Let's get going!

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

Power Checking

This is no ordinary account. In fact, it’s loaded with features, such as Early Payday, No Overdraft Fees, a $50 CoverMe 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

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

Power +Cover Me Checking

Add CoverMe to your Power Checking account for greater financial flexibility, more overdraft protection, and peace of mind. For just $3.99/month, you’ll get more CoverMe cushion (up to $100), which could potentially save you hundreds of dollars.

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

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+

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 that automatically moves funds between your checking and money market accounts to maximize savings.

Higher Interest Rates This account offers rates as high as 5% APY.
Liquidity Get more flexibility to access your funds when you need them vs. long-term investments or CDs.
Safety and Stability Not subject to stock market volatility and federally insured up to $250,000.

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

Evenup Savings

Make saving money automatic with an EvenUp Savings Account from First Commerce! We’re committed to making it easy for you to save money and reach your financial goals.
When you use your Power Checking, Power Checking + CoverMe, or SmartStart Checking 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
Monthly fees – No monthly fees
Features/benefits: When you use your Power Checking, Power Checking + CoverMe, or SmartStart Checking 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 Earn interest on the money you’ve saved Make deposits and withdrawals Protect your checking account from overdrafts
Earns interest

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
Monthly fees – No monthly fees
Features/benefits 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