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Deposit Rates

Effective JANUARY, 03 2024

Account Type Rate APY*
President's Club 0.05% 0.05%
Business Interest Checking 0.05% 0.05%
Regular Savings 0.05% 0.05%
Christmas Savings 0.05% 0.05%
Rate Climber Money Market
$0 to $9,999.99 0.05% 0.05%
$10,000.00 to $49,999.99 0.10% 0.10%
$50,0000 and higher 0.15% 0.15%
Public Funds (All Tiers) 0.05% 0.05%

*APY = Annual Percentage Yield
Rates are subject to change without notice. Minimum Balance required to obtain APY. Fees may reduce earnings.
Minimum Balance required to open accounts.

Certificates of Deposit (Regular & IRAs)

Term Rate APY* IRA APY*
3 Month 1.00% 1.00% 1.00%
6 Month 5.15% 5.15% 5.28%
12 Month 3.00% 3.00% 3.05%
18 Month 3.50% 3.50% 3.55%
24 Month 3.35% 3.35% 3.39%
36 Month 3.25% 3.25% 3.29%
48 Month 3.00% 3.00% 3.03%
60 Month 3.00% 3.00% 3.03%

*APY = Annual Percentage Yield
$1000 minimum to open certificates of deposit/$100 for IRA's. Penalty will be imposed for early withdrawal.
For Public Fund CD rates and APY, please call (931)359-4322 or visit a First Commerce Bank branch.

Term Rate APY* IRA APY*
**9 MONTH CD SPECIAL 4.75% 4.81% 4.84%

*APY = Annual Percentage Yield
**CD Specials do not apply for public funds.