Credit union · NCUA insured
FiCare Federal Credit Union CD Rates
FiCare Federal Credit Union’s best CD rate is 4.15% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How FiCare Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where FiCare Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FiCare Federal Credit Union
3.95%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $806
Share Certificates
Top rate
Raymond James Bank
5.25%APY
- Term
- 60 months
- Minimum
- $2,000
- Earns on $10,000
- $2,915
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
FiCare Federal Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo3.85%
- QualifiedQualified3.95%
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 FiCare 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 3.95%APY · 6 terms
Early withdrawal penalties may apply. FiCare offers rate matching with local competitor financial institutions subject to matching terms and requirements.
| Term | APY · $500 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.00% | 3.10% | 3.20% | 3.00%3.10% $50k–$100k3.20% from $100k | $149 |
| 12 months | 3.80% | 3.90% | 4.00% | 3.80%3.90% $50k–$100k4.00% from $100k | $380 |
| 24 months | 3.95% | 4.05% | 4.15% | 3.95%4.05% $50k–$100k4.15% from $100k | $806 |
| 36 months | 3.65% | 3.75% | 3.85% | 3.65%3.75% $50k–$100k3.85% from $100k | $1,135 |
| 48 months | 3.75% | 3.85% | 3.95% | 3.75%3.85% $50k–$100k3.95% from $100k | $1,587 |
| 60 months | 3.85% | 3.95% | 4.05% | 3.85%3.95% $50k–$100k4.05% from $100k | $2,079 |
Sources (1)
- ficarefcu.org/products-and-services/share-certificates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 3.95%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | $380 |
| 24 months | 3.95% | $806 |
| 36 months | 3.65% | $1,135 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.85% | $2,079 |
Sources (1)
- ficarefcu.org/rates · captured Oct 5, 2026
Who can join FiCare Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, independent contractors, or self-employed persons who work regularly in the healthcare industry are eligible for membership.
Military, government and schools
- Employees of healthcare academic institutions are eligible for membership.
- Healthcare students are eligible for membership.
Family and household
- Family members of healthcare industry workers, healthcare students, or healthcare academic institution employees are eligible for membership.
- Relatives of a current member of the credit union are eligible for membership.
Cost to join
- An initial share deposit of $5.00 is required to open an account.
Membership information collected October 5, 2026.