Tis the Season
for Big Savings!
Get into the holiday spirit with our Limited-Time 13-Month CD Special
Don’t Miss Out on These Exclusive Holiday Rates
13-Month Term
Earn a 4.00% APY* for 13 months and grow your savings securely. With a $1,000 minimum deposit, this offer is perfect for planning ahead. Offer valid from December 15th through 19th only.
Lock In Higher Rate Now
Short 13-Month Term
Lower Minimum Deposit
Friendly Local Service
Compare CD Rates
1 Current and new members opening a 5- or 13-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 term of the certificate (CD). APY is accurate as of 12-12-25. Minimum balance to open and earn dividends is $1,000. Early withdrawal penalties apply. Offer good for initial term only and the 5-month will renew as a standard 6-month CD; the 13-month will renew as a standard 12-month. 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.
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 12-12-25. 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 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.
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 12-12-25. 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 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.
Rates are accurate as of December 18, 2025 and are subject to change without notice.
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.
