Credit union · NCUA insured
Community First Credit Union of Florida CD Rates
Community First Credit Union of Florida’s best CD rate is 4.15% APY on a 13-month share certificate (CD). Terms run from 3 months to 13 months. Rates checked October 15, 2026.
How Community First Credit Union of Florida’s CD rates compare
Compared with banks and credit unions near Jacksonville, FL, where Community First Credit Union of Florida has the most branches. $10,000, best rate first.
This credit union’s best
Community First Credit Union of Florida
4.05%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $439
Certificates of Deposit
Top rate
RadiFi Credit Union
4.91%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $366
2nd-highest rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- 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 of Deposit
Up to 4.05%APY · 5 terms
Effective 2026-10-13. Minimum balances: Standard $500 ($100 for Youth Advantage, $250 for 6-Month SaveUP CD); Jr. Jumbo $45,000; Jumbo $100,000; Jumbo Plus $250,000; Super Jumbo $500,000; Super Jumbo Plus $750,000; Super Jumbo Max $1,000,000. Compounding monthly. Early withdrawal penalties apply. Membership required.
| Term | APY · $100 and up | APY · $250 and up | APY · $500 and up | APY · $45,000 and up | APY · $100,000 and up | APY · $250,000 and up | APY · $500,000 and up | APY · $750,000 and up | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 3–5 months3-5 Month Term Standard tier | — | — | 2.53% | — | — | — | — | — | — | 2.53% | $63 |
| 6 months6 Month SaveUP CD | — | — | — | — | 2.73% | — | — | — | — | —2.73% from $100k | — |
| 6 months6 Month SaveUP CD Jr | — | — | — | 2.68% | — | — | — | — | — | —2.68% from $45k | — |
| 6 months6 Month SaveUP CD Jumbo Plus tier | — | — | — | — | — | 2.78% | — | — | — | —2.78% from $250k | — |
| 6 months6 Month SaveUP CD Standard tier. Available to college/vocational/technical school students | — | 2.58% | — | — | — | — | — | — | — | 2.58% | $128 |
| 6 months6 Month SaveUP CD Super | — | — | — | — | — | — | 3.04% | — | — | —3.04% from $500k | — |
| 6 months6 Month SaveUP CD Super Jumbo Max tier | — | — | — | — | — | — | — | — | 3.56% | —3.56% from $1,000k | — |
| 6 months6 Month SaveUP CD Super Jumbo Plus tier | — | — | — | — | — | — | — | 3.30% | — | —3.30% from $750k | — |
| 8 months8 Month CD | — | — | — | — | 4.00% | — | — | — | — | —4.00% from $100k | — |
| 8 months8 Month CD Jr | — | — | — | 4.00% | — | — | — | — | — | —4.00% from $45k | — |
| 8 months8 Month CD Jumbo Plus tier | — | — | — | — | — | 4.00% | — | — | — | —4.00% from $250k | — |
| 8 months8 Month CD Standard tier | — | — | 4.00% | — | — | — | — | — | — | 4.00% | $265 |
| 8 months8 Month CD Super | — | — | — | — | — | — | 4.00% | — | — | —4.00% from $500k | — |
| 8 months8 Month CD Super Jumbo Max tier | — | — | — | — | — | — | — | — | 4.00% | —4.00% from $1,000k | — |
| 8 months8 Month CD Super Jumbo Plus tier | — | — | — | — | — | — | — | 4.00% | — | —4.00% from $750k | — |
| 12 monthsYouth Advantage 12 Month Term Standard tier | 2.94% | — | — | — | — | — | — | — | — | 2.94% | $294 |
| 13 months13 Month CD | — | — | — | — | 4.10% | — | — | — | — | —4.10% from $100k | — |
| 13 months13 Month CD Jr | — | — | — | 4.05% | — | — | — | — | — | —4.05% from $45k | — |
| 13 months13 Month CD Jumbo Plus tier. Special promotional rate | — | — | — | — | — | 4.15% | — | — | — | —4.15% from $250k | — |
| 13 months13 Month CD Standard tier | — | — | 4.05% | — | — | — | — | — | — | 4.05% | $439 |
| 13 months13 Month CD Super | — | — | — | — | — | — | 4.15% | — | — | —4.15% from $500k | — |
| 13 months13 Month CD Super Jumbo Max tier | — | — | — | — | — | — | — | — | 4.15% | —4.15% from $1,000k | — |
| 13 months13 Month CD Super Jumbo Plus tier | — | — | — | — | — | — | — | 4.15% | — | —4.15% from $750k | — |
Sources (2)
- communityfirstfl.org/resources/rates/cd-rates
- communityfirstfl.org/personal-…/certificates-of-deposit
All captured Oct 15, 2026
Who can join Community First Credit Union of Florida
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or attends school in Baker, Brevard, Broward, Clay, Duval, Flagler, Highlands, Indian River, Lake, Manatee, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia County in Florida.
- Membership is open to anyone who lives or works in Brantley, Charlton, Clinch, Coffee, Glynn, Pierce, Ware, or Wayne County in Georgia.
Employers and groups
- Membership is open to employees of select employer groups, including Genesis Health, Miller Electric Company, and Web.com.
Family and household
- Membership is open to relatives of existing or eligible Community First Credit Union of Florida members.
Cost to join
- New members must open a Share Savings Account with a minimum $5 initial deposit held in the share account.
Membership information collected October 5, 2026.