Certificates of Deposit
SPECIAL OFFER: Relax and enjoy the summer while your money is hard at work earning higher returns with a great fixed CD rate. For a limited time, get 2.50% APY* on a 13-Month CD, PLUS NO PENALTY for early withdrawal. Traditional or IRA and business CDs are eligible. The minimum opening balance to get the promotional rate is just $1,000!
Lock in higher returns at a fixed rate when you commit to saving for a specific period of time with a certificate of deposit (CD)! First Commerce even gives you the flexibility to set your own term length.
Looking to invest your funds? Consult our subsidiary, Six Pillars Financial Advisors.
Traditional CDs
- Perfect for saving for a set period of time
- Available term lengths 91 days to 4 years
- Minimum required balance: $1,000
IRA CDs
- Ideal for saving for retirement
- Available term lengths 182 days to 4 years
- Minimum required balance: $1,000
Kids Club/Junior CDs
- Designed for members under age 18
- Available term lengths 91 days to 4 years
- Minimum required balance: $250*
CD Rates
Our rates are consistently ranked at the top of the market. Penalties apply for early withdrawal.
| Term | Dividend Posting | Annual Percentage Yield | Dividend Rate |
|---|---|---|---|
| 91 days (not offered on IRAs) |
Monthly | 0.25% | 0.250% |
| 182 days | Monthly | 1.25% | 1.24% |
| 12 month | Monthly | 2.25% | 2.23% |
| 13 month | Monthly | 2.50% | 2.469% |
| 18 month | Monthly | 2.30% | 2.28% |
| 2 year | Monthly | 2.40% | 2.37% |
| 3 year | Monthly | 2.70% | 2.67% |
| 4 year | Monthly | 2.75% | 2.72% |
For more information or help opening a CD, call 850.488.0035 or 1.800.533.5772 or visit any of our locations.
* APY=Annual Percentage Yield. CD=Certificate of Deposit. Early withdrawals will be subject to a substantial penalty and any fees could reduce the yield. Minimum opening balance is $1,000. Maximum of $1,000,000 for this promotion per account holder. Rates and terms are accurate as of 3/31/19, available for a limited time and subject to change without notice. No other promotions, iLiveFIT!, or other premiums may be applied.
Promo Disclosures:
* APY=Annual Percentage Yield. CD=Certificate of Deposit. 2.50% APY assumes principal and dividends remain on deposit until maturity of the 13-month term. No early withdrawal penalty will apply during original 13-month term. Please notify us within 10 days after the maturity date if you do not want your CD to automatically renew. After that time, your CD will have renewed as a 12-month CD and will be subject to a substantial penalty for early withdrawal. See account disclosures for complete details. Minimum balance required to obtain promotional APY is $1,000. Maximum of $1,000,000 for this promotion per account holder. Offer does not apply to brokered CDs. Rates and Terms are accurate as of 6-2-19, available for a limited time and subject to change without notice. No other promotions or other premiums may be applied.
