First Commerce Credit Union Gives You the Options...

…Use them all or customize! When you have the ability to withdraw early without a penalty, add money to your CD, and lock in a higher rate, you gain flexibility while still growing your savings. That’s all in addition to a highly competitive rate of 4.00% APY for 13 months. It’s easy to get started with the Triple Option CD’s $1,000 minimum deposit.

Choose the Flexibility You Need

Withdraw Funds <sup>1,2</sup>

Withdraw Funds 1,2

Withdraw up to 50% of your original principal balance without an early withdrawal penalty.

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Increase Your Rate<sup>3,4</sup>

Increase Your Rate3,4

Take advantage of rising rates and make your money work harder for you.

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Add Money to Your CD<sup>3,4</sup>

Add Money to Your CD3,4

Make a one-time additional deposit and earn more on a larger balance.

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Competitive Promotional Rate

Competitive Promotional Rate

13-Month Term

13-Month Term

Safe, Reliable Returns

Safe, Reliable Returns

Lower Minimum Deposit

Lower Minimum Deposit

Protect what you’ve earned

You’ve worked hard to build your savings, now it’s time to protect it. Enjoy financial stability with a CD designed to safeguard your future.

 

Plan ahead

Moving closer to retirement? A CD can help you bridge toward your goals with a strong return, minus the long commitment.

 

A Smart Step to Grow Your Money

If you’re approaching your financial journey with a growth mindset, a CD is a safe, easy step into saving and investing, with reliable returns.

Frequently Asked Questions

First Commerce Credit Union’s Triple Option CD promotion features a rate of 4.00% APY and a 13-month term.

Current and new members are eligible to open a Triple Option CD. Current members may open up to three Triple Option CDs during the promotional period.

New members (members on or after June 1, 2026) may open one Triple Option CD during the promotional period.

A minimum deposit of $1,000 is required to open both the Triple Option CD.

The Triple Option CD gives you the option to make a penalty-free withdrawal of up to 50% of the original principal balance, adding funds, or getting a higher rate. After the CD is open 90 days, these actions can be taken by current and new members only once each.

Open a Triple Option CD by clicking the Open Now button at the top of this page.

Reach Your Savings Goals

At First Commerce Credit Union, we’re committed to providing solutions that support your financial journey. The Triple Option CD offers a unique combination of growth, flexibility, and peace of mind.

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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 85 years of financial expertise.

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.