Credit union · NCUA insured
First Florida Credit Union CD Rates
First Florida Credit Union’s best CD rate is 3.90% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How First Florida Credit Union’s CD rates compare
Compared with banks and credit unions near Jacksonville, FL, where First Florida Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Florida Credit Union
3.90%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,216
Certificate
Top rate
RadiFi Credit Union
4.91%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $366
2nd-highest rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
First Florida Credit Union CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.90%
- QualifiedQualified3.90%
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 Florida 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.
Certificate
Up to 3.90%APY · 9 terms
Membership eligibility required ($5.00 minimum deposit to Savings Prime Share Account to join). Funds federally insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.25% | $80 |
| 6 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.45% | $171 |
| 12 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.70% | $370 |
| 18 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.65% | $552 |
| 24 months24 Month Sand Dollar: For Sand Dollar Savings Club (SDSC) members only (designed for children 12 and younger) | 3.80% | $774 |
| 24 months24 Month Step: At maturity, automatically renews as a regular 24 month term at the rate in effect at that time. Once during the term, you may exchange this APY for the current APY in effect at that time, and add any amount to the balance at the same time | 3.70% | $754 |
| 24 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.80% | $774 |
| 30 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.80% | $977 |
| 36 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.90% | $1,216 |
| 48 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.65% | $1,542 |
| 60 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.50% | $1,877 |
Special-purpose accounts
IRA Certificate
Up to 3.90%APY · 9 terms
Membership eligibility required ($5.00 minimum deposit to Savings Prime Share Account to join). First Florida certificate rates apply to IRA certificates by transferring Traditional, Roth, or Educational IRA savings into an IRA certificate. IRA accounts insured separately up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.25% | $80 |
| 6 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.45% | $171 |
| 12 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.70% | $370 |
| 18 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.65% | $552 |
| 24 months24 Month Sand Dollar: For Sand Dollar Savings Club (SDSC) members only (designed for children 12 and younger) | 3.80% | $774 |
| 24 months24 Month Step: At maturity, automatically renews as a regular 24 month term at the rate in effect at that time. Once during the term, you may exchange this APY for the current APY in effect at that time, and add any amount to the balance at the same time | 3.70% | $754 |
| 24 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.80% | $774 |
| 30 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.80% | $977 |
| 36 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.90% | $1,216 |
| 48 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.65% | $1,542 |
| 60 monthsFixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity | 3.50% | $1,877 |
Who can join First Florida Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in specified Florida counties.
Employers and groups
- Eligible for membership through one of First Florida's Select Employee Groups.
Family and household
- The entire family of an existing member is eligible for membership through member sponsorship, regardless of state residency.
Cost to join
- A minimum deposit of $5.00 to a Savings Prime Share Account is required to join.
Membership information collected October 5, 2026.