CD Terms Designed Around Your Goals

5-Month CD Term<sup>1,2,3</sup>

5-Month CD Term1,2,3

Lock in a 4.25% APY for 5 months and watch your savings grow. With a $1,000 minimum deposit, this limited-time offer gives you a secure way to boost your funds.

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15-Month CD Term<sup>5,6</sup>

15-Month CD Term5,6

Lock in a 4.25% APY for 15 months and watch your savings grow. With a $1,000 minimum deposit, this limited-time offer gives you a secure way to boost your funds.

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Lock In Higher Rate Now

Lock In Higher Rate Now

5- and 15-Month Terms

5- and 15-Month Terms

Secure Your Savings

Secure Your Savings

Lower Minimum Deposit

Lower Minimum Deposit

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, minus the 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 5-Month CD offers a 4.25% APY with a fixed term of 5 months.

The 15-Month CD offers a 4.25% APY with a fixed term of 15 months.

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

A minimum deposit of $1,000 is required to open both the 5-Month and 15-Month CD.

Open a 5-Month or 15-Month CD by clicking the Open a CD 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.

1 Current and new members opening a 5-month Promotional CD will receive the promotional rate. 2 Existing members can open up to two CDs, no cap on dollars; New members can open one CD, no cap on dollars 3 Annual percentage yield (APY) assumes principal, and dividends remain on deposit for the 5-month term of the certificate (CD). APY is accurate as of 03-16-26. 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 6-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 15-month Promotional CD will receive the promotional rate. 6 Annual percentage yield (APY) assumes principal, and dividends remain on deposit for the15-month term of the certificate (CD). APY is accurate as of 03-16-26. 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.