Credit union · NCUA insured
San Antonio Citizens Federal Credit Union CD Rates
San Antonio Citizens Federal Credit Union’s best CD rate is 3.60% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked September 24, 2026.
How San Antonio Citizens Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Tampa, FL, where San Antonio Citizens Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
San Antonio Citizens Federal Credit Union
3.60%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,934
Share Certificate
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
San Antonio Citizens Federal Credit Union CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.40%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.60%
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 San Antonio Citizens 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.
Share Certificate
Up to 3.60%APY · 7 terms
Dividends are compounded daily and credited monthly to the certificate. Penalties for early withdrawal apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.25% | $161 |
| 12 months | 3.30% | $330 |
| 18 months | 3.35% | $507 |
| 24 months | 3.40% | $692 |
| 36 months | 3.45% | $1,071 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.60% | $1,934 |
Special-purpose accounts
IRA Certificate
Up to 3.60%APY · 7 terms
Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.25% | $161 |
| 12 months | 3.30% | $330 |
| 18 months | 3.35% | $507 |
| 24 months | 3.40% | $692 |
| 36 months | 3.45% | $1,071 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.60% | $1,934 |
Sources (1)
- sacfcu.org/rates · captured Sep 18, 2026
Who can join San Antonio Citizens 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Open to anyone who lives, works, worships, or attends school in Pasco and Hernando Counties.
Employers and groups
- Open to all businesses located in Pasco and Hernando County, as well as businesses located outside the field of membership owned by persons eligible for membership.
Family and household
- Open to immediate family members of all current or eligible members.
Cost to join
- Requires opening a Savings account with as little as $5.00 by visiting one of four offices.
Membership information collected October 5, 2026.