EmPOWER your savings with our limited-time CD offer!

Don’t miss this limited-time offer to choose your CD term of 5-months or 15-months with a fantastic rate! Current members will receive a 5.25% APY*, and new members will receive a generous rate of 5.00% APY*. Minimum balance to open and earn dividends is $1,000. Early withdrawal penalties apply. See complete terms and conditions below**.

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

Term
91 days (not offered on IRAs)
Dividend Posting
Monthly
APY*
0.60%
Dividend Rate
0.60%
Term
Special 5 Month- Current Member**
Dividend Posting
Monthly
APY*
5.25%
Dividend Rate
5.13%
Term
Special 5 Month- New Member**
Dividend Posting
Monthly
APY*
5.00%
Dividend Rate
4.89%
Term
182 days
Dividend Posting
Monthly
APY*
1.50%
Dividend Rate
1.49%
Term
12 months
Dividend Posting
Monthly
APY*
2.70%
Dividend Rate
2.67%
Term
Special 15 Month- Current Member**
Dividend Posting
Monthly
APY*
5.25%
Dividend Rate
5.13%
Term
Special 15 Month- New Member**
Dividend Posting
Monthly
APY*
5.00%
Dividend Rate
4.89%
Term
18 months
Dividend Posting
Monthly
APY*
2.75%
Dividend Rate
2.72%
Term
2 years
Dividend Posting
Monthly
APY*
2.90%
Dividend Rate
2.86%
Term
3 years
Dividend Posting
Monthly
APY*
3.00%
Dividend Rate
2.96%
Term
4 years
Dividend Posting
Monthly
APY*
3.10%
Dividend Rate
3.06%

*APY=Annual Percentage Yield. CD=Certificate of Deposit. Penalties apply for early withdrawal and any fees could reduce the yield. Minimum opening balance is $1,000.
**Current members who established membership prior to opening a 5- month or 15-month Promotional CD will receive the current member rate and may open two CDs. New members will receive the new member rate and may open one CD during the promotional period. Annual percentage yield (APY) assumes principal and dividends remain on deposit for the 5-month or 15-month term of the certificate (CD). APY is accurate as of 03-04-2024. 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 if member selects 5-month promotional CD or a 12-month CD if member selects 15-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 and are subject to change without notice.

*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.

**Current members who established membership prior to opening a 5- month or 15-month Promotional CD will receive the current member rate and may open two CDs. New members will receive the new member rate and may open one CD during the promotional period. Annual percentage yield (APY) assumes principal and dividends remain on deposit for the 5-month or 15-month term of the certificate (CD). APY is accurate as of 03-04-2024. 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 if member selects 5-month promotional CD or a 12-month CD if member selects 15-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

Savings Accounts

If you’re looking for more flexibility with your savings, we offer traditional savings accounts too.

Six Pillars Financial Advisors

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

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

Savings Accounts

If you’re looking for more flexibility with your savings, we offer traditional savings accounts too.

Six Pillars Financial Advisors

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

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

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 80 years of financial expertise.

* 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.