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Credit union · NCUA insured

Monroe County Teachers Federal Credit Union CD Rates

Monroe County Teachers Federal Credit Union’s best CD rate is 4.00% APY on a 5-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 15, 2026.

How Monroe County Teachers Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Key West, FL, where Monroe County Teachers Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    Monroe County Teachers Federal Credit Union

    4.00%APY

    Term
    60 months
    Requires
    None
    Minimum
    $10,000
    Earns on $10,000
    $2,167

    Share Certificates

  • Top rate

    Wells Fargo

    4.25%APY

    Term
    11 months
    Requires
    Another account
    Minimum
    $5,000
    Earns on $10,000
    $389

    Wells Fargo rates

  • 3rd-highest rate

    Bank of America

    3.75%APY

    Term
    7 months
    Requires
    None
    Minimum
    $1,000
    Earns on $10,000
    $217

    Bank of America rates

Compare CD rates near you →

Monroe County Teachers Federal Credit Union CD score

73

CD score

Higher than 33% of U.S. banks and credit unions

By term
  • 9–15 months9–15 mo2.00%
  • 16–30 months16–30 mo2.50%
  • 31–60 months31–60 mo4.00%
  • QualifiedQualified4.00%

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 Monroe County Teachers Federal 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.

Who can join Monroe County Teachers Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of this credit union are eligible for membership.
  • Volunteers of the covered employee groups are eligible to join.
  • Organizations of eligible persons are eligible for membership.

Military, government and schools

  • Employees of Monroe County District School Board and Florida Keys Community College who work in Monroe County, Florida, as well as students of the Monroe County School District and Keys Community College are eligible for membership.
  • Persons retired as pensioners of annuitants from qualifying employment are eligible for membership.

Family and household

  • Members of the immediate families of eligible persons—including relatives by blood, marriage or legal adoption, spouses, parents, children, grandchildren, and siblings—are eligible to join.
1 more way to join

Other ways

  • Spouses of persons who died while within the field of membership of this credit union are eligible to join.

Cost to join

  • A $5.00 minimum balance is required to keep your account active and avoid a monthly service fee.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Monroe County Teachers Federal Credit Union overview