Lock in a Guaranteed Rate


When you have cash you can set aside for several months or even years, you'll benefit from Florida Credit Union's Certificates of Deposit. We have various CD terms with corresponding rates, starting with a $1,000 minimum deposit.  When your Certificate matures, you choose to withdraw your money or keep it deposited for another full term. For the savings goals you wish to reach, CDs are a smart, low-risk method of reaching them. 

Predictable Return, with No Risk

Set it and watch it grow

  • Flexible terms from 6 months to 5 years
  • Guaranteed rate of return for term
  • Stagger your returns with varying terms  
  • Ability to borrow against your funds
  • Jumbo Certificates available
  • Funds are insured by the NCUA²

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CD Calculator


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 Unlike money market and share accounts which allow for funds to be added or withdrawn, a CD requires the initial deposit amount to remain for the term of the CD.
You will start to earn dividends on the business day we receive your deposit.
Dividends are compounded daily and credited to your account quarterly.
Yes! The National Credit Union Administration (NCUA) insures all savings accounts up to $250,000.
Certificates of deposit dividends are indeed reported to the IRS. If your earnings are at least $10, you will receive a 1099-INT from the IRS by January 31.
Funds are intended to only be withdrawn at the maturity date and a penalty may apply for early withdrawal.
A notice will be sent a few weeks prior to maturity. If no response is received, the certificate will be automatically renewed at the the most comparable rate and term offered by the credit union at that time.
To renew a CD is to reinvest your certificate funds into a new certificate. The term and rate the certifcate renews to is the most comparable currently offered by the credit union.


1. Annual Percentage Yield (APY) is accurate as of 5/16/2024. 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 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. 

2. Insured by the NCUA protect up to $250,000 per account holder.

The calculators found on this page are for information purposes only. While the results of the calculators may be generally accurate, the results do not reflect any specific Credit Union accounts, loans or other products or services and may not exactly match the calculation methods used by the Credit Union (or any third party) for accounts, loans or other products or services.  These calculators should be used only for general informational purposes and should not be relied on for any specific transaction.