Business Certificates of Deposit (CDs)

SPECIAL OFFER: Relax and enjoy the summer while your money is hard at work earning higher returns with a great fixed CD rate. For a limited time, get 2.50% APY* on a 13-Month CD, PLUS NO PENALTY for early withdrawal. Traditional or IRA and business CDs are eligible. The minimum opening balance to get the promotional rate is just $1,000!

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
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)
Monthly 0.25% 0.250%
182 days Monthly 1.25% 1.24%
12 month Monthly 2.25% 2.23%
13 month Monthly 2.50% 2.469%
18 month Monthly 2.30% 2.28%
2 year Monthly 2.40% 2.37%
3 year Monthly 2.70% 2.67%
4 year Monthly 2.75% 2.72%

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

Promo Disclosures:
* APY=Annual Percentage Yield. CD=Certificate of Deposit. 2.50% APY assumes principal and dividends remain on deposit until maturity of the 13-month term. No early withdrawal penalty will apply during original 13-month term. Please notify us within 10 days after the maturity date if you do not want your CD to automatically renew. After that time, your CD will have renewed as a 12-month CD and will be subject to a substantial penalty for early withdrawal. See account disclosures for complete details. Minimum balance required to obtain promotional APY is $1,000. Maximum of $1,000,000 for this promotion per account holder. Offer does not apply to brokered CDs. Rates and Terms are accurate as of 6-2-19, available for a limited time and subject to change without notice. No other promotions or other premiums may be applied.