Certificates of deposit elevate your savings at a greater rate

Think BIG for your future
Maximize your savings at a special rate

When you have cash you can set aside for several months, you'll benefit from Florida Credit Union's CDs. Our current offer lets you earn a 4.00% APY* when you deposit at least $1,000 for 13 months. Looking for other options? We have various CD terms with corresponding rates, starting with a $1,000 minimum deposit. For the savings goals you wish to reach, CDs are a smart, low-risk method of reaching them.

Most Popular Terms and Rates

CD & IRA Special

  • 4.00% APY* CD or IRA Special for 13 months – $1,000 minimum deposit

Jumbo CD & IRA Special

  • 4.05% APY* Jumbo CD & IRA Special for 13 months – $100,000 minimum deposit


What is a CD?
A certificate of deposit (CD or share certificate) is a savings certificate with a fixed maturity date. While a CD may have a minimum and maximum amount, it can be issued for any denomination within that range. Unlike money market and share accounts which allow for funds to be added or withdrawn, a CD requires the initial deposit amount to remain for the term of the CD.

Who should open a CD?
A CD typically has the highest annual percentage yield compared to all savings account opportunities at Florida Credit Union and the funds on deposit are federally insured by the NCUA.

How do I open a Florida Credit Union CD?
Fill out our contact form to get started or visit your nearest branch

What is the minimum deposit amount?
Minimum deposit amounts will vary by the individual CD. Please refer to the disclosure for a specific CD for more information regarding its specific minimum deposit amount.

When will I start earning on this account?
You will start to earn dividends on the business day we receive your deposit.

How are dividends calculated on my account?
Dividends are compounded daily and credited to your account quarterly.

How can I withdraw money?
Funds are intended to only be withdrawn at the maturity date and a penalty may apply for early withdrawal.

We'll help you understand CDs and how to use them to reach your savings goals. Just fill out this form and we'll be in touch with you soon.
Ready to save more?

*Annual Percentage Yield (APY) is accurate as of 03/13/23. Terms, restrictions and conditions apply. See share certificate agreement for current rates, terms and requirements. Must be funded with money currently not on deposit at Florida Credit Union. Minimum balance to open share certificate varies per certificate with a maximum of $5,000,000. After maturity, if you choose to roll over your CD, you will earn dividends according to the CD agreement or at the then current APY as stated on www.flcu.org at that time. Limited time offer subject to change at any time without notice. A penalty may be imposed for early withdrawals which may reduce earnings. Fees or other conditions may reduce earnings. Fees are subject to change. See separate fee schedule for more details. Refer to the Membership and Account Agreement which can be obtained at any branch or viewed online for specific terms and conditions of the accounts. Federally insured by NCUA. Florida Credit Union – P.O. Box 5549, Gainesville, FL 32627.