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In order to get started, select an account that works for you.

Power +Cover Me Checking

Introducing Power+CoverMe Checking – the ultimate financial safety net for your account. For just $3.99 per month, Power+CoverMe Checking provides enhanced overdraft protection, offering up to an additional $100 cushion to cover unexpected expenses. With this added flexibility, you can avoid costly fees and enjoy greater peace of mind, potentially saving you hundreds of dollars. Secure your financial freedom with Power+CoverMe Checking Account today.

Courtesy Pay/ Overdraft tolerances ranging from $100-$1,000
A low, flat Courtesy Pay fee of $10 each
No non-sufficient funds (NSF) fees

EvenUp Savings

Make saving money automatic with an EvenUp Savings Account from First Commerce! When you use your First Commerce debit card, we’ll round up the amount you spend to the next whole dollar and transfer the difference automatically into your EvenUp Savings Account

Minimum deposit amount – $5
No monthly fees
Earn interest on the money you’ve saved
Make deposits and withdrawals
Protect your checking account from overdrafts

Power Checking

This is no ordinary checking account. In fact, it’s loaded with features such as Early Payday, no overdraft fees, a $50 overdraft cushion, powerful mobile banking, and an automatic savings option. Plus, it pays interest on your account balance. The best part – it’s all free.

Early Payday
Earns interest
No Monthly fees
No Transaction fees
Minimum opening deposit – $25
e-Statements

Power Move Money Market

This unique Money Market Sweep account is linked to Power Checking and offers a highly competitive rate structure with a “sweep” transfer feature. The sweep transfer automatically moves funds between your checking and money market accounts to maximize savings.

Higher interest rates, offering rates up to 5% APY
More flexibility to access your funds when you need them vs. long-term investments or CDs
Added safety and stability, as these accounts are not subject to stock market volatility and federally insured up to $250,000

Money Market

A Money Market Account is a great way to watch your money grow, yet you can easily access your money if needed. This account pays interest based on current market rates, and the higher your balance, the more you earn!

Dividends compounded and paid monthly
Minimum opening deposit $2,500
Transfer funds to FCCU accounts
Free check writing, up to 3 per Month
No fees on balances of $2,500+

Main Share - Savings

Your First Commerce membership starts with $5 to open savings deposit representing your equal share of ownership in the credit union. You can open multiple accounts for your specific savings goals.

Minimum deposit amount – $5
Monthly cost – No monthly fees
Earns Interest

Special Savings

Enjoy more ways to reach your goals with a range of deposit accounts, automated transfer tools, retirement solutions and more.

Minimum deposit amount – $5
Monthly fees – No monthly fees
Insured by NCUA

Rosey's Holiday Club

Open a First Commerce Holiday Club Savings Account and take the financial stress out of the holiday season when you regularly save for holiday gifts and travel.

Minimum deposit amount – $5
No monthly fees
Earn dividends every quarter
Funds are automatically transferred to your FCCU savings or checking account each November 1

Consumer Certificate of Deposit

Certificates of Deposit (CDs) are like high-yield savings accounts. Lock in higher returns at a fixed rate when you commit to saving for a specific period of time with a CD! First Commerce also gives you the flexibility to set your own term length.

Competitive Rates
Various Term Lengths - 91 Days to 4 Years
Minimum Deposit - $1000
NCUA Insured

Summer Camp Savings March

Turn today’s savings into tomorrow’s adventures! With the power to earn higher interest rates, the Summer Camp Savings Club is your ticket to an unforgettable summer. Start planning, start saving, and let the memories begin—join the club today!"

2.5% dividends on balances up to $3000.00
0.25% on amounts above $3000
Funds are automatically transferred to your FCCU savings or checking account on March 1st or June 1st

Summer Camp Savings June

2.5% dividends on balances up to $3000.00
0.25% on amounts above $3000
Funds are automatically transferred to your FCCU savings or checking account on March 1st or June 1st