Credit union · NCUA insured
FAMU Federal Credit Union CD Rates
FAMU Federal Credit Union’s best CD rate is 3.15% APY on a 4-year share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 15, 2026.
How FAMU Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tallahassee, FL, where FAMU Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FAMU Federal Credit Union
3.15%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,321
Share Certificates of Deposit
Top rate
Champions First Credit Union
4.30%APY
- Term
- 21 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $765
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
FAMU Federal Credit Union CD score
68
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo1.51%
- 16–30 months16–30 mo2.74%
- 31–60 months31–60 mo3.15%
- QualifiedQualified3.15%
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 FAMU 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 of Deposit
Up to 3.15%APY · 7 terms
Interest credited monthly, quarterly, semi-annually, or annually. Penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $13 |
| 6 months | 1.51% | $75 |
| 12 months | 1.51% | $151 |
| 18 months | 1.26% | $190 |
| 24 months | 2.74% | $556 |
| 36 months | 2.79% | $861 |
| 48 months | 3.15% | $1,321 |
Sources (1)
- famufcu.com/pages/savings-accounts.php · captured Sep 18, 2026
Special-purpose accounts
IRA Share Certificates
Up to 1.75%APY · 5 terms
Penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.50% | $25 |
| 12 months | 1.50% | $150 |
| 18 months | 1.25% | $188 |
| 36 months | 1.65% | $503 |
| 48 months | 1.75% | $719 |
Sources (1)
- famufcu.com/pages/savings-accounts.php · captured Sep 18, 2026
Who can join FAMU Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the Bethel Missionary Baptist Church in Tallahassee, Florida are eligible for membership.
- Members of the Jacob Chapel Baptist Church in Tallahassee, Florida are eligible for membership.
- Jerusalem Missionary Baptist Church of Tallahassee, Florida is eligible for membership.
- Employees of Metz Culinary Management Food Services at Florida A&M University are eligible for membership.
- Voting members of the Tallahassee Branch of the National Association for the Advancement of Colored People (NAACP) located in Tallahassee, Florida are eligible for membership.
- Members of the Tabernacle Missionary Baptist Church in Tallahassee, Florida are eligible for membership.
5 more ways to join
Military, government and schools
- Members of the Florida A&M University National Alumni Association, Inc. are eligible for membership.
- Employees of the Florida A&M University are eligible for membership.
- Employees of the Florida A&M University Federal Credit Union are eligible for membership.
- Students of the Florida A&M University are eligible for membership.
Family and household
- Relatives (spouse, children, parents, stepparents, sisters, brothers, adoptive relationship, grandparents, and grandchildren) of eligible groups are eligible for membership upon proof of relationship.
Membership information collected October 5, 2026.