Credit union · NCUA insured
1st Street Credit Union CD Rates
Top Carrot1st Street Credit Union’s best CD rate is 4.16% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How 1st Street Credit Union’s CD rates compare
Compared with banks and credit unions near North Port, FL, where 1st Street Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st Street Credit Union
4.06%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $828
Share Certificates
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
Suncoast Credit Union
4.50%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $683
1st Street Credit Union CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo1.15%
- 9–15 months9–15 mo2.68%
- 16–30 months16–30 mo4.06%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Street Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.06%APY · 7 terms
| Term | APY · $1,000 and up | APY · $75,000 and up | APY · $150,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 1.15% | 1.21% | 1.26% | 1.15%1.21% from $75k1.26% from $150k | $57 |
| 12 months | 2.68% | 2.73% | 2.78% | 2.68%2.73% from $75k2.78% from $150k | $268 |
| 18 months | 3.50% | 3.55% | 3.65% | 3.50%3.55% from $75k3.65% from $150k | $530 |
| 24 months | 4.06% | 4.11% | 4.16% | 4.06%4.11% from $75k4.16% from $150k | $828 |
| 36 months | 3.80% | 3.85% | 3.91% | 3.80%3.85% from $75k3.91% from $150k | $1,184 |
| 48 months | 3.55% | 3.60% | 3.65% | 3.55%3.60% from $75k3.65% from $150k | $1,497 |
| 60 months | 3.29% | 3.34% | 3.39% | 3.29%3.34% from $75k3.39% from $150k | $1,757 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 4.06%APY · 6 terms
| Term | APY · $1,000 and up | APY · $75,000 and up | APY · $150,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 1.15% | 1.21% | 1.26% | 1.15%1.21% from $75k1.26% from $150k | $57 |
| 12 months | 2.68% | 2.73% | 2.78% | 2.68%2.73% from $75k2.78% from $150k | $268 |
| 18 months | 3.50% | 3.55% | 3.65% | 3.50%3.55% from $75k3.65% from $150k | $530 |
| 24 months | 4.06% | 4.11% | 4.16% | 4.06%4.11% from $75k4.16% from $150k | $828 |
| 48 months | 3.55% | 3.60% | 3.65% | 3.55%3.60% from $75k3.65% from $150k | $1,497 |
| 60 months | 3.29% | 3.34% | 3.39% | 3.29%3.34% from $75k3.39% from $150k | $1,757 |
Sources (2)
All captured Oct 5, 2026
Who can join 1st Street Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, worships or volunteers in Charlotte County, Manatee County or Sarasota County is eligible to join.
Employers and groups
- Employees of this Credit Union are eligible to join.
- Employees of any Non-Profit Organization are eligible to join.
Military, government and schools
- Employees of the City of Sarasota are eligible to join.
- Employees of the County of Sarasota are eligible to join.
- Employees of any Governmental Agency (Federal, State and Local) are eligible to join.
2 more ways to join
Military, government and schools
- Persons receiving retirement benefits from the City of Sarasota General Employees Pension Fund, the Sarasota Fire Department Pension Fund or the Pension Fund of the Police Department of the City of Sarasota are eligible to join.
Family and household
- Anyone related to an existing member by blood, marriage or adoption is eligible to join.
Membership information collected October 5, 2026.