Deposit Rates & Loan Rates

Rates are accurate as of   and are subject to change without notice. For more information on fees and terms, please see individual account and product pages or contact a First Commerce Financial Services Officer at 850.488.0035 or 1.800.533.5772.

Deposit Account Rates

First Commerce offers competitive rates for checking accounts, savings accounts, CDs, IRAs and Money Market accounts.

iEarn! Checking Interest Rates

iEarn! Checking Interest Rates
Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.99 0.00% 0.00%
$1,000.00 – $2,499.99 0.03% 0.03%
$2,500.00 – $9,999.99 0.05% 0.05%
$10,000.00 – $24,999.99 0.10% 0.10%
$25,000.00 and above 0.05% 0.05%

iEarn!50+ Checking Interest Rates

iEarn!50+ Checking Interest Rates in Florida
Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.99 0.00% 0.00%
$1,000.00 – $2,499.99 0.03% 0.03%
$2,500.00 – $4,999.99 0.05% 0.05%
$5,000.00 – $9,999.99 0.10% 0.10%
$10,000.00 – $24,999.99 0.15% 0.15%
$25,000.00 and above 0.05% 0.05%
iEarn!50+ Checking Interest Rates in Georgia
Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $999.99 0.00% 0.00%
$1,000.00 – $2,499.99 0.05% 0.05%
$2,500.00 – $4,999.99 0.10% 0.10%
$5,000.00 – $9,999.99 0.15% 0.15%
$10,000.00 – $24,999.99 0.20% 0.20%
$25,000.00 and above 0.05% 0.05%

CD Rates

Our rates are consistently ranked at the top of the market. Penalties apply for early withdrawal.

CD Rates at Tallahassee, FL locations
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)
Monthly 0.05% 0.05%
182 days Monthly 0.25% 0.25%
12 month Monthly 0.57% 0.57%*
18 month Monthly 0.57% 0.57%
2 year Monthly 0.60% 0.60%
3 year Monthly 0.60% 0.60%
4 year Monthly 0.60% 0.60%
*Published rates are for members with additional products and services with FCCU beyond CDs and a savings/share account. Those members with only CDs and a share/savings account will receive a lower rate on their CDs than what is published here. For members with only CDs and a share/savings account, we would love an opportunity to share FCCU's financial solutions with you which will empower you to achieve your financial goals, and enable us to pay you the published rates on your CDs.
CD Rates at Marianna, FL location
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)
Monthly 0.05% 0.05%
182 days Monthly 0.25% 0.25%
12 month Monthly 0.57% 0.57%*
18 month Monthly 0.57% 0.57%
2 year Monthly 0.60% 0.60%
3 year Monthly 0.60% 0.60%
4 year Monthly 0.60% 0.60%
*Published rates are for members with additional products and services with FCCU beyond CDs and a savings/share account. Those members with only CDs and a share/savings account will receive a lower rate on their CDs than what is published here. For members with only CDs and a share/savings account, we would love an opportunity to share FCCU's financial solutions with you which will empower you to achieve your financial goals, and enable us to pay you the published rates on your CDs.
CD Rates at Thomasville, GA location
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)
Monthly 0.15% 0.15%
182 days Monthly 0.30% 0.30%
12 month Monthly 0.57% 0.57%
18 month Monthly 0.57% 0.57%
2 year Monthly 0.65% 0.65%
3 year Monthly 0.65% 0.65%
4 year Monthly 0.65% 0.65%
CD Rates at Valdosta, GA locations
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)
Monthly 0.15% 0.15%
182 days Monthly 0.30% 0.30%
12 month Monthly 0.57% 0.57%
18 month Monthly 0.57% 0.57%
2 year Monthly 0.65% 0.65%
3 year Monthly 0.65% 0.65%
4 year Monthly 0.65% 0.65%
CD Rates at Nashville, GA location
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)
Monthly 0.15% 0.15%
182 days Monthly 0.30% 0.30%
12 month Monthly 0.57% 0.57%
18 month Monthly 0.57% 0.57%
2 year Monthly 0.65% 0.65%
3 year Monthly 0.65% 0.65%
4 year Monthly 0.65% 0.65%
CD Rates at Adel, GA location
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)
Monthly 0.15% 0.15%
182 days Monthly 0.30% 0.30%
12 month Monthly 0.57% 0.57%
18 month Monthly 0.57% 0.57%
2 year Monthly 0.65% 0.65%
3 year Monthly 0.65% 0.65%
4 year Monthly 0.65% 0.65%
CD Rates at Ray City, GA location
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)
Monthly 0.15% 0.15%
182 days Monthly 0.30% 0.30%
12 month Monthly 0.57% 0.57%
18 month Monthly 0.57% 0.57%
2 year Monthly 0.65% 0.65%
3 year Monthly 0.65% 0.65%
4 year Monthly 0.65% 0.65%

EvenUp Savings Rates

EvenUp Savings Rates in Florida
Average Daily BalanceDividend PostingDividend RateAnnual Percentage Yield
$5.00 – $3,000.00 Quarterly 2.50% 2.53%
$3,000.01 or above Quarterly 0.50% 0.50%
EvenUp Savings Rates in Georgia
Average Daily BalanceDividend PostingDividend RateAnnual Percentage Yield
$5.00 – $3,000.00 Quarterly 3.00% 3.04%
$3,000.01 or above Quarterly 0.50% 0.50%

iSave! Rates

iSave Rates in Florida
Average Daily BalanceDividend PostingDividend RateAnnual Percentage Yield
$5.00 – $1,000.00 Quarterly 2.00% 2.00%
$1,000.01 and above Quarterly 0.05% 0.05%
iSave Rates in Georgia
Average Daily BalanceDividend PostingDividend RateAnnual Percentage Yield
$5.00 – $1,000.00 Quarterly 2.25% 2.26%
$1,000.01 and above Quarterly 0.05% 0.05%

Holiday Club Rates

Holiday Club Rates in Florida
Average Daily BalanceDividend PostingDividend RateAnnual Percentage Yield
$5.00 Quarterly 0.05% 0.05%
Holiday Club Rates in Georgia
Average Daily BalanceDividend PostingDividend RateAnnual Percentage Yield
$5.00 Quarterly 0.30% 0.30%

IRA Rates

Dividends are posted monthly for all IRA accounts.

IRA Rates
  Traditional IRARoth IRAEducation IRA
Average Daily BalanceDividend RateAPYDividend RateAPYDividend RateAPY
$50.00 – $9,999.99 0.050% 0.050% 0.050% 0.050% 0.050% 0.050%
$10,000.00 – $24,999.99 0.100% 0.100% 0.100% 0.100% 0.100% 0.100%
$25,000.00 – $49,999.99 0.150% 0.150%; 0.150% 0.150% 0.150% 0.150%
$50,000.00 – $99,999.99 0.200% 0.200% 0.200% 0.200% 0.200% 0.200%
$100,000.00 – $249,999.99 0.250% 0.250% 0.250% 0.250% 0.250% 0.250%
$250,000.00 – $499,999.99 0.300% 0.300% 0.300% 0.300% 0.300% 0.300%
$500,000.00 and above 0.350% 0.350% 0.350% 0.350% 0.350% 0.350%

Loan Rates

First Commerce offers competitive rates and flexible terms for car loans, RV and boat loans, mortgages, home equity loans and lines of credit, land loans, personal loans, and credit cards. Click here for credit card rates.

New Auto Loan Rates

New Auto Loan Rates
TermAnnual Percentage RatePayment per $1,000 borrowed
48 months or less 2.69% 13.99% $22.00 $27.34
60 months 2.94%  14.99% $17.95 $23.80
66 months 3.19%  15.74% $16.55 $22.75
72-75 months (minimum $15,000) 
For qualified borrowers
3.49%  10.49% $15.42 $18.79
84 months (minimum $25,000)
For qualified borrowers
4.74%  11.49% $14.02 $17.39

Used Auto Loan Rates

Used Auto Loan Rates
TermAnnual Percentage RatePayment per $1,000 borrowed
48 months or less (minimum $2,500) 2.89%  14.99% $22.09 $27.84
60 months 3.04%  16.99% $17.99 $24.87
66 months 3.44%  17.24% $16.66 $23.57
72 months (minimum $15,000) 3.89%  10.49% $15.60 $18.79
84 months (minimum $25,000) 
For qualified borrowers. 
5.19%  8.29%  $14.23 $15.75

Home Equity Loan Rates

Home Equity Loan Rates
TermAmount BorrowedAnnual Percentage RateMonthly Payment per $1,000 Borrowed
5 years or less Up to 100% of market value

4.24% – 11.49%  

$18.53 – $22.00
5-10 years Up to 100% of market value 5.24% – 12.24%   $10.73 – $14.50
10-15 years Up to 95% of market value 5.74% – 12.24%  $8.31 - $12.17
15-20 years* Up to 95% of market value 6.74% – 12.24% $7.61 – $11.19
30 years* Up to 80% of market value 7.74% – 9.24%   $7.17 – $8.23

*Minimum loan of $40,000 20 years; $75,000 for 30-year terms. Your rate will be determined after credit review, term selection and final total Loan-to-value

Home Equity Line of Credit Rates

Rate fluctuates quarterly based on Wall Street Journal Prime rate plus a margin ranging from -0.25% to +1.0% with a floor of 4.50%.

Home Equity Line of Credit Rates
TermAmountAnnual Percentage RateOther Rate Information
Up to 20 years $10,000 – $500,000
(up to 90% of market value)
As low as 4.50% 2% annual cap 6% lifetime cap 4.50% minimum/18% maximum

APR=Annual Percentage Rate

RV, Boat and Motorcycle Loan Rates

RV, Boat and Motorcycle Loan Rates
TermAnnual Percentage RatePayment per $1,000 Borrowed
Up to 4 years 4.54% – 16.99% $22.83 – $28.87
6 years ($15k+) 4.74% – 17.24% $15.99 – $22.40
10 years ($25k+)  6.04% – 16.24% $11.13 – $16.92
15 years ($40k+) 7.24 14.24% $9.13 $13.49

Revolving Line of Credit Rates

Revolving Line of Credit Rates
LimitsAnnual Percentage RatePayment per $500 Borrowed

$500 - $40,000

10.74% - 17.74%

$15.00*

Signature Loan Rates

Signature Loan Rates
TermAnnual Percentage RatePayment per $1,000 Borrowed
Up to 3 years 9.74% – 14.24%

$32.16 – $34.31

*All rates are subject to change.