The Power to Grow Your Business
With fixed rates and flexible terms, our certificates of deposit give you the power to build your business by investing excess cash flow over a short or long period of time. Plus, your money stays right here in the community!
Our Rates Are Consistently Ranked Top of Market!
Flexible Terms
Competitive Fixed Rates
Monthly Dividends
Federally Insured
Explore Our Business CDs
Business CDs Requirements
For more information, contact our Business Services Team or visit one of our locations.
| Requirements | |
|---|---|
| Terms | Flexible terms from 91 days to 4 years |
| Minimum Deposit | $1,000 |
| Minimum Required Balance | $1,000 |
| Features/benefits | Fixed rate; open multiple CDs with varying terms |
Business CD Rates
See why our rates are consistently ranked at the top of the market!
*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.
Rates are accurate as of June 16, 2026 and are subject to change without notice.
Member Testimonial
“I always feel welcomed, wanted, and heard. The tellers are friendly but professional, and they work expediently without making me feel rushed. When they recommend different banking services, it always feels like a recommendation from a friend rather than a sales pitch.”
Open Your Business CD
For more information, contact our Business Services Team or visit one of our locations.
Business Resources
Six Pillars Financial Advisors
Speak with experienced financial advisors to develop and implement a plan to pursue your financial goals for your business.
Business Money Market Accounts
Our Money Market Account allows your business to take advantage of higher interest rates and access funds when you need them for expenses or growth opportunities.
Digital & Mobile Banking
Keep your business running smoothly with flexible, convenient online and mobile banking services at your fingertips.
Six Pillars Financial Advisors
Speak with experienced financial advisors to develop and implement a plan to pursue your financial goals for your business.
Business Money Market Accounts
Our Money Market Account allows your business to take advantage of higher interest rates and access funds when you need them for expenses or growth opportunities.
Digital & Mobile Banking
Keep your business running smoothly with flexible, convenient online and mobile banking services at your fingertips.
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 offering competitive loans to help you build your business, cash management services so you can focus on your customers, or best-in-class digital banking solutions to help you manage cash flow when it’s convenient for you. When you bank with First Commerce, you get a truly personal experience backed by 85 years of financial expertise.
