Certificates of Deposit


If you’ve been rate shopping, it’s time to check out First Commerce. Our Fall CD campaign offering 1.50%APY for a 12 month term* is the best rate in town! With as little at $1,000 and as much as $1M, you can maximize on your rate of return by adding more money to your maturing CD or switching from your current financial institution to FCCU! But hurry, this is a limited time offer!

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


  • Ideal for saving for retirement
  • Available term lengths 91 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.

TermDividend PostingAnnual Percentage YieldDividend Rate
91 days Monthly 0.25% 0.25%
182 days Monthly 0.60% 0.60%
12 month Monthly 1.50% 1.49%
2 year Monthly 1.16% 1.15%
3 year Monthly 1.41% 1.40%
4 year Monthly 1.66% 1.65%

*Kids Club/Junior CDs from $250.00 - $999.99 at 0.80% APY are not eligible for the 12 month promotional rate of 1.50% APY. 

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. *Rates subject to change without notice. Substantial penalty for early withdrawal. Speak to a Financial Services Officer for complete details.

*APY=Annual Percentage Yield. CD=Certificate of Deposit. 1.50% total APY assumes dividends remain on deposit until maturity of 12 month term. 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. Multiple CDs not permitted. Offer does not apply to brokered CDs. Rates and terms are accurate as of 8-20-17, available for a limited time and subject to change without notice. No other  promotions, iLiveFIT!, or other premiums may be applied.