Credit union · NCUA insured
Emerald Coast FCU CD Rates
Emerald Coast FCU’s best CD rate is 3.25% APY on a 6-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How Emerald Coast FCU’s CD rates compare
Compared with banks and credit unions in Florida, where Emerald Coast FCU has the most branches. $10,000, best rate first.
This credit union’s best
Emerald Coast FCU
3.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $161
Share Certificates
Top rate
Raymond James Bank
5.25%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $2,915
2nd-highest rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
Emerald Coast FCU CD score
65
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.38%
- 31–60 months31–60 mo2.02%
- QualifiedQualified3.25%
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 Emerald Coast FCU 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 3.25%APY · 7 terms
Minimum $5.00 Share required in order to open certificate accounts. Members age 55 and older receive an additional 0.05% in APY. Penalties may be imposed for early withdrawal. Dividends payable monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMembers age 55 and older receive an additional 0.05% in APY | 1.50% | $38 |
| 6 monthsMembers age 55 and older receive an additional 0.05% in APY | 3.25% | $161 |
| 12 monthsMembers age 55 and older receive an additional 0.05% in APY | 2.50% | $250 |
| 18 monthsMembers age 55 and older receive an additional 0.05% in APY | 2.38% | $359 |
| 24 monthsMembers age 55 and older receive an additional 0.05% in APY | 2.27% | $459 |
| 30 monthsMembers age 55 and older receive an additional 0.05% in APY | 2.27% | $577 |
| 36 monthsMembers age 55 and older receive an additional 0.05% in APY | 2.02% | $618 |
Special-purpose accounts
IRA Certificates
Up to 3.25%APY · 7 terms
Minimum $5.00 Share required in order to open certificate accounts. Members age 55 and older receive an additional 0.05% in APY. Penalties may be imposed for early withdrawal. Minimum deposit required for IRAs is $250.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMembers age 55 and older receive an additional 0.05% in APY | 1.50% | $38 |
| 6 monthsMembers age 55 and older receive an additional 0.05% in APY | 3.25% | $161 |
| 12 monthsMembers age 55 and older receive an additional 0.05% in APY | 2.50% | $250 |
| 18 monthsMembers age 55 and older receive an additional 0.05% in APY | 2.38% | $359 |
| 24 monthsMembers age 55 and older receive an additional 0.05% in APY | 2.27% | $459 |
| 30 monthsMembers age 55 and older receive an additional 0.05% in APY | 2.27% | $577 |
| 36 monthsMembers age 55 and older receive an additional 0.05% in APY | 2.02% | $618 |
Who can join Emerald Coast FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in, or businesses and other legal entities in Gulf County, Franklin County, or the City of Mexico Beach are eligible for membership.
Membership information collected October 5, 2026.