Credit union · NCUA insured
BrightStar Credit Union CD Rates
BrightStar Credit Union’s best CD rate is 5.00% APY on a 5-year share certificate (CD), with extra requirements. Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How BrightStar Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where BrightStar Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
Certificates
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
3rd-highest rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $347
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 5.00%APY · 10 terms
Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm: 1 month (30-59 days). Standard rate | 3.10% | $25 |
| 2 monthsTerm: 2 months (60-89 days). Standard rate | 3.10% | $51 |
| 3–5 monthsTerm: 3 months (90-179 days). Standard rate | 3.85% | $95 |
| 6–12 monthsTerm: 6 months (180-364 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit | 4.25% | $210 |
| 6–12 monthsTerm: 6 months (180-364 days). Standard rate | 3.80% | $188 |
| 12–24 monthsTerm: 1 year (365-730 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit | 4.30% | $430 |
| 12–24 monthsTerm: 1 year (365-730 days). Standard rate | 3.85% | $385 |
| 13 months13 Months Smart CD special promotional rate | 4.60% | $499 |
| 24–36 monthsTerm: 2 years (731-1095 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit | 4.60% | $941 |
| 24–36 monthsTerm: 2 years (731-1095 days). Standard rate | 4.15% | $847 |
| 36–47 monthsTerm: 3 years (1096-1459 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit | 4.70% | $1,477 |
| 36–47 monthsTerm: 3 years (1096-1459 days). Standard rate | 4.25% | $1,330 |
| 48–59 monthsTerm: 4 years (1460-1824 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit | 4.80% | $2,063 |
| 48–59 monthsTerm: 4 years (1460-1824 days). Standard rate | 4.35% | $1,857 |
| 60 monthsTerm: 5 years (1825 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit | 5.00% | $2,763 |
| 60 monthsTerm: 5 years (1825 days). Standard rate | 4.55% | $2,492 |
Sources (1)
- bscu.org/certificates-of-deposit · captured Oct 15, 2026
Special-purpose accounts
Roth IRA Certificates
Up to 5.00%APY · 10 terms
Tax-advantaged Roth IRA certificate. Minimum opening deposit $500. Early withdrawal penalties and PSM rates apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm: 1 month. Standard rate | 3.10% | $25 |
| 2 monthsTerm: 2 months. Standard rate | 3.10% | $51 |
| 3 monthsTerm: 3 months. Standard rate | 3.85% | $95 |
| 6–12 monthsTerm: 6 months (180-364 days). Platinum Star Membership (PSM) rate | 4.25% | $210 |
| 6–12 monthsTerm: 6 months (180-364 days). Standard rate | 3.80% | $188 |
| 12–24 monthsTerm: 1 year (365-730 days). Platinum Star Membership (PSM) rate | 4.30% | $430 |
| 12–24 monthsTerm: 1 year (365-730 days). Standard rate | 3.85% | $385 |
| 13 months13 Months Roth IRA Smart CD special rate | 4.75% | $516 |
| 24–36 monthsTerm: 2 years (731-1095 days). Platinum Star Membership (PSM) rate | 4.60% | $941 |
| 24–36 monthsTerm: 2 years (731-1095 days). Standard rate | 4.15% | $847 |
| 36–47 monthsTerm: 3 years (1096-1459 days). Platinum Star Membership (PSM) rate | 4.70% | $1,477 |
| 36–47 monthsTerm: 3 years (1096-1459 days). Standard rate | 4.25% | $1,330 |
| 48–59 monthsTerm: 4 years (1460-1824 days). Platinum Star Membership (PSM) rate | 4.80% | $2,063 |
| 48–59 monthsTerm: 4 years (1460-1824 days). Standard rate | 4.35% | $1,857 |
| 60 monthsTerm: 5 years (1825 days). Platinum Star Membership (PSM) rate | 5.00% | $2,763 |
| 60 monthsTerm: 5 years (1825 days). Standard rate | 4.55% | $2,492 |
Sources (1)
- bscu.org/iras · captured Oct 5, 2026
Traditional IRA Certificates
Up to 5.00%APY · 10 terms
Tax-advantaged IRA certificate. Requires $500 minimum opening deposit. PSM enhanced rates available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm: 1 month (30-59 days). Standard rate | 3.10% | $25 |
| 2 monthsTerm: 2 months (60-89 days). Standard rate | 3.10% | $51 |
| 3–5 monthsTerm: 3 months (90-179 days). Standard rate | 3.85% | $95 |
| 6–12 monthsTerm: 6 months (180-364 days). Platinum Star Membership (PSM) rate | 4.25% | $210 |
| 6–12 monthsTerm: 6 months (180-364 days). Standard rate | 3.80% | $188 |
| 12–24 monthsTerm: 1 year (365-730 days). Platinum Star Membership (PSM) rate | 4.30% | $430 |
| 12–24 monthsTerm: 1 year (365-730 days). Standard rate | 3.85% | $385 |
| 13 months13 Months IRA Smart CD special rate | 4.75% | $516 |
| 24–36 monthsTerm: 2 years (731-1095 days). Platinum Star Membership (PSM) rate | 4.60% | $941 |
| 24–36 monthsTerm: 2 years (731-1095 days). Standard rate | 4.15% | $847 |
| 36–47 monthsTerm: 3 years (1096-1459 days). Platinum Star Membership (PSM) rate | 4.70% | $1,477 |
| 36–47 monthsTerm: 3 years (1096-1459 days). Standard rate | 4.25% | $1,330 |
| 48–59 monthsTerm: 4 years (1460-1824 days). Platinum Star Membership (PSM) rate | 4.80% | $2,063 |
| 48–59 monthsTerm: 4 years (1460-1824 days). Standard rate | 4.35% | $1,857 |
| 60 monthsTerm: 5 years (1825 days). Platinum Star Membership (PSM) rate | 5.00% | $2,763 |
| 60 monthsTerm: 5 years (1825 days). Standard rate | 4.55% | $2,492 |
Sources (1)
- bscu.org/iras · captured Oct 5, 2026
Educator IRA Certificates
Up to 4.25%APY · 3 terms
Designed exclusively for Broward County educators. Tax-advantaged IRA growth with penalty-free withdrawal of up to 20% of balance every 12 months. Allows one addition per year ($500 minimum, not in the last 7 days before maturity). Minimum opening deposit $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsTerm: 3 years (1096 days) | 4.05% | $1,265 |
| 60 monthsTerm: 5 years (1825 days) | 4.00% | $2,167 |
| 84 monthsTerm: 7 years (2557 days) | 4.25% | $3,382 |
Who can join BrightStar Credit Union
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