Business Certificates of Deposit (CDs)

Earn a higher rate of return for your business with a certificate of deposit from First Commerce.  With fixed rates and flexible terms, our CDs give your business a way to invest excess cash flow over a short or long period of time. Plus your money stays right here in the community! Now that’s local strong.

  • Terms from 91 days to 4 years
  • Competitive fixed rates
  • Monthly dividends
  • Minimum required balance: $1,000

CD Rates

Our rates are consistently ranked at the top of the market. Penalties apply for early withdrawal.

CD Rates at Tallahassee, FL locations
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)		 Monthly 0.05% 0.05%
182 days Monthly 0.25% 0.25%
12 month Monthly 0.57% 0.57%*
18 month Monthly 0.57% 0.57%
2 year Monthly 0.60% 0.60%
3 year Monthly 0.60% 0.60%
4 year Monthly 0.60% 0.60%
*Published rates are for members with additional products and services with FCCU beyond CDs and a savings/share account. Those members with only CDs and a share/savings account will receive a lower rate on their CDs than what is published here. For members with only CDs and a share/savings account, we would love an opportunity to share FCCU's financial solutions with you which will empower you to achieve your financial goals, and enable us to pay you the published rates on your CDs.
CD Rates at Marianna, FL location
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)		 Monthly 0.05% 0.05%
182 days Monthly 0.25% 0.25%
12 month Monthly 0.57% 0.57%*
18 month Monthly 0.57% 0.57%
2 year Monthly 0.60% 0.60%
3 year Monthly 0.60% 0.60%
4 year Monthly 0.60% 0.60%
*Published rates are for members with additional products and services with FCCU beyond CDs and a savings/share account. Those members with only CDs and a share/savings account will receive a lower rate on their CDs than what is published here. For members with only CDs and a share/savings account, we would love an opportunity to share FCCU's financial solutions with you which will empower you to achieve your financial goals, and enable us to pay you the published rates on your CDs.
CD Rates at Thomasville, GA location
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)		 Monthly 0.15% 0.15%
182 days Monthly 0.30% 0.30%
12 month Monthly 0.57% 0.57%
18 month Monthly 0.57% 0.57%
2 year Monthly 0.65% 0.65%
3 year Monthly 0.65% 0.65%
4 year Monthly 0.65% 0.65%
CD Rates at Valdosta, GA locations
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)		 Monthly 0.15% 0.15%
182 days Monthly 0.30% 0.30%
12 month Monthly 0.57% 0.57%
18 month Monthly 0.57% 0.57%
2 year Monthly 0.65% 0.65%
3 year Monthly 0.65% 0.65%
4 year Monthly 0.65% 0.65%
CD Rates at Nashville, GA location
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)		 Monthly 0.15% 0.15%
182 days Monthly 0.30% 0.30%
12 month Monthly 0.57% 0.57%
18 month Monthly 0.57% 0.57%
2 year Monthly 0.65% 0.65%
3 year Monthly 0.65% 0.65%
4 year Monthly 0.65% 0.65%
CD Rates at Adel, GA location
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)		 Monthly 0.15% 0.15%
182 days Monthly 0.30% 0.30%
12 month Monthly 0.57% 0.57%
18 month Monthly 0.57% 0.57%
2 year Monthly 0.65% 0.65%
3 year Monthly 0.65% 0.65%
4 year Monthly 0.65% 0.65%
CD Rates at Ray City, GA location
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)		 Monthly 0.15% 0.15%
182 days Monthly 0.30% 0.30%
12 month Monthly 0.57% 0.57%
18 month Monthly 0.57% 0.57%
2 year Monthly 0.65% 0.65%
3 year Monthly 0.65% 0.65%
4 year Monthly 0.65% 0.65%

For more information, contact our Business Services Team or visit one 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.