First Commerce Bank: Savings Accounts, CDs, Money Market & Rates
Mission: Banksparency aims to make First Commerce Bank's deposit accounts transparent and comparable to the market.
Analysis of First Commerce Bank
Our verdict
CD Analysis
First Commerce Bank offers CDs paying up to 3.29% APY on its 3 months term, across 8 term lengths.
Tracking 16 active CD products, useful for locking in today's rate before further moves at the Fed.
- Best CD use: locking in 3.29% APY for a 3 months term and laddering across multiple maturities.
First Commerce Bank also offers Rate Climber Money Market, a money market account paying 0.15% APY with no minimum deposit.
At 0.15% APY, First Commerce Bank pays below the national money market average of 0.63%.
Additional Accounts
- Regular Savings, a savings account at 0.05% APY.
- Christmas Savings, a club savings account at 0.05% APY.
Ideal User Profile
- Best for: simple saving without extra requirements.
Important Considerations
Deposit Accounts Overview
Christmas Savings
Regular Savings
Rate Climber Money Market
Market Reality Check
This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Bank Overview
- HQ LocationLewisburg, TN
- Deposit InsuranceFDIC Insured(Cert: 57465)
Deposit Accounts: In-Depth View
Savings Accounts Offered by First Commerce Bank
| Feature | Regular Savings | Christmas Savings |
|---|---|---|
APY | 0.05%Verified: 8/15/2026 | 0.05%Verified: 8/15/2026 |
APY Trend | N/A | N/A |
Min. Deposit | $100 | $0 |
Min. Balance | N/A | N/A |
Monthly Fee | N/A | N/A |
Direct Deposit | None | None |
Checking Bundle | No | No |
In-Branch Access | Yes | Yes |
Compounding | N/A | N/A |
FDIC Insured | Yes | Yes |
Eligibility | United States | United States |
| Next Steps | - | - |
Interactive Tool
Calculate Savings for First Commerce Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$18.60(0.1%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,018.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
First Commerce Bank Deposit Rates Over Time
No historical data available.
Compare with First Commerce Bank
| Feature | Current View First Commerce Bank | Empty Slot |
|---|---|---|
| Product | - | |
APY | 0.05%Verified: 8/15/2026 | - |
APY Trend | N/A | - |
| Min. Deposit | $100 | N/A |
| Monthly Fee | N/A | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| In-Branch Access | Yes | - |
| Eligibility | United States | - |
Compounding | N/A | - |
FDIC or NCUA Insured | Yes | - |
| Next Steps | - | - |
CD Overview
CD Products Offered by First Commerce Bank
| Feature | 3 Month IRA CD 3 months | 3 Month CD 3 months | 6 Month CD 6 months | 6 Month IRA CD 6 months | 12 Month IRA CD 12 months | 12 Month CD 12 months | 18 Month IRA CD 18 months | 18 Month CD 18 months | 24 Month CD 24 months | 24 Month IRA CD 24 months | 36 Month CD 36 months | 36 Month IRA CD 36 months | 48 Month CD 48 months | 48 Month IRA CD 48 months | 60 Month CD 60 months | 60 Month IRA CD 60 months |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
APY | 3.29%Verified: 8/15/2026 | 3.29%Verified: 8/15/2026 | 3.17%Verified: 8/15/2026 | 3.19%Verified: 8/15/2026 | 3.03%Verified: 8/15/2026 | 3.00%Verified: 8/15/2026 | 2.88%Verified: 8/15/2026 | 2.85%Verified: 8/15/2026 | 2.75%Verified: 8/15/2026 | 2.78%Verified: 8/15/2026 | 2.50%Verified: 8/15/2026 | 2.52%Verified: 8/15/2026 | 2.50%Verified: 8/15/2026 | 2.52%Verified: 8/15/2026 | 2.50%Verified: 8/15/2026 | 2.52%Verified: 8/15/2026 |
Term | 3 months | 3 months | 6 months | 6 months | 12 months | 12 months | 18 months | 18 months | 24 months | 24 months | 36 months | 36 months | 48 months | 48 months | 60 months | 60 months |
Min. Deposit | $100 | $1,000 | $1,000 | $100 | $100 | $1,000 | $100 | $1,000 | $1,000 | $100 | $1,000 | $100 | $1,000 | $100 | $1,000 | $100 |
Early Withdrawal | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
FDIC Insured | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
First Commerce Bank CD Rates Over Time
Money Market Accounts Offered by First Commerce Bank
| Feature | Rate Climber Money Market |
|---|---|
APY | 0.15%Range: 0.05% - 0.15%Verified: 8/15/2026 |
Min. Deposit | N/A |
Min. Balance | N/A |
Monthly Fee | N/A |
Direct Deposit | None |
In-Branch Access | Yes |
Compounding | N/A |
FDIC Insured | Yes |
Eligibility | United States |
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