Saving Accounts & Certificates of Deposit
With First Commerce by your side, you have the power to build a stronger financial future! From learning to save at an early age to helping you enjoy retirement and everything life brings in between, we offer savings and deposit accounts with competitive rates. You can even open multiple accounts for specifics savings goals. Plus, we give you free online and mobile banking options to make managing your savings accounts easy. Learn how to reach your financial goals with free financial education from the FCCU Foundation and our partner EverFi!
| Regular Savings Account | EvenUp Savings Account | Rosey's Holiday Club Savings Account | Sammy Squirrel Kids' Club Savings Account |
|---|---|---|---|
| For any type of savings goal |
Makes saving automatic |
Save for the holiday season |
Especially for children 12 & under |
| $5 minimum deposit |
Your nightly transfers are all you need |
$5 minimum opening deposit, plus regular deposits |
$5 minimum deposit |
| No monthly fees |
No monthly fees |
No monthly fees |
No monthly fees |
| Higher balance = higher dividends |
Tiered dividends – earn super high rates on the first $3,000 |
Steady dividends |
Higher balance = higher dividends |
| Required to be a member – but make regular deposits to build a cushion you can use as overdraft protection |
Rounds up debit card expenses from your First Commerce checking account & transfers the difference nightly | Helps you set funds aside for holiday travel & gifts. Funds are automatically transferred to your Savings account each Nov. 1 |
Required for members 12 and under. Special perks for saving, good grades & birthdays |
High-Yield Deposit Accounts
| Certificates of Deposit | Money Market Accounts | Traditional & Roth IRAs | Coverdell Education Savings Accounts (Education IRA) |
|---|---|---|---|
| Save for a set period of time | Earn higher rates with greater flexibility | Save for your retirement | Save for your child's education expenses |
| Lock in higher rates | Tiered dividends | Tiered dividends or lock in your rate with an IRA CD | Steady dividends |
| Flexible terms from 90 days to 4 years | Check writing privileges | Choose the option that's best for you | For qualified expenses up through college |
