Florida Credit Union CD Rates

How Florida Credit Union’s CD rates compare

Compared with banks and credit unions near Ocala, FL, where Florida Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Florida Credit Union
4.50%APY
Term
19 months
Requires
None
Minimum
$1,000
Earns on $10,000
$722
Certificates of Deposit
2nd-highest rate
Gala Bank
4.30%APY
Term
24 months
Requires
None
Minimum
—
Earns on $10,000
$878
Gala Bank rates
3rd-highest rate
Wells Fargo
4.25%APY
Term
11 months
Requires
Another account
Minimum
$5,000
Earns on $10,000
$389
Wells Fargo rates

Compare CD rates near you →

CD score

Higher than 94% of U.S. banks and credit unions

By term

3–8 months3–8 mo4.00%
9–15 months9–15 mo4.25%
16–30 months16–30 mo4.50%
31–60 months31–60 mo2.80%
QualifiedQualified4.50%

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.

How the score works →

Where 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.

Certificates of Deposit

Up to 4.50%APY · 11 termsPromotionalFrom $1,000 to open

Minimum deposit to open varies per certificate with a maximum of $5,000,000. Early withdrawal penalties apply. Dividends compounded and credited quarterly. Membership eligibility required.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsEarly withdrawal penalty is 90 days of interest. Dividends compounded quarterly and credited quarterly	3.65%	$181
7 monthsSpecial certificate; early withdrawal penalty is 105 days of interest. Specials can be discontinued at any time and convert to normal product at expiration. Dividends compounded quarterly and credited quarterly	4.00%	$231
9 monthsSpecial certificate; early withdrawal penalty is 135 days of interest. Specials can be discontinued at any time and convert to normal product at expiration. Dividends compounded quarterly and credited quarterly	4.15%	$310
12 monthsEarly withdrawal penalty is 180 days of interest. Dividends compounded quarterly and credited quarterly	3.60%	$360
13 monthsSpecial certificate; early withdrawal penalty is 195 days of interest. Specials can be discontinued at any time and convert to normal product at expiration. Dividends compounded quarterly and credited quarterly	4.25%	$461
18 monthsEarly withdrawal penalty is 270 days of interest. Dividends compounded quarterly and credited quarterly	3.70%	$560
19 monthsSpecial certificate; early withdrawal penalty is 195 days of interest. Specials can be discontinued at any time and convert to normal product at expiration. Dividends compounded quarterly and credited quarterly	4.50%	$722
24 monthsEarly withdrawal penalty is 360 days of interest. Dividends compounded quarterly and credited quarterly	3.50%	$712
36 monthsEarly withdrawal penalty is 540 days of interest. Dividends compounded quarterly and credited quarterly	2.80%	$864
48 monthsEarly withdrawal penalty is 720 days of interest. Dividends compounded quarterly and credited quarterly	2.75%	$1,146
60 monthsEarly withdrawal penalty is 900 days of interest. Dividends compounded quarterly and credited quarterly	2.80%	$1,481

Sources (4)

All captured Oct 15, 2026

Special-purpose accounts

IRA Certificates of Deposit

Up to 4.50%APY · 11 termsIRAPromotionalFrom $1,000 to open

Available as Traditional or Roth IRA certificates. Minimum deposit to open varies per certificate with a maximum of $5,000,000. Early withdrawal penalties apply. Dividends compounded and credited quarterly. Membership eligibility required.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsEarly withdrawal penalty is 90 days of interest. Dividends compounded quarterly and credited quarterly	3.65%	$181
7 monthsSpecial IRA certificate; early withdrawal penalty is 105 days of interest. Specials can be discontinued at any time and convert to normal product at expiration. Dividends compounded quarterly and credited quarterly	4.00%	$231
9 monthsSpecial IRA certificate; early withdrawal penalty is 135 days of interest. Specials can be discontinued at any time and convert to normal product at expiration. Dividends compounded quarterly and credited quarterly	4.15%	$310
12 monthsEarly withdrawal penalty is 180 days of interest. Dividends compounded quarterly and credited quarterly	3.60%	$360
13 monthsSpecial IRA certificate; early withdrawal penalty is 195 days of interest. Specials can be discontinued at any time and convert to normal product at expiration. Dividends compounded quarterly and credited quarterly	4.25%	$461
18 monthsEarly withdrawal penalty is 270 days of interest. Dividends compounded quarterly and credited quarterly	3.70%	$560
19 monthsSpecial IRA certificate; early withdrawal penalty is 195 days of interest. Specials can be discontinued at any time and convert to normal product at expiration. Dividends compounded quarterly and credited quarterly	4.50%	$722
24 monthsEarly withdrawal penalty is 360 days of interest. Dividends compounded quarterly and credited quarterly	3.50%	$712
36 monthsEarly withdrawal penalty is 540 days of interest. Dividends compounded quarterly and credited quarterly	2.80%	$864
48 monthsEarly withdrawal penalty is 720 days of interest. Dividends compounded quarterly and credited quarterly	2.75%	$1,146
60 monthsEarly withdrawal penalty is 900 days of interest. Dividends compounded quarterly and credited quarterly	2.80%	$1,481

Sources (3)

All captured Oct 15, 2026

Who can join 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 within Florida Credit Union's 48-county field of membership.

Cost to join

Members are subject to maintaining a minimum $5 balance in savings upon approval.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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