Credit union · NCUA insured
Florida West Coast CU CD Rates
Top CarrotFlorida West Coast CU’s best CD rate is 4.08% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 15, 2026.
How Florida West Coast CU’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where Florida West Coast CU has the most branches. $10,000, best rate first.
This credit union’s best
Florida West Coast CU
4.08%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $408
Certificates of Deposit
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
Florida West Coast CU CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo4.08%
- 16–30 months16–30 mo3.82%
- QualifiedQualified4.08%
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 Florida West Coast CU 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 4.08%APY · 3 terms
Penalties for early withdrawal of principal. Deposits insured up to $250,000.00.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 3.82% | 3.82% | $189 |
| 12 months | 4.08% | — | 4.08% | $408 |
| 24 months | — | 3.82% | 3.82% | $779 |
Who can join Florida West Coast CU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Hillsborough and Pasco County Government employees are eligible for membership.
- Sheriff's Office employees and State of Florida employees are eligible for membership.
Family and household
- Family members of eligible employees/members are eligible to join.
Cost to join
- A initial deposit of $10.00 is required to join.
Membership information collected October 5, 2026.