CFCU-Logo-white-no-tag
Certificates of Deposit
 

High Yield CDs

Start 2026 strong with a guaranteed return. Kick back and watch your money grow all year with rates as high as 4.00% APY* on our 13-month CD. 

 

Apply Now!

Potted plant with dollar signs with hands holding

Relax, your money's working for you in a Community First CD.

 

 A CD allows you to grow your money automatically and securely, featuring rates as high as 4.00% APY*. Your savings are protected, giving you total peace of mind. No market worries, just guaranteed returns.

 

Start Small, Save Big
Open your CD with a minimum balance of only $500. It's an easy first step to securing a better financial future.
 
Guaranteed Growth
Forget the fluctuating stock market. Your earnings are fixed and guaranteed, so you know exactly how much you'll have on your maturity date.
 
Totally Hands-Off
Set it, forget it, and watch your balance grow. We handle the math, you enjoy the returns.
$500 Min. Deposit
3.75%
APY* for 13 months. Lock in a great, fixed rate with a low minimum deposit. It's the perfect, safe first step to growing your savings.
View Rates
Highest Return!
$45,000 Min. Deposit
4.00%
APY* for 13 months. Put a larger lump sum to work and earn the highest promotional rate we have available, guaranteed for 13 months.
View Rates

READY TO GET STARTED?

Icon of two hands shaking

BECOME A MEMBER

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

 

Apply Now!

75x75 Computer-Easy Online Application

EXISTING MEMBERS

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

 

Open an Account

Smartphone with Text Bubble with Money Symbol Icon

APPLY IN ONLINE OR MOBILE BANKING

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

 

Log Into Online Banking

1200x800- Communicate Icon

SCHEDULE AN APPOINTMENT

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

 

Schedule an Appointment

 

 

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 The difference between a CD and a savings account is that the money (the "principle" amount) you invest can't be withdrawn until the end of your term or you risk penalty fees or losing interest.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 or move the money to the Share you selected at CD opening. You can view our rates here.

Federally insured by NCUA. All new accounts and loans are subject to approval and membership eligibility required. Please visit our website at communityfirstfl.org/connect/become-a-member or call 904.354.8537 for more information on membership requirements.

 

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 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 4.00% APY rate is $45,000.00. Additional rates available. Offer may end at any time without notice. Rates accurate as of 02/02/26. Fees may reduce earnings. Restrictions apply and rates can change at any time without notice.