We've got a CD that's right for you
Elevate Your Savings with Our 13-month CD
Get in the game and supercharge your savings with this exciting CD offer! Current and new members can open a 13-month CD at 4.25% APY5,6. Lock in this tough-to-beat rate for a limited time! Enjoy this safe and secure way to boost your savings with a fixed rate and term.
- Offer applies to current AND new members
- 13-month term
- Minimum $1,000 deposit
- NCUA Insured
Special Triple Option CD Offer
Looking for flexibility? Enjoy a great rate on a 12-month CD for current members at 4.10% APY1,4. This limited-time CD promotion also offers options for early withdrawal, the ability to add more funds later and an opportunity to bump your rate. Members can use any, or all, of these options one time after the promotional CD has been open 90 days. The CD promotion also offers new members a fantastic rate of 4.00% APY2,4.
- 4.10% APY for current members
- 4.00% APY for new members
- Triple-option eligible after 90 days
- NCUA Insured
Savings Security With Higher Yield
Certificates of Deposit (CDs) are like high-yield savings accounts. Lock in higher returns at a fixed rate when you commit to saving for a specific period of time with a CD! First Commerce also gives you the flexibility to set your own term length. Ready to learn more?
Enjoy the Benefits of First Commerce CDs
Competitive Rates
Various Term Lengths
CDs for All Ages
Ability to Monitor in Digital Banking
Explore Our CD Options
Traditional CDs
Lock in at a competitive rate for a fixed period of time and watch your savings grow.
- Terms – 91 days to 4 years
- Minimum Deposit – $1,000
Kids Club/Junior CDs
Children under 18 can get a jump on saving for their future with a special Kids Club/Junior CD offer just for them. Great gift for birthdays, graduations, or other life celebrations.
- Terms – 91 days to 4 years
- Minimum Deposit – $250
- Any requirements? – Must be under age 18
IRA CDs
Save for retirement with a tax-deferred retirement account that allows individuals to set aside money each year.
- Terms – 182 days to 4 years
- Minimum Deposit – $1,000
Traditional CDs
Lock in at a competitive rate for a fixed period of time and watch your savings grow.
- Terms – 91 days to 4 years
- Minimum Deposit – $1,000
IRA CDs
Save for retirement with a tax-deferred retirement account that allows individuals to set aside money each year.
- Terms – 182 days to 4 years
- Minimum Deposit – $1,000
Kids Club/Junior CDs
Children under 18 can get a jump on saving for their future with a special Kids Club/Junior CD offer just for them. Great gift for birthdays, graduations, or other life celebrations.
- Terms – 91 days to 4 years
- Minimum Deposit – $250
- Any requirements? – Must be under age 18
Compare CD Rates
1 Current members (established membership prior to opening a 12-month promotional CD) receive the Current Member rate and may open up to three promotional CDs during promotional period with no cap on maximum dollar amount. 2 New members (established membership on or after 7-1-25) will receive the New Member rate and may open one promotional 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 12-month term of the certificate (CD). APY is accurate as of 7-1-25. Minimum balance to open and earn dividends is $1,000. Maturing 12-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. 5 Current and new members opening a 13-month Promotional CD will receive the promotional rate. 6 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 8-19-25. 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 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.
Open a First Commerce CD Today
To open a CD, call 850.488.0035 or 1.800.533.5772, or visit a financial center.
Discover More Savings Possibilities
Savings Accounts
If you’re looking for more flexibility with your savings, we offer traditional savings accounts too.
Six Pillars Financial Advisors
Schedule time with Six Pillars Financial Advisors, a subsidiary of First Commerce, for free comprehensive financial planning to help you pursue your financial goals.
Build Financial Wellness
The FCCU Foundation offers free online financial education modules to help you build your own road map to financial wellness.
Savings Accounts
If you’re looking for more flexibility with your savings, we offer traditional savings accounts too.
Six Pillars Financial Advisors
Schedule time with Six Pillars Financial Advisors, a subsidiary of First Commerce, for free comprehensive financial planning to help you pursue your financial goals.
Build Financial Wellness
The FCCU Foundation offers free online financial education modules to help you build your own road map to financial wellness.
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.
APR = Annual Percentage Rate; APY = Annual Percentage Yield
Six Pillars Financial Advisors products and services are not federally insured; are not obligations of or guaranteed by First Commerce Credit Union; involve investment risk; and may be offered by a dual employee who accepts deposits on behalf of First Commerce Credit Union and also sells non-deposit investment products on behalf of Six Pillars Financial Advisors.
