Credit union · NCUA insured
First Choice Credit Union CD Rates
Top CarrotFirst Choice Credit Union’s best CD rate is 4.75% APY on a 5-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 15, 2026.
How First Choice Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where First Choice Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Choice Credit Union
4.49%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,456
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
First Choice Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 9–15 months9–15 mo3.99%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.49%
- QualifiedQualified4.49%
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 First Choice 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 4.49%APY · 3 terms
Early withdrawal penalty of 180 days interest applies to all certificate accounts. Certificate rates are fixed for the full term. Membership required.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsEarly withdrawal penalty is 180 days interest | 2.96% | 3.99% | 4.25% | 3.99%2.96% from $1k4.25% from $75k | $399 |
| 30 monthsEarly withdrawal penalty is 180 days interest | 3.73% | 4.25% | 4.50% | 4.25%3.73% from $1k4.50% from $75k | $1,097 |
| 60 monthsEarly withdrawal penalty is 180 days interest | 3.98% | 4.49% | 4.75% | 4.49%3.98% from $1k4.75% from $75k | $2,456 |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.49%APY · 3 terms
Available as Traditional, Roth, or Educational IRA certificates. Early withdrawal penalty of 180 days interest applies. Annual fee of $25.00 applies to Individual Retirement Accounts.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsEarly withdrawal penalty is 180 days interest. Annual IRA fee of $25.00 applies | 2.96% | 3.99% | 4.25% | 3.99%2.96% from $1k4.25% from $75k | $399 |
| 30 monthsEarly withdrawal penalty is 180 days interest. Annual IRA fee of $25.00 applies | 3.73% | 4.25% | 4.50% | 4.25%3.73% from $1k4.50% from $75k | $1,097 |
| 60 monthsEarly withdrawal penalty is 180 days interest. Annual IRA fee of $25.00 applies | 3.98% | 4.49% | 4.75% | 4.49%3.98% from $1k4.75% from $75k | $2,456 |
Sources (3)
All captured Oct 5, 2026
Who can join First Choice Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.