Credit union · NCUA insured
Pinellas Federal Credit Union CD Rates
Pinellas Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Pinellas Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where Pinellas Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Pinellas Federal Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $400
Certificate Accounts
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
Pinellas Federal Credit Union CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.50%
- 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.
Where Pinellas 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.
Certificate Accounts
Up to 4.00%APY · 6 terms
Membership is open to anyone who lives, works, worships, attends school, or regularly does business in Pinellas County; state, county, or municipal employees; SEGs; or family of current members. Early withdrawal penalties may apply and may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance to earn dividends is $500. 6-Month Share Certificate rate does not apply to IRA Certificates | 3.25% | $161 |
| 12 monthsMinimum balance to earn dividends is $500 | 4.00% | $400 |
| 24 monthsMinimum balance to earn dividends is $500 | 3.75% | $764 |
| 36 monthsMinimum balance to earn dividends is $500 | 3.50% | $1,087 |
| 48 monthsMinimum balance to earn dividends is $500 | 3.50% | $1,475 |
| 60 monthsMinimum balance to earn dividends is $500 | 3.50% | $1,877 |
Special-purpose accounts
Individual Retirement Account (IRA) Certificates
Up to 3.75%APY · 5 terms
Available for 1 through 5 year terms. Choose from Traditional and Roth IRA Certificates. Membership eligibility requirements apply. Early withdrawal penalties may apply and may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance to earn dividends is $500 | 3.75% | $375 |
| 24 monthsMinimum balance to earn dividends is $500 | 3.50% | $712 |
| 36 monthsMinimum balance to earn dividends is $500 | 3.25% | $1,007 |
| 48 monthsMinimum balance to earn dividends is $500 | 3.25% | $1,365 |
| 60 monthsMinimum balance to earn dividends is $500 | 3.25% | $1,734 |
Who can join Pinellas Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, attend school or regularly do business in Pinellas County.
Employers and groups
- Membership is open to members of Select Employer Groups (SEGs), including Sunshine Savers Club.
Military, government and schools
- Membership is open to State, County or Municipal Employees.
Family and household
- Membership is open to individuals related to a current PFCU member.
Membership information collected October 5, 2026.