--- title: Limited Time Offer! Open a 13-Month CD today! description: Now offering CD rates as high as 4.15% APY*! Open a new Community First CD. Open an account today and earn more! --- ![CFCU-Logo-white-no-tag](https://info.communityfirstfl.org/hs-fs/hubfs/CFCU-Logo-white-no-tag.png?width=165&height=71&name=CFCU-Logo-white-no-tag.png) [Contact us 904-204-5435](tel:9042045435) [![Community First](https://info.communityfirstfl.org/hs-fs/hubfs/CFCU_Logo_Global_Header_Hub2025.png?width=753&height=375&name=CFCU_Logo_Global_Header_Hub2025.png "Community First")](https://www.communityfirstfl.org/) [Contact us 904-204-5435](tel:9042045435) # **earn up to** # **4.15%** APY\* With a Community First 13‑Month CD, enjoy steady, predictable growth and the confidence of a fixed rate.   [![Apply Now](https://no-cache.hubspot.com/cta/default/2674865/interactive-218200057185.png)](https://info.communityfirstfl.org/hs/cta/wi/redirect?encryptedPayload=AVxigLJzzfZ2gfy54iV9AulBd02dsjxt5gcdLhyR8A04z8p8c9cklbaiCCyScYCn2JUysgPQfXaqMHsfq4BnhuKw0uz2FKBLGobVKGDfs2CEkdKAZumm3FpE5SBWg20obn5vQ3%2BnQ76wLk5yXOoz%2Bk0GgPayej5BUAgH3f6TOaJNJgFuqbvg9plGv3NMJtw0oK8tHurGjY2o9nTFZ%2FfprNndjtdYAcNr7F2fEUXK%2Fp2wb7swdAdfB1Lgf7Vo8xBUkqUv5iW1&webInteractiveContentId=218200057185&portalId=2674865) # **earn up to** # **4.15%** APY\* With a Community First 13‑Month CD, enjoy steady, predictable growth and the confidence of a fixed rate.   [![Apply Now](https://no-cache.hubspot.com/cta/default/2674865/interactive-218200057185.png)](https://info.communityfirstfl.org/hs/cta/wi/redirect?encryptedPayload=AVxigLJzzfZ2gfy54iV9AulBd02dsjxt5gcdLhyR8A04z8p8c9cklbaiCCyScYCn2JUysgPQfXaqMHsfq4BnhuKw0uz2FKBLGobVKGDfs2CEkdKAZumm3FpE5SBWg20obn5vQ3%2BnQ76wLk5yXOoz%2Bk0GgPayej5BUAgH3f6TOaJNJgFuqbvg9plGv3NMJtw0oK8tHurGjY2o9nTFZ%2FfprNndjtdYAcNr7F2fEUXK%2Fp2wb7swdAdfB1Lgf7Vo8xBUkqUv5iW1&webInteractiveContentId=218200057185&portalId=2674865) ## a sMART move for what's next   Whether you're looking for our highest promotional rate or a shorter term with more flexibility, Community First CDs make it easy to put your savings to work. With competitive fixed rates and terms that fit your goals, you'll know exactly what your money will earn. **One Smart Move Today** Open with as little as $500 and start earning more on your savings. **Guaranteed Growth** Your earnings are fixed and guaranteed, so you'll know exactly what to expect when your CD matures. **Options That Fit Your Goals** Choose the term and deposit amount that make the most sense for you.   ![Waves\_Grey Bottom Right 600x200](https://info.communityfirstfl.org/hubfs/Waves/Waves_Grey%20Bottom%20Right%20600x200.png) ## 13-MONTH CD RATES | **Min. Deposit** | **APY\*** | | --- | --- | | $500 | 4.05% | | $100,000 | 4.10% | | $250,000 + | 4.15% | --- Highest Return! $250,000 Min. Deposit 4.15% 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](https://www.communityfirstfl.org/resources/rates/cd-rates) Low Minimum $500 Min. Deposit 4.05% 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](https://www.communityfirstfl.org/resources/rates/cd-rates) More Flexibility $500 Min. Deposit 4.00% APY\*\* for 8 months. Earn a competitive rate while keeping your savings plans flexible with a shorter term. [View Rates](https://www.communityfirstfl.org/resources/rates/cd-rates) ## Ready to Get Started? ![Icon of two hands shaking](https://info.communityfirstfl.org/hubfs/Web%20Icons/Icons_forhubspot_Handshake.png) ## New MEMBER Not a member? Become a member of Community First so you can start earning more. [![Apply Now](https://no-cache.hubspot.com/cta/default/2674865/interactive-218200057185.png)](https://info.communityfirstfl.org/hs/cta/wi/redirect?encryptedPayload=AVxigLJzzfZ2gfy54iV9AulBd02dsjxt5gcdLhyR8A04z8p8c9cklbaiCCyScYCn2JUysgPQfXaqMHsfq4BnhuKw0uz2FKBLGobVKGDfs2CEkdKAZumm3FpE5SBWg20obn5vQ3%2BnQ76wLk5yXOoz%2Bk0GgPayej5BUAgH3f6TOaJNJgFuqbvg9plGv3NMJtw0oK8tHurGjY2o9nTFZ%2FfprNndjtdYAcNr7F2fEUXK%2Fp2wb7swdAdfB1Lgf7Vo8xBUkqUv5iW1&webInteractiveContentId=218200057185&portalId=2674865) ![75x75 Computer-Easy Online Application](https://info.communityfirstfl.org/hubfs/75x75%20Computer-Easy%20Online%20Application.png) ## EXISTING MEMBERS Already a member? Click below to open a new high-yield CD account and start saving more. [![Open an Account](https://no-cache.hubspot.com/cta/default/2674865/interactive-218205895592.png)](https://info.communityfirstfl.org/hs/cta/wi/redirect?encryptedPayload=AVxigLJt%2B4anZvdTnX2B3Kdnv576v3A6CDD1yKfzCDRGioNSkCDOE4myMBEb%2BpC%2F%2FYN5GQKvIUmicrmNNbMbc41vaMFRPS%2BmJHRoqS7IXByWJsKZ44v%2Fw2d4B95MEkBetv5m5xIlfhQhYVuT3kM7wMMi0tfFmqtLiC6I5UevCWjrrfNwczJ7kAeqm1%2BS8VqNN9i%2FT6aU%2FrZgRxh82fE7wPG21RWXpqf4PXFSjzDnKpqu0VNzCs92rOgU6RG242xXT2Dq5ODo&webInteractiveContentId=218205895592&portalId=2674865) ![75x75 Computer-Easy Online Application](https://info.communityfirstfl.org/hubfs/75x75%20Computer-Easy%20Online%20Application.png) ## APPLY IN ONLINE OR MOBILE BANKING Log into Online Banking \> Open & Apply \> Open a New Account \> Open Additional Account. [![Login Today!](https://no-cache.hubspot.com/cta/default/2674865/interactive-218205895707.png)](https://info.communityfirstfl.org/hs/cta/wi/redirect?encryptedPayload=AVxigLKiKxXsJZ0jqcsK62WIpyEw1MxGb0WJhHRESNuU7CjeF3MvnxZxQuGk9RFmG%2BFlaQS%2B4%2B%2B74lx78iZUYl2B3OpqlrZy1r147cjrxAv5ABlwVkp5y0g0CMrg0KCbEKJWEKFgL7dpgAyJvNtwb9fFDs90BclAddL7JeTdaCn0lzSwu2Iz4tcr6F%2Fp6dq7vJplc%2BE4tbTGoEAxwLB%2B196VTmgytJHfgIF%2BST4aAiB1dWBUYucDvGmJHm7i2XTRuPjvrTWy&webInteractiveContentId=218205895707&portalId=2674865) ![1200x800- Communicate Icon](https://info.communityfirstfl.org/hubfs/Web%20Icons/1200x800-%20Communicate%20Icon.png) ## SCHEDULE AN APPOINTMENT Prefer to meet in person? Schedule an in-person or over-the-phone appointment. [![Schedule your Appointment](https://no-cache.hubspot.com/cta/default/2674865/interactive-218205859765.png)](https://info.communityfirstfl.org/hs/cta/wi/redirect?encryptedPayload=AVxigLIiirf4sr9047WV1G8CZrx4M0Vm0du4UEBrZUw06gCNzJ%2Bd7vAPkDGz5wgCc2hV%2BRn4SSDoUYTfWyZw9VmNJUxZzPKkB08b3%2BUcTSMO5HzCE4x58ZLVJ5P%2FjA2H40Ru0qjWBedAf%2FYZBWCRGVwfhRCFRMr5ZU0Pkmz5HS8sjRYi4n9xAz4po1E2QLgwkpsFr4A5wORmIj6kSi7yY31frnWSXdcNX4rhgtyrGky1N4FnJGIvBTrtYQU6YpmEAq4olWU4piEr88V6jff0GeXskZVu%2Btf02BxWqBHv%2B35Tl%2BdUanJegQE%3D&webInteractiveContentId=218205859765&portalId=2674865) ## 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.](https://www.communityfirstfl.org/rates/cd-rates) ###### 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](https://www.communityfirstfl.org/rates/cd-rates). 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](http://communityfirstfl.org/connect/become-a-member) or call [904.354.8537](tel:9043548537) 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](tel:904.354.8537) or [(800) 342-8416](tel: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 4.15% APY rate is $250,000 or greater, $100,000 - $249,000 – 4.10% APY,  $500 - $99,999  – 4.05% APY. Offer may end at any time without notice. Rates accurate as of 10/13/26. Fees may reduce earnings. Restrictions apply and rates can change at any time without notice. \*\*Rate listed applies to 8-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 $500 or greater. Offer may end at any time without notice. Rates accurate as of 10/13/26. Fees may reduce earnings. Restrictions apply and rates can change at any time without notice. ![Community First Credit Union logo](https://info.communityfirstfl.org/hs-fs/hubfs/CFCU_Logo_CU_Wh-1-1.png?width=260&name=CFCU_Logo_CU_Wh-1-1.png) [Contact us 904-204-5435](tel:9042045435) Manage Cookie Settings **Headquarters** P.O. Box 2600 Jacksonville, FL 32232 ![equal housing opportunity logo](https://info.communityfirstfl.org/hubfs/2022/Equal-Housing-Opportunity-logo-PMS2757.png) Corp. NMLS#: 379502 Copyright © 2026 Community First Credit Union. All Rights Reserved.