Credit union · NCUA insured
Grow Financial CD Rates
Top CarrotGrow Financial’s best CD rate is 4.18% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Grow Financial’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where Grow Financial has the most branches. $10,000, best rate first.
This credit union’s best
Grow Financial
4.07%APY
- Term
- 24–29 months
- Minimum
- $500
- Earns on $10,000
- —
Certificate Account
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
Grow Financial CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.87%
- 9–15 months9–15 mo3.97%
- 16–30 months16–30 mo4.07%
- 31–60 months31–60 mo3.92%
- QualifiedQualified4.07%
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 Grow Financial 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 Account
Up to 4.07%APY · 8 terms
Minimum balance of $500.00 required to open and maintain the account; account will be closed if balance falls below requirements. Membership required.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6–11 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 3.97% | —3.97% from $100k | — |
| 6–11 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.87% | — | 3.87% | $192 |
| 12–17 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 4.07% | —4.07% from $100k | — |
| 12–17 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.97% | — | 3.97% | $397 |
| 18–23 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 3.92% | —3.92% from $100k | — |
| 18–23 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.82% | — | 3.82% | $578 |
| 24–29 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 4.18% | —4.18% from $100k | — |
| 24–29 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 4.07% | — | 4.07% | $831 |
| 30–35 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 3.71% | —3.71% from $100k | — |
| 30–35 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.61% | — | 3.61% | $927 |
| 36–47 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 3.82% | —3.82% from $100k | — |
| 36–47 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.71% | — | 3.71% | $1,155 |
| 48–59 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 3.82% | —3.82% from $100k | — |
| 48–59 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.71% | — | 3.71% | $1,569 |
| 60 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 4.02% | —4.02% from $100k | — |
| 60 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.92% | — | 3.92% | $2,120 |
Sources (2)
- growfinancial.org/membership/way-better-rates-3-3
- growfinancial.org/personal/cer…ira-certificate-accounts
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate Account
Up to 4.07%APY · 8 terms
Minimum balance of $500.00 required to open and maintain the account; account will be closed if balance falls below requirements. Certain restrictions apply on IRA Certificates; not all taxpayers are eligible. Membership required.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6–11 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 3.97% | —3.97% from $100k | — |
| 6–11 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.87% | — | 3.87% | $192 |
| 12–17 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 4.07% | —4.07% from $100k | — |
| 12–17 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.97% | — | 3.97% | $397 |
| 18–23 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 3.92% | —3.92% from $100k | — |
| 18–23 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.82% | — | 3.82% | $578 |
| 24–29 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 4.18% | —4.18% from $100k | — |
| 24–29 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 4.07% | — | 4.07% | $831 |
| 30–35 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 3.71% | —3.71% from $100k | — |
| 30–35 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.61% | — | 3.61% | $927 |
| 36–47 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 3.82% | —3.82% from $100k | — |
| 36–47 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.71% | — | 3.71% | $1,155 |
| 48–59 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 3.82% | —3.82% from $100k | — |
| 48–59 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.71% | — | 3.71% | $1,569 |
| 60 monthsMust maintain a daily balance of $100,000 in your account each day to obtain the disclosed APY | — | 4.02% | —4.02% from $100k | — |
| 60 monthsMust maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY | 3.92% | — | 3.92% | $2,120 |
Sources (2)
- growfinancial.org/membership/way-better-rates-3-3
- growfinancial.org/personal/cer…ira-certificate-accounts
All captured Oct 5, 2026
Who can join Grow Financial
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