 or higher.	0.10%	—	Standard rate. Fee waived on average daily balances of $2,500 or higher.
$10,000 – $25,000Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.	0.40%	$40	Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.
$10,000 – $25,000Standard rate. Fee waived on average daily balances of $2,500 or higher.	0.35%	$35	Standard rate. Fee waived on average daily balances of $2,500 or higher.
$25,000 – $50,000Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.	0.55%	—	Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.
$25,000 – $50,000Standard rate. Fee waived on average daily balances of $2,500 or higher.	0.50%	—	Standard rate. Fee waived on average daily balances of $2,500 or higher.
$50,000 – $100,000Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.	0.80%	—	Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.
$50,000 – $100,000Standard rate. Fee waived on average daily balances of $2,500 or higher.	0.75%	—	Standard rate. Fee waived on average daily balances of $2,500 or higher.
$100,000 – $250,000Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.	1.05%	—	Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.
$100,000 – $250,000Standard rate. Fee waived on average daily balances of $2,500 or higher.	1.00%	—	Standard rate. Fee waived on average daily balances of $2,500 or higher.
$250,000 – $500,000Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.	1.10%	—	Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.
$250,000 – $500,000Standard rate. Fee waived on average daily balances of $2,500 or higher.	1.05%	—	Standard rate. Fee waived on average daily balances of $2,500 or higher.
$500,000 and upPower Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.	1.15%	—	Power Checking rate tier. Requires Power Checking account with an Average Daily Balance of $2,500 or more (also applies to iEarn and iEarn 50+ accounts). Fee waived on average daily balances of $2,500 or higher.
$500,000 and upStandard rate. Fee waived on average daily balances of $2,500 or higher.	1.10%	—	Standard rate. Fee waived on average daily balances of $2,500 or higher.

Sources (2)

All captured Oct 15, 2026

Who can join First Commerce Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Open to anyone

Anyone who joins the FCCU Foundation by making a minimum one-time unrestricted contribution of $15 is eligible for membership.

Where you live or work

Individuals who live or work in designated counties across North Florida and South Georgia are eligible for membership.

Employers and groups

Employees of listed participating employers and associations are eligible for membership.
Clients of Six Pillars Financial Advisors are eligible for membership.

Military, government and schools

Employees of the Florida National Guard are eligible for membership.

Family and household

Individuals with an immediate family member who is already a member are eligible to join.

Cost to join

Joining via the FCCU Foundation requires a one-time minimum contribution of $15.
Opening an account requires $5 plus a minimum opening deposit based on the account type.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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