Credit union · NCUA insured
Members First CU of Florida CD Rates
Members First CU of Florida’s best CD rate is 2.80% APY on a 5-year share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How Members First CU of Florida’s CD rates compare
Compared with banks and credit unions near Pensacola, FL, where Members First CU of Florida has the most branches. $10,000, best rate first.
This credit union’s best
Members First CU of Florida
2.80%APY
- Term
- 60–120 months
- Minimum
- $500
- Earns on $10,000
- —
Bump-Up Certificate of Deposit
Top rate
United Bank
4.35%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $660
2nd-highest rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
Members First CU of Florida CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.60%
- 31–60 months31–60 mo2.80%
- QualifiedQualified2.80%
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 Members First CU of Florida 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.
Bump-Up Certificate of Deposit
Up to 2.80%APY · 4 terms
Option to bump up the interest rate to a higher rate once during the life of the CD on 24 months or longer terms. Dividends calculated by Average Daily Balance Method. Membership share requirement $5.00. Early withdrawal penalties apply. Automatic renewal with 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsMember has discretion to increase rate one time | 2.60% | $527 |
| 36 monthsMember has discretion to increase rate one time | 2.70% | $832 |
| 48 monthsMember has discretion to increase rate one time | 2.75% | $1,146 |
| 60–120 monthsMember has discretion to increase rate one time | 2.80% | $1,481 |
Add-On Certificate
2.50%APY · 1 term
Ability to add up to $2,500.00 per month. Dividends calculated by Average Daily Balance Method. Membership share requirement $5.00. Early withdrawal penalties apply. Automatic renewal with 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAbility to add up to $2,500 per month | 2.50% | $250 |
| 12 monthsAdditional deposits allowed up to $2,500.00 per month | 2.50% | $250 |
Certificate of Deposit
Up to 2.50%APY · 4 terms
Dividends calculated by Average Daily Balance Method. Early withdrawal penalties apply. Automatic renewal with 10-day grace period. Compounding monthly. Membership share requirement $5.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 0.25% | $2 |
| 3 months | 0.90% | $22 |
| 6 months | 2.00% | $100 |
| 12 months | 2.50% | $250 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.70%APY · 4 terms
Available as Traditional or Roth IRA. Interest compounded and credited monthly. Automatic renewal with 10-day grace period. Early withdrawal penalty applies (90 days interest). Dividends calculated by Average Daily Balance Method. Membership share requirement $5.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAdditional deposits allowed | 2.50% | $250 |
| 12 monthsNo minimum balance to open per IRA product overview | 2.50% | $250 |
| 18 monthsAdditional deposits allowed | 2.55% | $385 |
| 24 monthsAdditional deposits allowed | 2.60% | $527 |
| 24 monthsNo minimum balance to open per IRA product overview | 2.60% | $527 |
| 36 monthsAdditional deposits allowed | 2.70% | $832 |
Youth Add-On Certificate
0.90%APY · 1 term
For youth members ages 18 and under. Ability to add up to $2,500.00 per month. Dividends calculated by Average Daily Balance Method. Membership share requirement $5.00. Automatic renewal with 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAdditional deposits allowed up to $2,500.00 per month | 0.90% | $22 |
| 3 monthsFor youth members ages 18 and under; add up to $2,500 per month | 0.90% | $22 |
Who can join Members First CU of Florida
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside or work in Escambia, Santa Rosa or Okaloosa counties are eligible for membership.
Employers and groups
- Current, former, and retired employees or groups on retainer or holding a contract with Sterling Fibers (Pace Plant), Cytec Industries, American Cyanamid, or Cyanamid Employees Credit Union are eligible for membership.
- Groups within Santa Rosa County with 20 or more employees whose function is construction, manufacturing or industrial are eligible for membership.
Military, government and schools
- Members or associate members of the Escambia Retired Educators Association are eligible for membership.
- Active or retired employees of any educational institution in Escambia, Santa Rosa or Okaloosa counties are eligible for membership.
- Employees of the State of Florida who work in Escambia, Santa Rosa, Okaloosa, or Walton County, Florida are eligible for membership.
3 more ways to join
Military, government and schools
- Students or former students of any educational institution in Escambia, Santa Rosa or Okaloosa counties are eligible for membership.
Family and household
- Members of the immediate family of any eligible individual are eligible for membership.
Other ways
- All members of Florida State Employees Federal Credit Union as of the effective date of the merger into Members First Credit Union of Florida are eligible for membership.
Cost to join
- There is no membership fee to open an account; members must maintain a Regular Savings (Share) Account with a minimum balance of $5.00.
Membership information collected October 5, 2026.