Credit union · NCUA insured
Champions First Credit Union CD Rates
Top CarrotChampions First Credit Union’s best CD rate is 4.30% APY on a 21-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 15, 2026.
How Champions First Credit Union’s CD rates compare
Compared with banks and credit unions near Tallahassee, FL, where Champions First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Champions First Credit Union
4.30%APY
- Term
- 21 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $765
Promotional Certificates
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
Gulf Winds Credit Union
4.21%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $457
Champions First Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.30%
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 Champions First 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.
Promotional Certificates
Up to 4.30%APY · 2 terms
Minimum balance to open a 4.00% APY 9-month promotional certificate of deposit is $1,000. Minimum balance to open a 4.30% APY 21-month promotional certificate of deposit is $10,000. Early withdrawals will be subject to a substantial penalty and any fees could reduce earnings on the account. After maturity, if rolled over, interest is earned according to the CD Dividend and Interest Rate Schedule. Limited-time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsLimited-time offer. Early withdrawals subject to substantial penalty. Rollover at maturity earns standard schedule rates | 4.00% | $299 |
| 21 monthsLimited-time offer. Early withdrawals subject to substantial penalty. Rollover at maturity earns standard schedule rates | 4.30% | $765 |
Certificates of Deposit
Up to 3.75%APY · 5 terms
Interest compounded daily and credited monthly. 20-day grace period following maturity for penalty-free withdrawals/additions. Withdrawals within first 6 days of initial deposit incur 7-day simple interest penalty. 24- and 36-month certificates are available as step-up CDs (one-time request for higher rate if rates increase, renewing original term).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months20-day grace period upon maturity | 3.50% | $173 |
| 12 months20-day grace period upon maturity | 3.75% | $375 |
| 18 months20-day grace period upon maturity | 3.60% | $545 |
| 24 monthsAvailable as step-up CD: if rates increase, one-time request to step up to higher rate, renewing original term effective step-up date. 20-day grace period upon maturity | 3.50% | $712 |
| 36 monthsAvailable as step-up CD: if rates increase, one-time request to step up to higher rate, renewing original term effective step-up date. 20-day grace period upon maturity | 3.55% | $1,103 |
Who can join Champions First 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 or works in Bay, Calhoun, Columbia, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton, or Washington counties is eligible for membership.
Employers and groups
- Employees of Champions First Credit Union are eligible for membership.
- Members and employees of businesses that do business with or have offices at FSU are eligible for membership.
- Members and employees of organizations that are part of the FSU community are eligible for membership.
Military, government and schools
- FSU faculty and staff are eligible for membership.
- FSU students in good academic standing are eligible for membership.
1 more way to join
Family and household
- Family members of existing Champions First Credit Union members are eligible for membership.
Membership information collected October 5, 2026.