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Certificates of Deposit

High Yield CDs

Open an account today and earn more with flexible terms to fit your goals. Build your savings with CD rates starting at 5.01% APY.*

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Featured rates

7-Month Term
5.01% APY*
Save more and keep your money flexible with a 7-month CD.
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13-Month Term
5.02% APY**
Lock in a higher rate for long term earnings with a 13-month CD.
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Earn More on your terms

Get competitive rates starting at 5.01% APY with our high-yield Certificate of Deposit (CD) special. Whether you're looking to keep your money flexible or guarantee higher earnings for longer, we have rates and terms that fit your needs. Start in minutes and achieve your financial goals faster.

  • Easy to Start: Earn high rates with just a $500 minimum balance.
  • Flexible Term: Choose between a 7-month or 13-month CD depending on your needs.
  • Competitive Rates: Earn more towards your goals with our promotional high-yield CD.
  • Hands off: You earn interest automatically so you don't need to worry about managing your high-yield CD.
7 and 13 Month CD Table

READY TO GET STARTED?

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Become a member

Not a member? Become a member of Community First so you can start earning more.

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Existing Members

Already a member? Click below to open a new high-yield CD account and start saving more.

Open an Account
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Apply in Online or Mobile Banking

Log into Online Banking > Open & Apply > Open a New Account > Open Additional Account 

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Schedule an appointment

Not ready right now? No worries! Schedule an in-person or over-the-phone appointment.

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FREQUENTLY ASKED QUESTIONS

What is a Certificate of Deposit (CD)?

A Certificate of Deposit (CD) is a type of investment that earns interest in a lump sum over a set period of time (the "term" of the CD). They generally offer higher interest rates than savings accounts and help you earn more. The difference between a CD and a savings account is that the money (the "principle" amount) you invest can't be withdrawn until the end of your term or you risk penalty fees or losing interest.

What does APY mean?

APY stands for Annual Percentage Yield. APY is how much you earn on your deposit over the course of a year.

Does Community First Offer Other CD rates and terms?

Yes we do! You can find that information on our CD Rates Page.

What happens when my CD matures?

We will send you a letter before your CD is set to mature. You will have the option to automatically roll over your CD into a new, standard 12-month CD at the same rate tier or move the money to the Share you selected at CD opening. You can view our rates here.

Federally insured by NCUA. Membership is open to anyone who lives, works, or attends school in one of the following counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia. Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to Select Employer Groups, including all employees of Brooks Rehabilitation and Web.com. An initial deposit of $5 to be held in your Community First Share account is required for membership

Product offers, rates, terms and other information provided herein are subject to change without notice. Due to occasional inaccessibility to our website which may be beyond our control, Community First Credit Union cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you on our calculators is estimated and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate. To verify current offers and rates, please call (904) 354-8537 or (800) 342-8416.

*Rate listed applies to 7-month term. APY= Annual Percentage Yield. Interest compounded monthly. Subject to early withdrawal fees equivalent to 180 days of interest earned. The required minimum opening deposit for 5.01% APY rate is $500.00. Offer may end at any time without notice. Rates accurate as of 5/15/24. Fees may reduce earnings. Restrictions apply and rates can change at any time without notice.

**Rate listed applies to 13-month term. APY= Annual Percentage Yield. Interest compounded monthly. Subject to early withdrawal fees equivalent to 180 days of interest earned. The required minimum opening deposit for 5.02% APY rate is $500.00 Offer may end at any time without notice. Rates accurate as of 5/15/24. Fees may reduce earnings. Restrictions apply and rates can change at any time without notice.