First Commerce rates: up to 4.00% APY
credit union · NCUA CHARTER 68301 · www.firstcommercecu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| EvenUp Savings | $5.00 – $3,000.00 | 2.53% | APY | 2026-11-01 | since 2026-11-01 | |
| EvenUp Savings | $3,000.01 or above | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | Balances up to $2,499.99 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | Up to $2,500 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $5.00 – $2,499.99 | 0.12% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $2,500 – $4,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $2,500.00 – $9,999.99 | 0.18% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $2,500.01 - $5,000 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $5,000 – $14,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $5,000.01 - $10,000 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $10,000.00 – $24,999.99 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $10,000.01 - $25,000 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $15,000 – $24,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $25,000.00 – $49,999.99 | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $25,000 and above | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $25,000.01 and above | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $50,000.00 and above | 0.60% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 91 days (not offered on IRAs) | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6 months | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 months | 2.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 13-Month CD | 13 months (Triple Option CD Special) | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 months | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 2 years | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 3 years | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 4 years | 3.10% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Momentum Money Market | Up to $9,999.99 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Momentum Money Market | $10,000.00 - $24,999.99 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Momentum Money Market | $25,000.00 - $49,999.99 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Momentum Money Market | $50,000.00 - $99,999.99 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Momentum Money Market | $100,000.00 - $249,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Momentum Money Market | $250,000.00 - $499,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Momentum Money Market | $500,000.00 and above | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | Up to $9,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000.00 – $24,999.99 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000.00 – $49,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000.00 – $99,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000.00 – $249,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $250,000.00 – $499,999.99 | 1.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $500,000.00 and above | 1.10% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.firstcommercecu.org/rates/ | 2026-11-01 21:33 UTC | ok | 83e05f92b61b |
| www.firstcommercecu.org/personal/invest-and-insure/cds/ | 2026-11-01 22:23 UTC | ok | 66b895b7f238 |
| www.firstcommercecu.org/taxes/ | — | extract-failed |