Depending on your short or long-term goals, select from our range of rates and terms, and safely put your money to work for you. Help your money grow strong with a Certificate of Deposit.

The Certificate of Deposit (CD) is a deposit account with a defined term during which attractive interest is earned. With a CD, you can enjoy the following benefits:

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Variety of terms available

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Choose the rate/term that fits your needs

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Guaranteed interest rates

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Account access via Online Banking or by phone


Annual Percentage Yield (APY)
3 months
7 months
13 months

Member FDIC. The annual percentage yield offered for CDs is accurate as of April 1, 2024. FirstBank reserves the right to change these rates at any time. Fees could reduce earnings on the account. For more information, please refer to our Terms and Conditions agreement and account opening disclosures.. A minimum balance of $1,000 is required to obtain the 5.30% APY for the 3-month CD, 5.15% APY for the 7-month CD, and the 5.05% APY for the 13-month CD. Any withdrawals from the principal amount or any cancellation executed prior to the expiration date will be subject to penalties. All products and services are available only in Florida and subject to Terms and Conditions. Certain restrictions apply.

Ready to apply?

Make sure you have the following documents readily available.


In addition to your Social Security card, you will also need one valid photo ID issued by the United States Government, such as:

  • Driver’s License

  • Passport

  • Military ID

  • Permanent Resident ID

  • Government ID

With these documents in hand, visit one of our branches to open a CD.




Certificate of Deposit is a savings vehicle that pays compounded interest for a specified term. It can be used as collateral to guarantee a personal loan.


An IRA and a CD account, both allow you to save money for your future. IRA gives you a tax benefit. A CD account is a deposit account with a defined term.


A CD has a variety of terms. It can range to up to 5 years. Choose the one that best suits your needs.


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Member FDIC. FirstBank Florida is a division of FirstBank Puerto Rico. The complete terms and conditions for the account can be found in the Account Disclosure Document provided at the time of opening of the account. FirstBank Florida reserves the right to negotiate the minimum deposit amount and the term at the time of opening the account. This product is for one or more individuals, or under the name of a business, special society, club, association, church or corporation. Interest rate and annual percentage yield is based on maintaining the deposited amount in the account until the maturity date. Any withdrawals from the principal amount or any cancellation executed prior to the expiration date will be subject to penalties. For more information, please contact your local branch.

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