First Commerce Bank (NJ)

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.firstcommercebk.com

732-364-0032

105 River Avenue
Lakewood, NJ 08701

First Commerce Bank (NJ) is headquartered in LAKEWOOD and is the 19^th largest bank in the state of New Jersey. It is also the 713^th largest bank in the nation. It was established in 2006 and as of March of 2025, it had grown to 158 employees at 10 locations. First Commerce Bank (NJ)'s CD rates are 4X the national average, and it has a B health rating.

Reviews (2)

Write a Review

Very Good Friendly Bank

Posted by: gvpatel | Jan 9, 2025

Great NJ bank, Great customer service. Five Star friendly staff whenever you need help, they help always us.

First Commerce Bank is a full-service commercial bank that believes in the power of business to help neighborhoods and people prosper. Their role is to foster financial advancement and business growth, resulting in a solid job market and a strong economic foundation for the community. They prioritize the banking needs of small to medium-sized businesses, professional organizations and individuals throughout New Jersey and part of New York, providing the drive, dynamism and connective energy to make a positive impact.

Comment

You CAN NOT Open CD Account On Line

Posted by: yahooeu | Sep 7, 2024

You CAN NOT open CD account on line

Comment

Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	58054
Year Established	2006
Employees	158
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.44%
Return on Equity - YTD	4.12%
Annual Interest Income	$20.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.58B$1.45B
Loans	Q1 2025vs Q1 2024	$1.24B$1.23B
Deposits	Q1 2025vs Q1 2024	$1.21B$1.12B
Equity Capital	Q1 2025vs Q1 2024	$167.2MM$172.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$14.8MM$14.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$37.9MM$18.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not First Commerce Bank (NJ); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Commerce Bank (NJ) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$0	-	Relationship Savings
3.75%	$0	-	Business Relationship Savings
0.35%	$100	-	Holiday Club Account
0.35%	$0	-	Premier Savings
0.10%	$0	-	Minor Savings Account
0.10%	$0	-	Business Statement Savings
0.10%	$0	-	Statement Savings
0.10%	$0	-	Tenant Escrow

First Commerce Bank (NJ) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%	$0	-	Business Relationship Money Market
3.50%	$0	-	Consumer Relationship Money Market
2.75%^*	$50k^*	-	Business Premier Money Market
OTHER TIERS: 1.75% → $0 - $50k
1.50%^*	$50k^*	-	Premier Money Market
OTHER TIERS: 1.25% → $0 - $50k
0.30%^*	$100k^*	-	Money Market
OTHER TIERS: 0.25% → $0 - $100k

First Commerce Bank (NJ) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	$0	$100k	Ultimate Rewards Checking
OTHER TIERS: 0.50% → $100k+
2.73%	$0	-	IOLTA Checking Account
0.30%	$0	-	50+ Checking
0.30%	$0	-	Business Premier Interest
0.25%	$0	-	Non-Profit Checking
0.25%	$0	-	Premier Interest Checking
0.25%	$0	-	Interest Checking
0.10%	$0	-	Attorney/ Client Sub Checking

First Commerce Bank (NJ) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.35%	$1k	-	7 Month CD - Online Only
4.35%	$1k	$250k	Business 7 Month CD - Online Only
4.25%	$1k	-	11 Month CD Special
4.25%	$1k	-	Business 11 Month CD Special
4.00%	$1k	-	1 Month CD
4.00%	$1k	-	3 Month CD
4.00%	$1k	-	Business 1 Month CD
4.00%	$1k	-	Business 3 Month CD
4.00%	$1k	-	12 Month CD - Online Only
4.00%	$1k	-	Business 12 Month CD - Online Only
3.87%	$1k	-	6 Month CD
3.87%	$1k	-	9 Month CD
3.87%	$1k	-	Business 6 Month CD
3.87%	$1k	-	Business 9 Month CD
3.87%	$1k	-	5 Month CD
3.87%	$1k	-	6 Month CD - Online Only
3.87%	$1k	-	7 Month CD
3.87%	$1k	-	Business 6 Month CD - Online Only
3.87%	$1k	-	Business 5 Month CD
3.87%	$1k	-	Business 7 Month CD
3.75%	$1k	-	12 Month CD
3.75%	$1k	-	15 Month CD
3.75%	$1k	-	18 Month CD
3.75%	$1k	-	Business 12 Month CD
3.75%	$1k	-	Business 15 Month CD
3.75%	$1k	-	Business 18 Month CD
3.75%	$1k	-	10 Month CD
3.75%	$1k	-	14 Month CD
3.75%	$1k	-	17 Month CD
3.75%	$1k	-	Business 10 Month CD
3.75%	$1k	-	Business 14 Month CD
3.75%	$1k	-	Business 17 Month CD
3.50%	$1k	-	24 Month CD
3.50%	$1k	-	Business 24 Month CD
3.50%	$1k	-	24 Month CD - Online Only
3.50%	$1k	-	19 Month CD
3.50%	$1k	-	20 Month CD
3.50%	$1k	-	23 Month CD
3.50%	$1k	-	Business 24 Month CD - Online Only
3.50%	$1k	-	Business 19 Month CD
3.50%	$1k	-	Business 20 Month CD
3.50%	$1k	-	Business 23 Month CD
3.25%	$1k	-	27 Month CD
3.25%	$1k	-	29 Month CD
3.25%	$1k	-	30 Month CD
3.25%	$1k	-	Business 27 Month CD
3.25%	$1k	-	Business 29 Month CD
3.25%	$1k	-	Business 30 Month CD
3.00%	$1k	-	36 Month CD
3.00%	$1k	-	48 Month CD
3.00%	$1k	-	60 Month CD
3.00%	$1k	-	Business 36 Month CD
3.00%	$1k	-	Business 48 Month CD
3.00%	$1k	-	Business 60 Month CD

First Commerce Bank (NJ) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.90%	$1k	-	12 Month IRA
3.90%	$1k	-	17 Month IRA
3.90%	$1k	-	Business 12 Month IRA
3.90%	$1k	-	Business 17 Month IRA
3.85%	$1k	-	9 Month IRA
3.85%	$1k	-	Business 9 Month IRA
3.75%	$1k	-	18 Month IRA
3.75%	$1k	-	Business 18 Month IRA
3.25%	$1k	-	24 Month IRA
3.25%	$1k	-	19 Month IRA
3.25%	$1k	-	20 Month IRA
3.25%	$1k	-	23 Month IRA
3.25%	$1k	-	30 Month IRA
3.25%	$1k	-	Business 19 Month IRA
3.25%	$1k	-	Business 20 Month IRA
3.25%	$1k	-	Business 23 Month IRA
3.25%	$1k	-	Business 24 Month IRA
3.25%	$1k	-	Business 30 Month IRA
3.00%	$1k	-	36 Month IRA
3.00%	$1k	-	48 Month IRA
3.00%	$1k	-	60 Month IRA
3.00%	$1k	-	Business 36 Month IRA
3.00%	$1k	-	Business 48 Month IRA
3.00%	$1k	-	Business 60 Month IRA
0.35%^*	$100k^*	-	IRA Express
OTHER TIERS: 0.30% → $0 - $100k

Locations

Cities: Allentown, Bordentown, Closter, Englewood, Fairfield, Freehold, Lakewood, Montvale, Robbinsville, Teaneck

Allentown Branches
Allentown Branch	40 North Main Street	Allentown, NJ 08501

Bordentown Branches
Bordentown Branch	789 Farnsworth Avenue	Bordentown, NJ 08505

Closter Branches
Closter Branch	530 Piermont Road	Closter, NJ 07624

Englewood Branches
Englewood Branch	44 Engle Street	Englewood, NJ 07631

Fairfield Branches
Fairfield Branch	280 Passaic Avenue	Fairfield, NJ 07004

Freehold Branches
Freehold Branch Office	118 Schanck Road	Freehold, NJ 07728

Lakewood Branches
First Commerce Bank	105 River Ave	Lakewood, NJ 08701

Montvale Branches
Montvale Branch Office	101 Chestnut Ridge Road	Montvale, NJ 07645

Robbinsville Branches
Robbinsville Branch Office	11 Hankins Road	Robbinsville, NJ 08691

Teaneck Branches
Teaneck Branch	1008 Teaneck Road	Teaneck, NJ 07666

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