Credit union · NCUA insured
Ocala Community Credit Union CD Rates
Ocala Community Credit Union’s best CD rate is 3.40% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Ocala Community Credit Union’s CD rates compare
Compared with banks and credit unions near Ocala, FL, where Ocala Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ocala Community Credit Union
3.40%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $169
Certificate of Deposits (CDs)
Top rate
Florida Credit Union
4.50%APY
- Term
- 19 months
- Minimum
- $1,000
- Earns on $10,000
- $722
2nd-highest rate
Gala Bank
4.30%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $878
Ocala Community Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo2.76%
- 31–60 months31–60 mo3.05%
- QualifiedQualified3.40%
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 Ocala Community 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.
Certificate of Deposits (CDs)
Up to 3.40%APY · 7 terms
CDs accrue daily and are paid quarterly. Substantial penalty for early withdrawal. Available through OcalaCCU App.
| Term | APY · $500 and up | APY · $5,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 2.65% | 2.65% | 2.65% | 2.65% | 2.65%2.65% from $5k2.65% from $50k2.65% from $100k | $66 |
| 6 months | 3.40% | 3.40% | 3.40% | 3.40% | 3.40%3.40% from $5k3.40% from $50k3.40% from $100k | $169 |
| 12 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% from $5k3.00% from $50k3.00% from $100k | $300 |
| 24 months | 2.76% | 2.76% | 2.76% | 2.76% | 2.76%2.76% from $5k2.76% from $50k2.76% from $100k | $560 |
| 36 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% from $5k3.00% from $50k3.00% from $100k | $927 |
| 48 months | 3.05% | 3.05% | 3.05% | 3.05% | 3.05%3.05% from $5k3.05% from $50k3.05% from $100k | $1,277 |
| 60 months | 3.05% | 3.05% | 3.05% | 3.05% | 3.05%3.05% from $5k3.05% from $50k3.05% from $100k | $1,621 |
Sources (1)
- ocalacommunitycu.com/rate-information · captured Sep 18, 2026
Special-purpose accounts
IRA Certificate of Deposits
Up to 3.05%APY · 5 terms
Available as Traditional IRA, ROTH IRA, Coverdell (Education) IRA, SEP IRA. CDs accrue daily and are paid quarterly. Substantial penalty for early withdrawal. Available through OcalaCCU App.
| Term | APY · $500 and up | APY · $5,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% from $5k3.00% from $50k3.00% from $100k | $300 |
| 24 months | 2.76% | 2.76% | 2.76% | 2.76% | 2.76%2.76% from $5k2.76% from $50k2.76% from $100k | $560 |
| 36 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% from $5k3.00% from $50k3.00% from $100k | $927 |
| 48 months | 3.05% | 3.05% | 3.05% | 3.05% | 3.05%3.05% from $5k3.05% from $50k3.05% from $100k | $1,277 |
| 60 months | 3.05% | 3.05% | 3.05% | 3.05% | 3.05%3.05% from $5k3.05% from $50k3.05% from $100k | $1,621 |
Sources (2)
All captured Sep 18, 2026
Who can join Ocala Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or attend school in, and businesses and other legal entities located within Marion County, Florida are eligible for membership.
Family and household
- Immediate family members (parents, children, spouses or surviving spouses, or any other relative by blood, marriage, or adoption) and domestic partners of eligible persons are eligible for membership.
Cost to join
- Pay a $3.00 membership fee upon joining.
- Deposit $5.00 into a Share Savings account (representing one share) which remains on deposit as long as you are a member.
Membership information collected October 5, 2026.