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 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 9-22-25. 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.
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.
