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The First National Bank of Commerce
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Deposit Rates

Discover more about ACCOUNT Interest Rates


* Member FDIC * Rates and APY effective and accurate as of September 25, 2024

Deposit Accounts


Account Type Minimum Deposit Interest Rate APY
High-Yield Savings $3,000 1.85%
1.86%
 Savings* $25 .55% .55%
Christmas Club* $5 3.75% 3.80%
* Penalty for early withdrawal may be imposed.
* APY means Annual Percentage Yield
* Fees may reduce earnings
* Rates are variable and may change after account is opened

Certificate of Deposit


Account Type Minimum Deposit Interest Rate APY
3 month CD $1,000
3.50% 3.55%
6 month CD* $1,000
3.55%
3.60%
10 month CD $1,000
3.45% 3.49%
12 month CD* $1,000 3.60% 3.65%
18 month CD* $500
3.65% 3.70%
24 month CD* $500
3.70%
3.75%
30 month CD* $500
3.75% 3.80%
36 month CD* $500
3.80% 3.85%




See Officer $250,000.01 --
--
* Interest may be compounded quarterly
* Monthly check only if over $50.00
* APY means Annual Percentage Yield
* No monthly compounding on any CD
* A penalty will or may be imposed for early withdrawal.

Retirement Accounts


Account Type Minimum Deposit Interest Rate APY
IRA (Traditional-Variable)* $100 3.65% 3.70% 
IRA (Roth-Variable)* $100 
3.65% 
3.70% 
IRA (Educational-Variable)* $100 
3.65% 
3.70% 
IRA (Guaranteed-Fixed)* $500 3.55% 
3.60% 





* Interest compounded monthly
* APY means Annual Percentage Yield
* A penalty will or may be imposed for early withdrawal.
* Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.

CDARS


Account Type Minimum Deposit Interest Rate APY
3 month (13 wk)*
$250,000.01 
3.60% 3.65%
6 month (26 wk)*
$250,000.01 
3.65%
3.70%
1 year (52 wk)*
$250,000.01 
3.70% 3.75%
2 year (104 wk)*
$250,000.01 
3.80% 3.85%
3 year (156 wk)* $250,000.01 
3.75% 3.80%




* APY means Annual Percentage Yield.
* Fees could reduce earnings on an account.
* A penalty will or may be imposed for early withdrawal.
* Deposit Account and Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.