Credit union · NCUA insured
My Pensacola Credit Union CD Rates
My Pensacola Credit Union’s best CD rate is 3.50% APY on a 5-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 15, 2026.
How My Pensacola Credit Union’s CD rates compare
Compared with banks and credit unions near Pensacola, FL, where My Pensacola Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
My Pensacola Credit Union
3.50%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $144
Share Certificates
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
My Pensacola Credit Union CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo2.75%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 My Pensacola 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 3.50%APY · 8 terms
Minimum deposit balance to open is $1,000. No service fees. Penalty may be imposed for early withdrawal.
| Term | APY · $1,000 – $50,000 | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 months5 Months Special is for a limited time only with maximum funds of $50,000 and may end at any time. Specials rollover into Share Savings at maturity | 3.50% | — | 3.50% | $144 |
| 6 monthsMatures at the current rate for the same term | — | 2.00% | 2.00% | $100 |
| 12 monthsMatures at the current rate for the same term | — | 2.75% | 2.75% | $275 |
| 18 monthsMatures at the current rate for the same term | — | 3.00% | 3.00% | $453 |
| 24 monthsMatures at the current rate for the same term | — | 3.00% | 3.00% | $609 |
| 36 monthsMatures at the current rate for the same term | — | 3.00% | 3.00% | $927 |
| 48 monthsMatures at the current rate for the same term | — | 3.30% | 3.30% | $1,387 |
| 60 monthsMatures at the current rate for the same term | — | 3.50% | 3.50% | $1,877 |
Sources (3)
- mypensacolacu.com
- mypensacolacu.com/Rates/Savings-Rates
- mypensacolacu.com/Save-and-Spe…ounts/Share-Certificates
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificate
Up to 3.50%APY · 6 terms
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal | 2.75% | $275 |
| 18 monthsPenalty for early withdrawal | 3.00% | $453 |
| 24 monthsPenalty for early withdrawal | 3.00% | $609 |
| 36 monthsPenalty for early withdrawal | 3.00% | $927 |
| 48 monthsPenalty for early withdrawal | 3.30% | $1,387 |
| 60 monthsPenalty for early withdrawal | 3.50% | $1,877 |
Sources (1)
- mypensacolacu.com/Rates/Savings-Rates · captured Oct 5, 2026
Who can join My Pensacola Credit Union
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