BCFCU CD Rates · October 2026

How BCFCU’s CD rates compare

Compared with banks and credit unions near Tallahassee, FL, where BCFCU has the most branches. $10,000, best rate first.

This credit union’s best
BCFCU
4.08%APY
Term
18 months
Requires
None
Minimum
$1,000
Earns on $10,000
$618
Certificate of Deposit
Top rate
Champions First Credit Union
4.30%APY
Term
21 months
Requires
None
Minimum
$10,000
Earns on $10,000
$765
Champions First Credit Union rates
2nd-highest rate
Wells Fargo
4.25%APY
Term
11 months
Requires
Another account
Minimum
$5,000
Earns on $10,000
$389
Wells Fargo rates

Compare CD rates near you →

CD score

Higher than 79% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.95%
9–15 months9–15 mo4.05%
16–30 months16–30 mo4.08%
31–60 months31–60 mo2.65%
QualifiedQualified4.08%

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.

How the score works →

Where BCFCU 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.

Certificate of Deposit

Up to 4.08%APY · 10 termsPromotionalFrom $500 to open

Dividends compounded and credited/paid monthly. $1,000 minimum balance required unless specified. Automatically renews on maturity date with a 20-day penalty-free withdrawal grace period. Substantial early withdrawal penalty applies (equal to 90 days dividends for maturity 30 days to 1 year; 180 days dividends for maturity > 1 year). Membership eligibility requirements apply.

Earnings on $10,000 over the term.
Term	APY · Any balance	APY · $1,000 and up	APY	Earns on $10,000Earns
6 months	—	3.95%	3.95%	$196
9 months	—	4.00%	4.00%	$299
11 months11 Months Special. Starting rate corresponding APY; APY will increase 0.10% (10 bps) with each subsequent selected University football team victory after opening date (adjusted the Monday following a win). APY remains on certificate from the last win for the remaining term. Good for initial term only and consumer certificates only	3.30%	—	3.30%	$302
12 months	—	4.05%	4.05%	$405
13 months	—	4.05%	4.05%	$439
18 months	—	4.08%	4.08%	$618
24 months	—	3.70%	3.70%	$754
36 months	—	2.65%	2.65%	$816
48 months	—	1.95%	1.95%	$803
60 months	—	1.25%	1.25%	$641

Sources (3)

All captured Sep 18, 2026

Special-purpose accounts

IRA Certificate

Up to 4.08%APY · 9 termsIRAFrom $1,000 to open

Most certificates are also available as IRA certificates. Dividends compounded and credited/paid monthly. $1,000 minimum balance required unless specified. Automatically renews on maturity date with a 20-day penalty-free withdrawal grace period. Substantial early withdrawal penalty applies (equal to 90 days dividends for maturity 30 days to 1 year; 180 days dividends for maturity > 1 year). Membership eligibility requirements apply.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months	3.95%	$196
9 months	4.00%	$299
12 months	4.05%	$405
13 months	4.05%	$439
18 months	4.08%	$618
24 months	3.70%	$754
36 months	2.65%	$816
48 months	1.95%	$803
60 months	1.25%	$641

Sources (2)

All captured Sep 18, 2026

Who can join BCFCU

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Open to all persons who live, worship, work, or attend school in, and businesses and other legal entities located in Dixie, Franklin, Gadsden, Gilchrist, Hamilton, Jefferson, Lafayette, Leon, Levy, Madison, Suwannee, Taylor, and Wakulla counties.

Military, government and schools

Open to employees of the credit union and volunteers in the community.

Family and household

Open to spouses of persons who died while within the field of membership of the credit union, and members of their immediate family or household.

Other ways

Open to organizations of eligible persons.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← BCFCU overview