Certificates of Deposit

Lock in higher returns at a fixed rate when you commit to saving for a specific period of time with a certificate of deposit (CD)! First Commerce even gives you the flexibility to set your own term length.

Looking to invest your funds? Consult our subsidiary, Six Pillars Financial Advisors.

Traditional CDs

  • Perfect for saving for a set period of time
  • Available term lengths 91 days to 4 years
  • Minimum required balance: $1,000


  • Ideal for saving for retirement
  • Available term lengths 182 days to 4 years
  • Minimum required balance: $1,000

Kids Club/Junior CDs

  • Designed for members under age 18
  • Available term lengths 91 days to 4 years
  • Minimum required balance: $250*

CD Rates

Our rates are consistently ranked at the top of the market. Penalties apply for early withdrawal.

CD Rates
TermDividend PostingAnnual Percentage YieldDividend Rate
91 days
(not offered on IRAs)
Monthly 0.25% 0.250%
182 days Monthly 1.25% 1.24%
12 month Monthly 2.25% 2.23%
18 month Monthly 2.30% 2.28%
2 year Monthly 2.40% 2.37%
3 year Monthly 2.70% 2.67%
4 year Monthly 2.75% 2.72%

For more information or help opening a CD, call 850.488.0035 or 1.800.533.5772 or visit any of our locations.

* APY=Annual Percentage Yield. CD=Certificate of Deposit. Early withdrawals will be subject to a substantial penalty and any fees could reduce the yield. Minimum opening balance is $1,000. Maximum of $1,000,000 for this promotion per account holder. Rates and terms are accurate as of 3/31/19, available for a limited time and subject to change without notice. No other promotions, iLiveFIT!, or other premiums may be applied.