Lock In A Winning Rate Today
Elevate Your Savings with Our special 13-month CD
Get in the game and supercharge your savings with this exciting CD offer! Open a 13-month CD at 4.25% APY5,6. Lock in this tough-to-beat rate for a limited time! Enjoy this safe and secure way to boost your savings with a fixed rate and term.
- Offer applies to current AND new members
- 13-month term
- Minimum $1,000 deposit
- NCUA Insured
Lock In Higher Rate Now
Short 13-Month Term
Lower Minimum Deposit
Friendly Local Service
Compare CD Rates
1 Current members (established membership prior to opening a 12-month promotional CD) receive the Current Member rate and may open up to three promotional CDs during promotional period with no cap on maximum dollar amount. 2 New members (established membership on or after 7-1-25) will receive the New Member rate and may open one promotional CD during promotional period with no cap on maximum dollar amount. 3 After CD is open 90 days, current and new members may take advantage of any or all of these features once each: a higher rate, adding funds, and a penalty-free withdrawal up to 50% of the original principal balance. Early withdrawal penalties apply to any additional withdrawals of principal. Features may be selected at the same or different times. The option for a higher rate will be based on the then-current FCCU 12-month CD rate – visit FirstCommerceCU.org for current rates. Additional funds may not exceed the original opening balance of CD. Fees could reduce earnings. 4 Annual percentage yield (APY) assumes principal and dividends remain on deposit for the 12-month term of the certificate (CD). APY is accurate as of 7-1-25. Minimum balance to open and earn dividends is $1,000. Maturing 12-month promotional CDs will not automatically renew with promotional features or rate. Offer good for initial term only and will renew as a standard 12-month CD. Offer applies for consumer, business, and IRA CDs. No monies accepted from brokers or financial institutions. FCCU reserves the right to end promotion at any time. Insured by NCUA. 5 Current and new members opening a 13-month Promotional CD will receive the promotional rate. 6 Annual percentage yield (APY) assumes principal, and dividends remain on deposit for the 13-month term of the certificate (CD). APY is accurate as of 8-19-25. Minimum balance to open and earn dividends is $1,000. Early withdrawal penalties apply. Offer good for initial term only and will renew as a standard 12-month CD. Offer applies for consumer, business, and IRA CDs. No monies accepted from brokers or financial institutions. FCCU reserves the right to end promotion at any time. Insured by NCUA.
Rates are accurate as of September 11, 2025 and are subject to change without notice.
Your Financial Partner for Life
Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 85 years of financial expertise.
Frequently Asked Questions
The 13-Month CD offers a 4.25% APY5,6 with a fixed term of 13 months.
This offer is available to both new and existing members.
A minimum deposit of $1,000 is required to open the 13-Month CD.
Open a 13-month CD by clicking the Apply Here button at the top of this page.
APR = Annual Percentage Rate; APY = Annual Percentage Yield
Six Pillars Financial Advisors products and services are not federally insured; are not obligations of or guaranteed by First Commerce Credit Union; involve investment risk; and may be offered by a dual employee who accepts deposits on behalf of First Commerce Credit Union and also sells non-deposit investment products on behalf of Six Pillars Financial Advisors.
