Credit union · NCUA insured
Connect Credit Union CD Rates
Top CarrotConnect Credit Union’s best CD rate is 4.33% APY on a 21-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Connect Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where Connect Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Connect Credit Union
4.33%APY
- Term
- 21 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $770
Certificates
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
Connect Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo3.71%
- 9–15 months9–15 mo3.81%
- 16–30 months16–30 mo4.33%
- 31–60 months31–60 mo4.23%
- QualifiedQualified4.33%
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 Connect 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.
Certificates
Up to 4.33%APY · 6 terms
Early withdrawal penalty applies (equal to 3 months dividends / all interest earned on amount withdrawn prior to maturity date, or 90 days interest at certificate rate). Membership eligibility required across Florida. Federally insured by NCUA.
| Term | APY · $1,000 and up | APY · $20,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.71% | — | 3.71% | $184 |
| 6 monthsJumbo CD | — | 3.76% | —3.76% from $20k | — |
| 12 months | 3.81% | — | 3.81% | $381 |
| 12 monthsJumbo CD | — | 3.86% | —3.86% from $20k | — |
| 21 monthsNew Money Required - New Money is defined as money not currently on deposit with Connect Credit Union | 4.33% | — | 4.33% | $770 |
| 24 months | 3.91% | — | 3.91% | $797 |
| 24 monthsJumbo CD | — | 3.97% | —3.97% from $20k | — |
| 36 months | 4.12% | — | 4.12% | $1,288 |
| 36 monthsJumbo CD | — | 4.17% | —4.17% from $20k | — |
| 60 months | 4.23% | — | 4.23% | $2,302 |
| 60 monthsJumbo CD | — | 4.28% | —4.28% from $20k | — |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.33%APY · 6 terms
Early withdrawal penalty applies (equal to all interest earned on amount withdrawn prior to maturity date, or 90 days interest at certificate rate). Membership eligibility required across Florida. Federally insured by NCUA.
| Term | APY · $1,000 and up | APY · $20,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.71% | — | 3.71% | $184 |
| 6 monthsJumbo CD | — | 3.76% | —3.76% from $20k | — |
| 12 months | 3.81% | — | 3.81% | $381 |
| 12 monthsJumbo CD | — | 3.86% | —3.86% from $20k | — |
| 21 monthsNew Money Required - New Money is defined as money not currently on deposit with Connect Credit Union | 4.33% | — | 4.33% | $770 |
| 24 months | 3.91% | — | 3.91% | $797 |
| 24 monthsJumbo CD | — | 3.97% | —3.97% from $20k | — |
| 36 months | 4.12% | — | 4.12% | $1,288 |
| 36 monthsJumbo CD | — | 4.17% | —4.17% from $20k | — |
| 60 months | 4.23% | — | 4.23% | $2,302 |
| 60 monthsJumbo CD | — | 4.28% | —4.28% from $20k | — |
Who can join Connect Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in Brevard, Broward, Charlotte, Citrus, Collier, De Soto, Duval, Flagler, Glades, Hardee, Osceola, Hernando, Hillsborough, Indian River, Lake, Lee, Manatee, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Palm Beach, Pasc0, Pinellas, Polk, Sarasota, Seminole, St Johns, St Lucie, or Volusia County in Florida are eligible for membership.
Employers and groups
- Employees of Connect Credit Union are eligible for membership.
- Employees of firms who have a current contract with the Florida Department of Transportation are eligible for membership.
Military, government and schools
- Retirees of the Florida Department of Transportation are eligible for membership.
- Current employees of the State of Florida are eligible for membership.
Family and household
- Immediate family members of a current member of the Credit Union are eligible for membership.
Cost to join
- Membership requires opening and maintaining a Share Savings Account with a small deposit.
Membership information collected October 5, 2026.