One Red-Hot Offer,
3 Ways to Win
The Triple Option CD lets you withdraw penalty-free, add money, and bump your rate
Savings With Higher Yield
Certificates of Deposit (CDs) are like high-yield savings accounts. Lock in higher returns at a fixed rate when you commit to saving for a specific period of time with a CD! First Commerce also gives you the flexibility to set your own term length. Ready to learn more?
Enjoy the Benefits of First Commerce CDs
Competitive Rates
Various Term Lengths
CDs for All Ages
Ability to Monitor in Digital Banking
Explore Our CD Options
Traditional CDs
Lock in at a competitive rate for a fixed period of time and watch your savings grow.
- Terms – 91 days to 4 years
- Minimum Deposit – $1,000
Kids Club/Junior CDs
Children under 18 can get a jump on saving for their future with a special Kids Club/Junior CD offer just for them. Great gift for birthdays, graduations, or other life celebrations.
- Terms – 91 days to 4 years
- Minimum Deposit – $250
- Any requirements? – Must be under age 18
IRA CDs
Save for retirement with a tax-deferred retirement account that allows individuals to set aside money each year.
- Terms – 182 days to 4 years
- Minimum Deposit – $1,000
Traditional CDs
Lock in at a competitive rate for a fixed period of time and watch your savings grow.
- Terms – 91 days to 4 years
- Minimum Deposit – $1,000
IRA CDs
Save for retirement with a tax-deferred retirement account that allows individuals to set aside money each year.
- Terms – 182 days to 4 years
- Minimum Deposit – $1,000
Kids Club/Junior CDs
Children under 18 can get a jump on saving for their future with a special Kids Club/Junior CD offer just for them. Great gift for birthdays, graduations, or other life celebrations.
- Terms – 91 days to 4 years
- Minimum Deposit – $250
- Any requirements? – Must be under age 18
Compare CD Rates
*APY=Annual Percentage Yield. CD=Certificate of Deposit. Rates subject to change without notice. Early withdrawals will be subject to a substantial penalty and any fees could reduce the yield. Speak to a Financial Services Officer for complete details. Insured by NCUA. 1 Current members (established membership prior to June 1, 2026) may open up to three Triple Option CDs during promotional period with no cap on maximum dollar amount. 2 New members (established membership on or after June 1, 2026) may open one Triple Option 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 13-month term of the certificate (CD). APY is accurate as of 6-1-26. Minimum balance to open and earn dividends is $1,000. Maturing 13-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.
*APY=Annual Percentage Yield. CD=Certificate of Deposit. Rates subject to change without notice. Early withdrawals will be subject to a substantial penalty and any fees could reduce the yield. Speak to a Financial Services Officer for complete details. Insured by NCUA.1 Current members (established membership prior to June 1, 2026) may open up to three Triple Option CDs during promotional period with no cap on maximum dollar amount. 2 New members (established membership on or after June 1, 2026) may open one Triple Option 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 13-month term of the certificate (CD). APY is accurate as of 6-1-26. Minimum balance to open and earn dividends is $1,000. Maturing 13-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.
*APY=Annual Percentage Yield. CD=Certificate of Deposit. Rates subject to change without notice. Early withdrawals will be subject to a substantial penalty and any fees could reduce the yield. Speak to a Financial Services Officer for complete details. Insured by NCUA.1 Current members (established membership prior to June 1, 2026) may open up to three Triple Option CDs during promotional period with no cap on maximum dollar amount. 2 New members (established membership on or after June 1, 2026) may open one Triple Option 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 13-month term of the certificate (CD). APY is accurate as of 6-1-26. Minimum balance to open and earn dividends is $1,000. Maturing 13-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.
Open a First Commerce CD Today
To open a CD, call 850.488.0035 or 1.800.533.5772, or visit a financial center.
Discover More Savings Possibilities
Savings Accounts
If you’re looking for more flexibility with your savings, we offer traditional savings accounts too.
Six Pillars Financial Advisors
Schedule time with Six Pillars Financial Advisors, a subsidiary of First Commerce, for free comprehensive financial planning to help you pursue your financial goals.
Build Financial Wellness
The FCCU Foundation offers free online financial education modules to help you build your own road map to financial wellness.
Savings Accounts
If you’re looking for more flexibility with your savings, we offer traditional savings accounts too.
Six Pillars Financial Advisors
Schedule time with Six Pillars Financial Advisors, a subsidiary of First Commerce, for free comprehensive financial planning to help you pursue your financial goals.
Build Financial Wellness
The FCCU Foundation offers free online financial education modules to help you build your own road map to financial wellness.
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.
