Credit union · NCUA insured
Dade County Federal Credit Union CD Rates
Dade County Federal Credit Union’s best CD rate is 4.10% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Dade County Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where Dade County Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Dade County Federal Credit Union
4.10%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $410
Share 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
Dade County Federal Credit Union CD score
86
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.07%
- 31–60 months31–60 mo2.55%
- QualifiedQualified4.10%
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 Dade County Federal 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 4.10%APY · 5 terms
Minimum of $500 required to open account. All terms are subject to early withdrawal penalty and or fees which may reduce earnings. Membership is required for individuals and their families who live, work, worship, attend school, or operate a business in Palm Beach, Broward, Miami-Dade, or Monroe County.
| Term | APY · Any balance | APY · $500 – $10,000 | APY · $10,000 – $30,000 | APY · $10,000 – $40,000 | APY · $30,000 and up | APY · $40,000 – $70,000 | APY · $70,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty and/or fees may reduce earnings | 0.70% | — | — | — | — | — | — | — | 0.70% | $17 |
| 6 monthsEarly withdrawal penalty and/or fees may reduce earnings | 1.91% | — | — | — | — | — | — | — | 1.91% | $95 |
| 6 monthsShare Certificate Promotional Rate. Effective 6/1/2026. Early withdrawal penalty and/or fees may reduce earnings | 4.00% | — | — | — | — | — | — | — | 4.00% | $198 |
| 12 monthsShare Certificate Promotional Rate. Effective 8/24/2026. Early withdrawal penalty and/or fees may reduce earnings | 4.10% | — | — | — | — | — | — | — | 4.10% | $410 |
| 18 monthsEarly withdrawal penalty and/or fees may reduce earnings | — | 3.07% | 3.07% | — | 3.07% | — | — | — | 3.07%3.07% $500–$10k3.07% from $30k | $464 |
| 60 monthsEarly withdrawal penalty and/or fees may reduce earnings | — | 2.55% | — | 2.55% | — | 2.55% | 2.55% | 2.55% | 2.55%2.55% $500–$10k2.55% $40k–$70k2.55% $70k–$100k2.55% from $100k | $1,342 |
Sources (4)
All captured Oct 15, 2026
Special-purpose accounts
Share IRA Certificates
Up to 3.07%APY · 3 terms
Minimum of $500 required to open account. All terms are subject to early withdrawal penalty and or fees which may reduce earnings. Membership is required for individuals and their families who live, work, worship, attend school, or operate a business in Palm Beach, Broward, Miami-Dade, or Monroe County.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty and/or fees may reduce earnings | 2.92% | $292 |
| 24 monthsEarly withdrawal penalty and/or fees may reduce earnings | 3.07% | $623 |
| 36 monthsEarly withdrawal penalty and/or fees may reduce earnings | 2.55% | $785 |
Sources (2)
All captured Oct 15, 2026
Who can join Dade County Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.