Lock In Your EXCLUSIVE Bay County Rate!

Elevate Your Savings with Our Special 13-month CD

Elevate Your Savings with Our Special 13-month CD

We are celebrating the opening of our new Panama City financial center, our first in Bay County, and we want to show our appreciation to all our new neighbors!Get in the game with this outstanding limited-time offer when you open a 13-month CD at 4.50% APY1,2.CDs are a safe and secure way to make your money work for you with a fixed rate and term – no matter what stage you’re in on your financial journey.

  • 13-month term
  • Minimum $1,000 deposit
  • NCUA Insured

Apply Here

Lock In Higher Rate Now

Short 13-Month Term

Lower Minimum Deposit

Friendly Local Service

Protect what you’ve earned

You’ve worked hard to build your savings—now it’s time to protect it. Enjoy financial stability with a CD designed to safeguard your future.

 

Plan ahead

Moving closer to retirement? A CD can help you bridge toward your goals with a strong return—without a long commitment.

 

A Smart Step to Grow Your Money

If you’re approaching your financial journey with a growth mindset, a CD is a safe, easy step into saving and investing, with reliable returns.

Frequently Asked Questions

The 13-Month CD offers a 4.50% APY1,2 with a fixed term of 13 months.

This offer only available to residents of Bay County, Florida.

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.

Your Financial Partner for Life

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.

Offer only available to residents of Bay County, Florida. APY = Annual Percentage Yield. 1 Current and new members opening a 13-month Promotional CD will receive the promotional rate. 2 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 9-5-25. 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.