Deposit and Loan Rates

Rates are accurate as of October 31, 2025 and are subject to change without notice. For more information on fees and terms, please see individual account and product pages or contact a Member Services Representative at 850.488.0035 or 1.800.533.5772.

Rates for ZIP: — Change

Deposit Account Rates

First Commerce offers competitive rates for checking accounts, savings accounts, CDs, IRAs, and money market accounts. We also provide 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.

Power Checking
Average Daily BalanceDividend RateAnnual Percentage Yield
Up to $2,5000.00%0.00%
$2,500.01 - $5,0000.05%0.05%
$5,000.01 - $10,0000.10%0.10%
$10,000.01 - $25,0000.15%0.15%
$25,000.01 and above0.20%0.20%
Average Daily BalanceDividend Rate/APY
Balances up to $2,499.990.00%
$2,500 – $4,999.990.05%
$5,000 – $14,999.990.10%
$15,000 – $24,999.990.15%
$25,000 and above0.05%
New Auto Loans
TermAnnual Percentage RatePayment Per $1,000 Borrowed
48 months or less6.24% – 17.99%$23.60 – $29.37
60 months6.49% – 17.99%$19.56 – $25.39
66 months6.74% – 17.99%$18.17 – $23.97
72–75 months (minimum $15,000) For qualified borrowers6.99% – 13.49%$16.50 – $20.33
84 months (minimum $25,000) For qualified borrowers7.49% – 14.24%$15.33 – $18.87
TermAnnual Percentage RatePayment Per $1,000 Borrowed
48 months or less5.24% – 17.49%$23.60 – $29.37
60 months5.99% – 17.49%$19.56 – $25.39
66 months6.24% – 17.49%$18.17 – $23.97
72–75 months (minimum $15,000) For qualified borrowers5.49% – 17.49%$16.50 – $20.33
84 months (minimum $25,000) For qualified borrowers6.99% – 17.49%$15.33 – $18.87
EvenUp Savings
Average Daily Balance Prospective Dividend Rate* APY
$5.00 – $3,000.002.50%2.53%
$3,000.01 or above0.25%0.25%

*All dividends are posted quarterly.

Average Daily BalanceProspective Dividend Rate/APY*
$5.00 – $2,499.990.12%
$2,500.00 – $9,999.990.18%
$10,000.00 – $24,999.990.30%
$25,000.00 – $49,999.990.45%
$50,000.00 and above0.60%

*All dividends are posted quarterly.

Average Daily Balance Prospective Dividend Rate/APY*
$5.000.15%

*All dividends are posted quarterly.

CDs
TermDividend PostingAPY*Dividend Rate
91 days (not offered on IRAs)Monthly0.60%0.60%
182 daysMonthly1.50%1.49%
12 monthsMonthly2.70%2.67%
12 month special (current member)1,4Monthly4.10%4.025%
12 month special (new member)2,4Monthly4.00%3.93%
13 month special5,6Monthly4.25%4.17%
18 monthsMonthly2.75%2.72%
2 yearsMonthly2.90%2.86%
3 yearsMonthly3.00%2.96%
4 yearsMonthly3.10%3.06%

1 Current members (established membership prior to opening a 12-month promotional CD) receive the Current Member rate and may open up to three promotional CDs during promotional period with no cap on maximum dollar amount. 2 New members (established membership on or after 7-1-25) will receive the New Member rate and may open one promotional CD during promotional period with no cap on maximum dollar amount. 3 After CD is open 90 days, current and new members may take advantage of any or all of these features once each: a higher rate, adding funds, and a penalty-free withdrawal up to 50% of the original principal balance. Early withdrawal penalties apply to any additional withdrawals of principal. Features may be selected at the same or different times. The option for a higher rate will be based on the then-current FCCU 12-month CD rate – visit FirstCommerceCU.org for current rates. Additional funds may not exceed the original opening balance of CD. Fees could reduce earnings. 4 Annual percentage yield (APY) assumes principal and dividends remain on deposit for the 12-month term of the certificate (CD). APY is accurate as of 7-1-25. Minimum balance to open and earn dividends is $1,000. Maturing 12-month promotional CDs will not automatically renew with promotional features or rate. Offer good for initial term only and will renew as a standard 12-month CD. Offer applies for consumer, business, and IRA CDs. No monies accepted from brokers or financial institutions. FCCU reserves the right to end promotion at any time. Insured by NCUA.

5 Current and new members opening a 13-month Promotional CD will receive the promotional rate. 6 Annual percentage yield (APY) assumes principal, and dividends remain on deposit for the 13-month term of the certificate (CD). APY is accurate as of 8-19-25. Minimum balance to open and earn dividends is $1,000. Early withdrawal penalties apply. Offer good for initial term only and will renew as a standard 12-month CD. Offer applies for consumer, business, and IRA CDs. No monies accepted from brokers or financial institutions. FCCU reserves the right to end promotion at any time. Insured by NCUA.

IRAs
Traditional IRARoth IRAEducation IRA
Average Daily BalanceDividend Rate/APYDividend Rate/APYDividend Rate/APY
$50.00 – $9,999.990.10%0.10%0.10%
$10,000.00 – $24,999.990.35%0.35%0.35%
$25,000.00 – $49,999.990.50%0.50%0.50%
$50,000.00 – $99,999.990.75%0.75%0.75%
$100,000.00 – $249,999.991.00%1.00%1.00%
$250,000.00 – $499,999.991.05%1.05%1.05%
$500,000.00 and above1.09%1.09%1.09%

Dividends are posted monthly for all IRA accounts.

Money Market Account
Average Daily BalanceDividend Rate­¹APYPower Checking Dividend Rate¹’­²Power Checking APY
Up to $9,999.990.10%0.10%0.15%0.15%
$10,000.00 – $24,999.990.35%0.35%0.40%0.40%
$25,000.00 – $49,999.990.50%0.50%0.55%0.55%
$50,000.00 – $99,999.990.75%0.75%0.80%0.80%
$100,000.00 – $249,999.991.00%1.00%1.05%1.05%
$250,000.00 – $499,999.991.05%1.05%1.09%1.10%
$500,000.00 and above1.09%1.10%1.14%1.15%

¹A $10 monthly fee will be assessed on balances below $2,500. ²Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly.

Average Daily BalanceDividend Rate³APY³
Up to $9,999.995.00%5.08%
$10,000.00 - $24,999.993.00%3.84%
$25,000.00 - $49,999.992.00%2.92%
$50,000.00 - $99,999.991.50%2.21%
$100,000.00 - $249,999.991.00%1.49%
$250,000.00 - $499,999.990.75%1.12%
$500,000.00 and above0.75%1.12%

Members dividends will be calculated as 5.00% for balances between $.01 & $9,999.99, 3.00% for balances between $10,000 and $24,999.99, 2.00% for balances between $25,000 and $49,999.99, 1.50% for balances between $50,000 and $99,999.99, 1.00% for balances between $100,000 and $249,999.99, and .75% for balances $250,000 or more.³APY = Annual Percentage Yield. 5% APY applied to balances up to $9,999.99 only. APY accurate as of 2/29/2024. Minimum opening deposit for Power Move Money Market Account is $2500. Minimum opening deposit for Power Checking is $25. Power Move Money Markey accounts must also have an active Power Checking account. Power Move Money Market accounts have a required sweep feature that is linked to the Power Checking account. If the balance in the Power Checking account on any business day is over $20,000.00, the amount exceeding $20,000 will be automatically swept from the Power Checking account to the Power Move Money Market account. If the balance in the Power Checking account on any business day is under $20,000, the amount of the shortage will be automatically swept from the Power Move Money Market account to the Power Checking account. Members who elect to open a Power Move Money Market account are limited to one Money Market account. Visit www.firstcommercecu.org/powermove for more information. Insured by NCUA.

Rates are accurate as of and are subject to change without notice.

Rates for ZIP: — Change

Deposit Account Rates

First Commerce offers competitive rates for checking accounts, savings accounts, CDs, IRAs, and money market accounts. We also provide 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.

Average Daily Balance
Up to $2,500
Dividend Rate
0.00%
Annual Percentage Yield
0.00%
Average Daily Balance
$2,500.01 - $5,000
Dividend Rate
0.05%
Annual Percentage Yield
0.05%
Average Daily Balance
$5,000.01 - $10,000
Dividend Rate
0.10%
Annual Percentage Yield
0.10%
Average Daily Balance
$10,000.01 - $25,000
Dividend Rate
0.15%
Annual Percentage Yield
0.15%
Average Daily Balance
$25,000.01 and above
Dividend Rate
0.20%
Annual Percentage Yield
0.20%
Average Daily Balance
Balances up to $2,499.99
Dividend Rate/APY
0.00%
Average Daily Balance
$2,500 – $4,999.99
Dividend Rate/APY
0.05%
Average Daily Balance
$5,000 – $14,999.99
Dividend Rate/APY
0.10%
Average Daily Balance
$15,000 – $24,999.99
Dividend Rate/APY
0.15%
Average Daily Balance
$25,000 and above
Dividend Rate/APY
0.05%
Term
48 months or less
Annual Percentage Rate
6.24% – 17.99%
Payment Per $1,000 Borrowed
$23.60 – $29.37
Term
60 months
Annual Percentage Rate
6.49% – 17.99%
Payment Per $1,000 Borrowed
$19.56 – $25.39
Term
66 months
Annual Percentage Rate
6.74% – 17.99%
Payment Per $1,000 Borrowed
$18.17 – $23.97
Term
72–75 months (minimum $15,000) For qualified borrowers
Annual Percentage Rate
6.99% – 13.49%
Payment Per $1,000 Borrowed
$16.50 – $20.33
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
7.49% – 14.24%
Payment Per $1,000 Borrowed
$15.33 – $18.87
Term
48 months or less
Annual Percentage Rate
5.24% – 17.49%
Payment Per $1,000 Borrowed
$23.60 – $29.37
Term
60 months
Annual Percentage Rate
5.99% – 17.49%
Payment Per $1,000 Borrowed
$19.56 – $25.39
Term
66 months
Annual Percentage Rate
6.24% – 17.49%
Payment Per $1,000 Borrowed
$18.17 – $23.97
Term
72–75 months (minimum $15,000) For qualified borrowers
Annual Percentage Rate
5.49% – 17.49%
Payment Per $1,000 Borrowed
$16.50 – $20.33
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
6.99% – 17.49%
Payment Per $1,000 Borrowed
$15.33 – $18.87
Average Daily Balance
$5.00 – $3,000.00
Prospective Dividend Rate*
2.50%
APY
2.53%
Average Daily Balance
$3,000.01 or above
Prospective Dividend Rate*
0.25%
APY
0.25%

*All dividends are posted quarterly.

Average Daily Balance
$5.00 – $2,499.99
Prospective Dividend Rate/APY*
0.12%
Average Daily Balance
$2,500.00 – $9,999.99
Prospective Dividend Rate/APY*
0.18%
Average Daily Balance
$10,000.00 – $24,999.99
Prospective Dividend Rate/APY*
0.30%
Average Daily Balance
$25,000.00 – $49,999.99
Prospective Dividend Rate/APY*
0.45%
Average Daily Balance
$50,000.00 and above
Prospective Dividend Rate/APY*
0.60%

*All dividends are posted quarterly.

Average Daily Balance
$5.00
Prospective Dividend Rate/APY*
0.15%

*All dividends are posted quarterly.

Term
91 days (not offered on IRAs)
Dividend Posting
Monthly
APY*
0.60%
Dividend Rate
0.60%
Term
182 days
Dividend Posting
Monthly
APY*
1.50%
Dividend Rate
1.49%
Term
12 months
Dividend Posting
Monthly
APY*
2.70%
Dividend Rate
2.67%
Term
12 month special (current member)1,4
Dividend Posting
Monthly
APY*
4.10%
Dividend Rate
4.025%
Term
12 month special (new member)2,4
Dividend Posting
Monthly
APY*
4.00%
Dividend Rate
3.93%
Term
13 month special5,6
Dividend Posting
Monthly
APY*
4.25%
Dividend Rate
4.17%
Term
18 months
Dividend Posting
Monthly
APY*
2.75%
Dividend Rate
2.72%
Term
2 years
Dividend Posting
Monthly
APY*
2.90%
Dividend Rate
2.86%
Term
3 years
Dividend Posting
Monthly
APY*
3.00%
Dividend Rate
2.96%
Term
4 years
Dividend Posting
Monthly
APY*
3.10%
Dividend Rate
3.06%

1 Current members (established membership prior to opening a 12-month promotional CD) receive the Current Member rate and may open up to three promotional CDs during promotional period with no cap on maximum dollar amount. 2 New members (established membership on or after 7-1-25) will receive the New Member rate and may open one promotional CD during promotional period with no cap on maximum dollar amount. 3 After CD is open 90 days, current and new members may take advantage of any or all of these features once each: a higher rate, adding funds, and a penalty-free withdrawal up to 50% of the original principal balance. Early withdrawal penalties apply to any additional withdrawals of principal. Features may be selected at the same or different times. The option for a higher rate will be based on the then-current FCCU 12-month CD rate – visit FirstCommerceCU.org for current rates. Additional funds may not exceed the original opening balance of CD. Fees could reduce earnings. 4 Annual percentage yield (APY) assumes principal and dividends remain on deposit for the 12-month term of the certificate (CD). APY is accurate as of 7-1-25. Minimum balance to open and earn dividends is $1,000. Maturing 12-month promotional CDs will not automatically renew with promotional features or rate. Offer good for initial term only and will renew as a standard 12-month CD. Offer applies for consumer, business, and IRA CDs. No monies accepted from brokers or financial institutions. FCCU reserves the right to end promotion at any time. Insured by NCUA.

5 Current and new members opening a 13-month Promotional CD will receive the promotional rate. 6 Annual percentage yield (APY) assumes principal, and dividends remain on deposit for the 13-month term of the certificate (CD). APY is accurate as of 8-19-25. Minimum balance to open and earn dividends is $1,000. Early withdrawal penalties apply. Offer good for initial term only and will renew as a standard 12-month CD. Offer applies for consumer, business, and IRA CDs. No monies accepted from brokers or financial institutions. FCCU reserves the right to end promotion at any time. Insured by NCUA.

Average Daily Balance
Traditional IRA
Dividend Rate/APY
Roth IRA
Dividend Rate/APY
Education IRA
Dividend Rate/APY
$50.00 – $9,999.99
Traditional IRA
0.10%
Roth IRA
0.10%
Education IRA
0.10%
$10,000.00 – $24,999.99
Traditional IRA
0.35%
Roth IRA
0.35%
Education IRA
0.35%
$25,000.00 – $49,999.99
Traditional IRA
0.50%
Roth IRA
0.50%
Education IRA
0.50%
$50,000.00 – $99,999.99
Traditional IRA
0.75%
Roth IRA
0.75%
Education IRA
0.75%
$100,000.00 – $249,999.99
Traditional IRA
1.00%
Roth IRA
1.00%
Education IRA
1.00%
$250,000.00 – $499,999.99
Traditional IRA
1.05%
Roth IRA
1.05%
Education IRA
1.05%
$500,000.00 and above
Traditional IRA
1.09%
Roth IRA
1.09%
Education IRA
1.09%

Dividends are posted monthly for all IRA accounts.

Average Daily Balance
Up to $9,999.99
Dividend Rate­¹
0.10%
APY
0.10%
Power Checking Dividend Rate¹’­²
0.15%
Power Checking APY
0.15%
Average Daily Balance
$10,000.00 – $24,999.99
Dividend Rate­¹
0.35%
APY
0.35%
Power Checking Dividend Rate¹’­²
0.40%
Power Checking APY
0.40%
Average Daily Balance
$25,000.00 – $49,999.99
Dividend Rate­¹
0.50%
APY
0.50%
Power Checking Dividend Rate¹’­²
0.55%
Power Checking APY
0.55%
Average Daily Balance
$50,000.00 – $99,999.99
Dividend Rate­¹
0.75%
APY
0.75%
Power Checking Dividend Rate¹’­²
0.80%
Power Checking APY
0.80%
Average Daily Balance
$100,000.00 – $249,999.99
Dividend Rate­¹
1.00%
APY
1.00%
Power Checking Dividend Rate¹’­²
1.05%
Power Checking APY
1.05%
Average Daily Balance
$250,000.00 – $499,999.99
Dividend Rate­¹
1.05%
APY
1.05%
Power Checking Dividend Rate¹’­²
1.09%
Power Checking APY
1.10%
Average Daily Balance
$500,000.00 and above
Dividend Rate­¹
1.09%
APY
1.10%
Power Checking Dividend Rate¹’­²
1.14%
Power Checking APY
1.15%

¹A $10 monthly fee will be assessed on balances below $2,500. ²Power Checking Account must have an Average Daily Balance of $2,500 or more for higher rate. Power Checking Dividend Rate and APY also apply to iEarn and iEarn 50+ accounts. All dividends are posted quarterly.

Average Daily Balance
Up to $9,999.99
Dividend Rate³
5.00%
APY³
5.08%
Average Daily Balance
$10,000.00 - $24,999.99
Dividend Rate³
3.00%
APY³
3.84%
Average Daily Balance
$25,000.00 - $49,999.99
Dividend Rate³
2.00%
APY³
2.92%
Average Daily Balance
$50,000.00 - $99,999.99
Dividend Rate³
1.50%
APY³
2.21%
Average Daily Balance
$100,000.00 - $249,999.99
Dividend Rate³
1.00%
APY³
1.49%
Average Daily Balance
$250,000.00 - $499,999.99
Dividend Rate³
0.75%
APY³
1.12%
Average Daily Balance
$500,000.00 and above
Dividend Rate³
0.75%
APY³
1.12%

Members dividends will be calculated as 5.00% for balances between $.01 & $9,999.99, 3.00% for balances between $10,000 and $24,999.99, 2.00% for balances between $25,000 and $49,999.99, 1.50% for balances between $50,000 and $99,999.99, 1.00% for balances between $100,000 and $249,999.99, and .75% for balances $250,000 or more.³APY = Annual Percentage Yield. 5% APY applied to balances up to $9,999.99 only. APY accurate as of 2/29/2024. Minimum opening deposit for Power Move Money Market Account is $2500. Minimum opening deposit for Power Checking is $25. Power Move Money Markey accounts must also have an active Power Checking account. Power Move Money Market accounts have a required sweep feature that is linked to the Power Checking account. If the balance in the Power Checking account on any business day is over $20,000.00, the amount exceeding $20,000 will be automatically swept from the Power Checking account to the Power Move Money Market account. If the balance in the Power Checking account on any business day is under $20,000, the amount of the shortage will be automatically swept from the Power Move Money Market account to the Power Checking account. Members who elect to open a Power Move Money Market account are limited to one Money Market account. Visit www.firstcommercecu.org/powermove for more information. Insured by NCUA.

Rates are accurate as of and are subject to change without notice.

Rates for ZIP: — Change

Loan Rates

Click here for credit card rates.

TermAnnual Percentage RatePayment Per $1,000 Borrowed
48 months or less6.24% – 17.99%$23.60 – $29.37
60 months6.49% – 17.99%$19.56 – $25.39
66 months6.74% – 17.99%$18.17 – $23.97
72–75 months (minimum $15,000) For qualified borrowers6.99% – 13.49%$16.50 – $20.33
84 months (minimum $25,000) For qualified borrowers7.49% – 14.24%$15.33 – $18.87
TermAnnual Percentage RatePayment Per $1,000 Borrowed
48 months or less5.24% – 17.49%$23.60 – $29.37
60 months5.99% – 17.49%$19.56 – $25.39
66 months6.24% – 17.49%$18.17 – $23.97
72–75 months (minimum $15,000) For qualified borrowers5.49% – 17.49%$16.50 – $20.33
84 months (minimum $25,000) For qualified borrowers6.99% – 17.49%$15.33 – $18.87
TermAnnual Percentage RatePayment Per $1,000 Borrowed
48 months or less6.49% – 17.99%$23.71 – $29.37
60 months6.74% – 17.99%$19.68 – $25.39
66 months6.99% – 17.99%$18.29 – $23.97
72 months (minimum $15,000)7.49% – 13.99%$17.29 – $20.60
84 months (minimum $25,000) For qualified borrowers7.99% – 11.24%$15.58 – $17.25
TermAmount BorrowedAnnual Percentage RateMonthly Payment Per $1,000 Borrowed
5 years or lessUp to 90% of market value6.24% – 11.99%$19.44 – $22.24
5–10 yearsUp to 90% of market value7.24% – 12.99%$11.73 – $14.93
10–15 yearsUp to 90% of market value7.74% – 12.99%$9.41 – $12.65
15–20 years*Up to 90% of market value8.74% – 12.99%$8.83 – $11.71
30 years*Up to 80% of market value9.74% – 10.74%$8.58 – $9.33

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

TermAmountAnnual Percentage RateOther Rate Information
Up to 20 years$10,000 – $500,000 (up to 90% of market value)As low as 7.25%2% annual cap; 6% lifetime cap; 5% minimum/18% maximum
TermAnnual Percentage RatePayment Per $1,000 Borrowed
5 years or less8.99% – 15.99%$20.76 – $24.73
5 to 10 years9.99% – 16.99%$13.22– $24.59
15 to 20 years ($40,000 minimum)10.49% – 17.99%$11.06 – $16.08
TermAnnual Percentage RatePayment Per $1,000 Borrowed
Up to 4 years7.04% – 17.99%$23.96 – $29.37
6 years ($15,000+)7.29% – 17.99%$17.19 – $22.80
10 years ($50,000+)8.99% – 17.99%$12.66 – $18.01
15 years ($75,000+)9.24% – 15.99%$10.29 – $14.68

Rates are accurate as of and are subject to change without notice.

TermAnnual Percentage Rate
$500 – $40,00012.24% – 17.99%
TermAnnual Percentage RatePayment Per $1,000 Borrowed
Up to 3 years11.24% – 17.99%$32.85 – $36.15

Term
48 months or less
Annual Percentage Rate
6.24% – 17.99%
Payment Per $1,000 Borrowed
$23.60 – $29.37
Term
60 months
Annual Percentage Rate
6.49% – 17.99%
Payment Per $1,000 Borrowed
$19.56 – $25.39
Term
66 months
Annual Percentage Rate
6.74% – 17.99%
Payment Per $1,000 Borrowed
$18.17 – $23.97
Term
72–75 months (minimum $15,000) For qualified borrowers
Annual Percentage Rate
6.99% – 13.49%
Payment Per $1,000 Borrowed
$16.50 – $20.33
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
7.49% – 14.24%
Payment Per $1,000 Borrowed
$15.33 – $18.87
Term
48 months or less
Annual Percentage Rate
5.24% – 17.49%
Payment Per $1,000 Borrowed
$23.60 – $29.37
Term
60 months
Annual Percentage Rate
5.99% – 17.49%
Payment Per $1,000 Borrowed
$19.56 – $25.39
Term
66 months
Annual Percentage Rate
6.24% – 17.49%
Payment Per $1,000 Borrowed
$18.17 – $23.97
Term
72–75 months (minimum $15,000) For qualified borrowers
Annual Percentage Rate
5.49% – 17.49%
Payment Per $1,000 Borrowed
$16.50 – $20.33
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
6.99% – 17.49%
Payment Per $1,000 Borrowed
$15.33 – $18.87

Term
48 months or less
Annual Percentage Rate
6.49% – 17.99%
Payment Per $1,000 Borrowed
$23.71 – $29.37
Term
60 months
Annual Percentage Rate
6.74% – 17.99%
Payment Per $1,000 Borrowed
$19.68 – $25.39
Term
66 months
Annual Percentage Rate
6.99% – 17.99%
Payment Per $1,000 Borrowed
$18.29 – $23.97
Term
72 months (minimum $15,000)
Annual Percentage Rate
7.49% – 13.99%
Payment Per $1,000 Borrowed
$17.29 – $20.60
Term
84 months (minimum $25,000) For qualified borrowers
Annual Percentage Rate
7.99% – 11.24%
Payment Per $1,000 Borrowed
$15.58 – $17.25

Term
5 years or less
Amount Borrowed
Up to 90% of market value
Annual Percentage Rate
6.24% – 11.99%
Monthly Payment Per $1,000 Borrowed
$19.44 – $22.24
Term
5–10 years
Amount Borrowed
Up to 90% of market value
Annual Percentage Rate
7.24% – 12.99%
Monthly Payment Per $1,000 Borrowed
$11.73 – $14.93
Term
10–15 years
Amount Borrowed
Up to 90% of market value
Annual Percentage Rate
7.74% – 12.99%
Monthly Payment Per $1,000 Borrowed
$9.41 – $12.65
Term
15–20 years*
Amount Borrowed
Up to 90% of market value
Annual Percentage Rate
8.74% – 12.99%
Monthly Payment Per $1,000 Borrowed
$8.83 – $11.71
Term
30 years*
Amount Borrowed
Up to 80% of market value
Annual Percentage Rate
9.74% – 10.74%
Monthly Payment Per $1,000 Borrowed
$8.58 – $9.33

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

Term
Up to 20 years
Amount
$10,000 – $500,000 (up to 90% of market value)
Annual Percentage Rate
As low as 7.25%
Other Rate Information
2% annual cap; 6% lifetime cap; 5% minimum/18% maximum

Term
5 years or less
Annual Percentage Rate
8.99% – 15.99%
Payment Per $1,000 Borrowed
$20.76 – $24.73
Term
5 to 10 years
Annual Percentage Rate
9.99% – 16.99%
Payment Per $1,000 Borrowed
$13.22– $24.59
Term
15 to 20 years ($40,000 minimum)
Annual Percentage Rate
10.49% – 17.99%
Payment Per $1,000 Borrowed
$11.06 – $16.08

Term
Up to 4 years
Annual Percentage Rate
7.04% – 17.99%
Payment Per $1,000 Borrowed
$23.96 – $29.37
Term
6 years ($15,000+)
Annual Percentage Rate
7.29% – 17.99%
Payment Per $1,000 Borrowed
$17.19 – $22.80
Term
10 years ($50,000+)
Annual Percentage Rate
8.99% – 17.99%
Payment Per $1,000 Borrowed
$12.66 – $18.01
Term
15 years ($75,000+)
Annual Percentage Rate
9.24% – 15.99%
Payment Per $1,000 Borrowed
$10.29 – $14.68

Rates are accurate as of and are subject to change without notice.

Term
$500 – $40,000
Annual Percentage Rate
12.24% – 17.99%

Term
Up to 3 years
Annual Percentage Rate
11.24% – 17.99%
Payment Per $1,000 Borrowed
$32.85 – $36.15

Rates are accurate as of October 31, 2025 and are subject to change without notice.

Contact Us

If you have additional questions about our savings or loan options, we are happy to help. Schedule an appointment to talk with a Financial Services Officer at any of our financial centers, send an email inquiry to FCCUMemberServices@FirstCommerceCU.org, or send a secure message through Digital Banking. We look forward to talking with you.

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