Credit union · NCUA insured
Florence Federal Credit Union CD Rates
Florence Federal Credit Union’s best CD rate is 3.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Florence Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Florence, AL, where Florence Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Florence Federal Credit Union
3.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,877
CD Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
Florence Federal Credit Union CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 Florence 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.
CD Certificates
Up to 3.50%APY · 8 terms
Grace Period: 10 days with option to renew at rate as of maturity date or rate on day renewed. Share Certificates require a minimum deposit of $500.00. A penalty may be imposed for early withdrawal. Rates are subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.00% | $100 |
| 12 months | 2.25% | $225 |
| 18 months | 2.50% | $377 |
| 24 months | 3.00% | $609 |
| 30 months | 3.00% | $767 |
| 36 months | 3.00% | $927 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.50% | $1,877 |
Sources (1)
- ffcuonline.com/accounts/investing/certificates · captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 3.50%APY · 8 terms
Grace Period: 10 days with option to renew at rate as of maturity date or rate on day renewed. Share Certificates require a minimum deposit of $500.00. A penalty may be imposed for early withdrawal. Rates are subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.00% | $100 |
| 12 months | 2.25% | $225 |
| 18 months | 2.50% | $377 |
| 24 months | 3.00% | $609 |
| 30 months | 3.00% | $767 |
| 36 months | 3.00% | $927 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.50% | $1,877 |
Sources (1)
- ffcuonline.com/accounts/investing/certificates · captured Sep 19, 2026
Who can join Florence Federal Credit Union
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 Lauderdale County or Colbert County, Alabama are eligible for membership.
Other ways
- Businesses and other legal entities in Colbert and Lauderdale Counties are eligible to become members.
Cost to join
- Membership requires a $25 share deposit that must remain in your account.
- Membership requires a $1 fee.
Membership information collected October 4, 2026.