The Power to Grow Your Business

With fixed rates and flexible terms, our certificates of deposit give you the power to build your business by investing excess cash flow over a short or long period of time. Plus, your money stays right here in the community!


Our Rates Are Consistently Ranked Top of Market!

Flexible Terms

Competitive Fixed Rates

Monthly Dividends

Federally Insured


Explore Our Business CDs

Business CDs Requirements

For more information, contact our Business Services Team or visit one of our locations.

Requirements
TermsFlexible terms from 91 days to 4 years
Minimum Deposit $1,000
Minimum Required Balance$1,000
Features/benefitsFixed rate; open multiple CDs with varying terms
Requirements
Terms
Flexible terms from 91 days to 4 years
Requirements
Minimum Deposit
$1,000
Requirements
Minimum Required Balance
$1,000
Requirements
Features/benefits
Fixed rate; open multiple CDs with varying terms

Business CD Rates

See why our rates are consistently ranked at the top of the market!

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 March 19, 2024 and are subject to change without notice.

Member Testimonial

“I always feel welcomed, wanted, and heard. The tellers are friendly but professional, and they work expediently without making me feel rushed. When they recommend different banking services, it always feels like a recommendation from a friend rather than a sales pitch.”

Member Testimonial

Open Your Business CD

For more information, contact our Business Services Team or visit one of our locations.

Business Resources

Six Pillars Financial Advisors

Six Pillars Financial Advisors

Speak with experienced financial advisors to develop and implement a plan to pursue your financial goals for your business.

Business Money Market Accounts

Business Money Market Accounts

Our Money Market Account allows your business to take advantage of higher interest rates and access funds when you need them for expenses or growth opportunities.

Digital & Mobile Banking

Digital & Mobile Banking

Keep your business running smoothly with flexible, convenient online and mobile banking services at your fingertips.

Six Pillars Financial Advisors

Six Pillars Financial Advisors

Speak with experienced financial advisors to develop and implement a plan to pursue your financial goals for your business.

Business Money Market Accounts

Business Money Market Accounts

Our Money Market Account allows your business to take advantage of higher interest rates and access funds when you need them for expenses or growth opportunities.

Digital & Mobile Banking

Digital & Mobile Banking

Keep your business running smoothly with flexible, convenient online and mobile banking services at your fingertips.

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 offering competitive loans to help you build your business, cash management services so you can focus on your customers, or best-in-class digital banking solutions to help you manage cash flow when it’s convenient for you. When you bank with First Commerce, you get a truly personal experience backed by 80 years of financial expertise.