Credit union · NCUA insured
Community South Credit Union CD Rates
Top CarrotCommunity South Credit Union’s best CD rate is 3.55% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Community South Credit Union’s CD rates compare
Compared with banks and credit unions near Panama City, FL, where Community South Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community South Credit Union
3.55%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $176
Share Certificates
Top rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
2nd-highest rate
Champions First Credit Union
4.30%APY
- Term
- 21 months
- Minimum
- $10,000
- Earns on $10,000
- $765
Community South Credit Union CD score
74
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.03%
- QualifiedQualified3.55%
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 Community South 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 3.55%APY · 5 terms
$500 minimum deposit to open. Dividends are compounded and credited quarterly. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded and credited quarterly. Early withdrawal penalties may apply | 3.55% | $176 |
| 12 monthsDividends compounded and credited quarterly. Early withdrawal penalties may apply | 3.55% | $355 |
| 24 monthsDividends compounded and credited quarterly. Early withdrawal penalties may apply | 3.29% | $669 |
| 36 monthsDividends compounded and credited quarterly. Early withdrawal penalties may apply | 3.03% | $937 |
| 60 monthsDividends compounded and credited quarterly. Early withdrawal penalties may apply | 3.03% | $1,610 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 3.55%APY · 5 terms
NO fees with a minimum balance of $500. A minimum deposit of $500 is required to open. Dividends are compounded and credited quarterly. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNO fees with a minimum balance of $500. Quarterly interest/dividend payments. Early withdrawal penalties may apply | 3.55% | $176 |
| 12 monthsNO fees with a minimum balance of $500. Quarterly interest/dividend payments. Early withdrawal penalties may apply | 3.55% | $355 |
| 24 monthsNO fees with a minimum balance of $500. Quarterly interest/dividend payments. Early withdrawal penalties may apply | 3.29% | $669 |
| 36 monthsNO fees with a minimum balance of $500. Quarterly interest/dividend payments. Early withdrawal penalties may apply | 3.03% | $937 |
| 60 monthsNO fees with a minimum balance of $500. Quarterly interest/dividend payments. Early withdrawal penalties may apply | 3.03% | $1,610 |
Sources (2)
All captured Oct 5, 2026
Who can join Community South 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 Washington, Holmes, Jackson, Calhoun, Walton, Bay, Okaloosa, Liberty, or Gadsden County is eligible for membership.
Employers and groups
- Employees and retirees of Community South Credit Union are eligible for membership.
Military, government and schools
- Employees and retirees of The Florida Department of Transportation District #3 and The State of Florida within the DOT District 3 are eligible for membership.
Family and household
- Relatives of employees and retirees of qualifying employee groups are eligible for membership.
- Relatives of individuals who live or work in the designated nine Florida counties are eligible for membership, even if not residing in the same household.
Other ways
- Associational groups of the members are eligible for membership.
Cost to join
- A $5 refundable share deposit is required to join.
Membership information collected October 5, 2026.