Florida CD rates › Credit unions › First Commerce
Credit union · HQ Tallahassee, FL
✓ Verified 2026-10-01 from their own posted rate sheet
First Commerce currently posts 9 CD rates from 0.60% to 4.25% APY. Their sheet states an effective date of APY is accurate as of 6-1-26.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 3 mo | 0.60% | — | 91 days (not offered on IRAs) |
| 6 mo | 1.50% | — | |
| 1 yr | 2.70% | — | |
| 18 mo | 2.75% | — | |
| 2 yr | 2.90% | — | |
| 3 yr | 3.00% | — | |
| 4 yr | 3.10% | — |
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 13 mo | 4.25% promo | $1k | Triple Option CD Special — Promotional 13-month Triple Option CD; a second ZIP-dependent rate table prints 4.25% APY |
| 13 mo | 4.00% promo | $1k | Triple Option CD Special — Promotional 13-month Triple Option CD; renews as standard 12-month CD; one of two rate tables shown (ZIP-dependent) prints 4.00% APY |
Anyone can join by making a $15 contribution to the FCCU Foundation; otherwise open to people living or working in 22 North Florida and 18 South Georgia counties, listed employer groups, and immediate family of members. Counties: Baker, Bay, Calhoun, Columbia, Dixie, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Liberty, Madison, Suwannee, Taylor, Wakulla, Walton, Washington. Family of existing members can generally join too.
8 branches in 3 counties: Bay (Panama City) · Jackson (Marianna) · Leon (Tallahassee)
Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions