Credit union · NCUA insured
Floridacentral Credit Union CD Rates
Floridacentral Credit Union’s best CD rate is 4.25% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Floridacentral Credit Union’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where Floridacentral Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Floridacentral Credit Union
4.25%APY
- Term
- 15 months
- Minimum
- —
- Earns on $10,000
- $534
Share Certificates
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
Floridacentral Credit Union CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo0.16%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo0.46%
- QualifiedQualified4.25%
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 Floridacentral 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 4.25%APY · 10 terms
Fixed dividend rate for the entire certificate term. Federally insured by NCUA. Early withdrawals are subject to a penalty. Membership eligibility required ($5 deposit in Member Share Account).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 0.16% | $8 |
| 9 monthsPromotional Share Certificate. Compounded and credited monthly. APY assumes interest remains on deposit until maturity | 3.75% | $280 |
| 11 monthsPromotional Share Certificate. Compounded and credited monthly. APY assumes interest remains on deposit until maturity | 4.00% | $366 |
| 12 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 0.21% | $21 |
| 15 monthsPromotional / Special Share Certificate. Compounded and credited monthly. APY assumes interest remains on deposit until maturity | 4.25% | $534 |
| 18 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 0.26% | $39 |
| 24 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 2.75% | $558 |
| 36 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 0.36% | $108 |
| 48 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 0.41% | $165 |
| 60 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 0.46% | $232 |
Sources (3)
- floridacentralcu.com/financial-tools/rates
- floridacentralcu.com/personal-…s/share-certificates-cds
- floridacentralcu.com
All captured Oct 15, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.25%APY · 10 terms
Fixed dividend rate for the entire certificate term. Available as Traditional or Roth IRA. Federally insured by NCUA. Withdrawals may be subject to IRS rules, taxes, or penalties depending on age and account type. Membership eligibility required ($5 deposit in Member Share Account).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 0.16% | $8 |
| 9 monthsPromotional Share Certificate. Compounded and credited monthly. APY assumes interest remains on deposit until maturity | 3.75% | $280 |
| 11 monthsPromotional Share Certificate. Compounded and credited monthly. APY assumes interest remains on deposit until maturity | 4.00% | $366 |
| 12 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 0.21% | $21 |
| 15 monthsPromotional / Special Share Certificate. Compounded and credited monthly. APY assumes interest remains on deposit until maturity | 4.25% | $534 |
| 18 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 0.26% | $39 |
| 24 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 2.75% | $558 |
| 36 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 0.36% | $108 |
| 48 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 0.41% | $165 |
| 60 monthsCompounded and credited monthly. APY assumes interest remains on deposit until maturity | 0.46% | $232 |
Who can join Floridacentral Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in Charlotte, DeSoto, Hillsborough, Lake, Manatee, Orange, Pasco, Pinellas, Polk, or Sarasota County, Florida.
Employers and groups
- Eligibility is open to individuals who work for a participating organization.
Family and household
- Eligibility is open to individuals who qualify through an immediate family member.
Cost to join
- A $5 initial share deposit opens a Member Share Account and establishes membership in Floridacentral Credit Union.
Membership information collected October 5, 2026.