Business Deposit & Loan Rates

First Commerce says yes to helping local businesses thrive by offering competitive rates on all of the accounts and loans your business needs. We know strong local businesses are the foundation for a strong community, and we’re proud to be your financial partner.

Business Deposit Rates

First Commerce offers competitive rates for business checking accounts, savings accounts, certificates of deposit, and money market accounts. We have IRAs for business owners and employees, too! Plus, we keep your money right here in the community. Now that’s local strong!

Community Interest Checking

Average Daily BalanceDividend RateAnnual Percentage Yield
Balances up to $2,499.99 0.00% 0.00%
$2,500 – $4,999.99 0.10% 0.10%
$5,000 – $14,999.99 0.15% 0.15%
$15,000 – $24,999 0.25% 0.25%
$25,000 and up 0.05% 0.05%

CD Rates

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

TermDividend PostingAnnual Percentage YieldDividend Rate
91 days Monthly 0.25% 0.25%
182 days Monthly 0.60% 0.60%
12 month Monthly 1.50% 1.49%
2 year Monthly 1.16% 1.15%
3 year Monthly 1.41% 1.40%
4 year Monthly 1.66% 1.65%

*Kids Club/Junior CDs from $250.00 - $999.99 at 0.80% APY are not eligible for the 12 month promotional rate of 1.50% APY. 

IRA Rates

Dividends are posted monthly for all IRA accounts.

 Traditional IRARoth IRAEducation IRA
Average Daily BalanceDividend RateAPYDividend RateAPYDividend RateAPY
$50.00 – $9,999.99 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%
$10,000.00 – $24,999.99 0.10% 0.10% 0.10% 0.10% 0.05% 0.05%
$25,000.00 – $49,999.99 0.15% 0.15%; 0.15% 0.15% 0.05% 0.05%
$50,000.00 – $99,999.99 0.25% 0.25% 0.25% 0.25% 0.05% 0.05%
$100,000.00 – $249,999.99 0.30% 0.30% 0.30% 0.30% 0.05% 0.05%
$250,000.00 – $499,999.99 0.35% 0.35% 0.35% 0.35% 0.05% 0.05%
$500,000.00 and above 0.40% 0.40% 0.40% 0.40% 0.05% 0.05%

Business Loan Rates

First Commerce offers competitive rates, flexible terms, and local decisions on loans for your business. With business real estate loans, vehicle or equipment loans, lines of credit and credit cards, we believe in the power of keeping money in our community. We believe in the power of saying yes to local businesses!

For a loan with a rate and term customized to meet your needs, contact our Business Services Team at 850.410.3559 or 1.800.533.5772.