Credit union · NCUA insured
Velocity Community Credit Union CD Rates
Velocity Community Credit Union’s best CD rate is 4.15% APY on an 11-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Velocity Community Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where Velocity Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Velocity Community Credit Union
4.15%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $380
11-Month Certificate Promotion
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
Velocity Community Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.15%
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 Velocity 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.
11-Month Certificate Promotion
4.15%APY · 1 term
Open with new money and a minimum deposit of $5,000. Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsNew money and minimum deposit of $5,000 required | 4.15% | $380 |
Sources (1)
- velocitycommunity.org/checking-savings/certificate-promo · captured Oct 5, 2026
Member Certificate
Up to 3.95%APY · 7 terms
Certificate rates remain fixed for the term of the certificate. Fees or other conditions could reduce earnings. Penalty may be imposed for early withdrawal.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.50% | — | 3.50% | $173 |
| 12 months | — | 3.95% | 3.95% | $395 |
| 18 months | — | 3.70% | 3.70% | $560 |
| 24 months | — | 3.50% | 3.50% | $712 |
| 36 months | — | 3.50% | 3.50% | $1,087 |
| 48 months | — | 3.50% | 3.50% | $1,475 |
| 60 months | — | 3.50% | 3.50% | $1,877 |
Sources (1)
- velocitycommunity.org/live-learn/our-rates · captured Oct 5, 2026
Bump-Up Certificate
3.10%APY · 1 term
Certificate rates remain fixed for the term of the certificate. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.10% | $630 |
Sources (1)
- velocitycommunity.org/live-learn/our-rates · captured Oct 5, 2026
Special-purpose accounts
MemberPLUS Certificate
Up to 4.00%APY · 7 terms
Requires qualifying for Member PLUS: member in good standing and either direct deposits of $750/month, $10,000 in combined deposits, active loan with Credit Union (including active VISA credit card within last 30 days), or 20+ debit transactions/month. Members age 24 and under do not automatically qualify for bonus CD rate unless meeting criteria. Certificate rates remain fixed for term. Penalty may be imposed for early withdrawal.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsRequires MemberPLUS qualification | 3.55% | — | 3.55% | $176 |
| 12 monthsRequires MemberPLUS qualification | — | 4.00% | 4.00% | $400 |
| 18 monthsRequires MemberPLUS qualification | — | 3.75% | 3.75% | $568 |
| 24 monthsRequires MemberPLUS qualification | — | 3.55% | 3.55% | $723 |
| 36 monthsRequires MemberPLUS qualification | — | 3.55% | 3.55% | $1,103 |
| 48 monthsRequires MemberPLUS qualification | — | 3.55% | 3.55% | $1,497 |
| 60 monthsRequires MemberPLUS qualification | — | 3.55% | 3.55% | $1,906 |
Sources (2)
All captured Oct 5, 2026
MemberPLUS IRA Certificate
Up to 4.00%APY · 7 terms
Requires qualifying for Member PLUS: member in good standing and either direct deposits of $750/month, $10,000 in combined deposits, active loan with Credit Union (including active VISA credit card within last 30 days), or 20+ debit transactions/month. Members age 24 and under do not automatically qualify for bonus CD rate unless meeting criteria. Certificate rates remain fixed for term. Penalty may be imposed for early withdrawal.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsRequires MemberPLUS qualification | 3.55% | — | 3.55% | $176 |
| 12 monthsRequires MemberPLUS qualification | — | 4.00% | 4.00% | $400 |
| 18 monthsRequires MemberPLUS qualification | — | 3.75% | 3.75% | $568 |
| 24 monthsRequires MemberPLUS qualification | — | 3.55% | 3.55% | $723 |
| 36 monthsRequires MemberPLUS qualification | — | 3.55% | 3.55% | $1,103 |
| 48 monthsRequires MemberPLUS qualification | — | 3.55% | 3.55% | $1,497 |
| 60 monthsRequires MemberPLUS qualification | — | 3.55% | 3.55% | $1,906 |
Sources (2)
All captured Oct 5, 2026
Member IRA Certificate
Up to 3.95%APY · 7 terms
Certificate rates remain fixed for the term of the certificate. Fees or other conditions could reduce earnings. Penalty may be imposed for early withdrawal.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.50% | — | 3.50% | $173 |
| 12 months | — | 3.95% | 3.95% | $395 |
| 18 months | — | 3.70% | 3.70% | $560 |
| 24 months | — | 3.50% | 3.50% | $712 |
| 36 months | — | 3.50% | 3.50% | $1,087 |
| 48 months | — | 3.50% | 3.50% | $1,475 |
| 60 months | — | 3.50% | 3.50% | $1,877 |
Sources (1)
- velocitycommunity.org/live-learn/our-rates · captured Oct 5, 2026
Youth Certificate
Up to 3.95%APY · 2 terms
Certificate rates remain fixed for the term of the certificate. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.95% | $395 |
Sources (1)
- velocitycommunity.org/live-learn/our-rates · captured Oct 5, 2026
Youth IRA Certificate
Up to 3.95%APY · 2 terms
Certificate rates remain fixed for the term of the certificate. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.95% | $395 |
Sources (1)
- velocitycommunity.org/live-learn/our-rates · captured Oct 5, 2026
Bump-Up IRA Certificate
3.10%APY · 1 term
Certificate rates remain fixed for the term of the certificate. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.10% | $630 |
Sources (1)
- velocitycommunity.org/live-learn/our-rates · captured Oct 5, 2026
Who can join Velocity 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
- Anyone who lives in Palm Beach County is eligible for membership.
- Anyone who attends school in Palm Beach County is eligible for membership.
- Anyone who works in Palm Beach County is eligible for membership.
- Anyone who worships in Palm Beach County is eligible for membership.
Family and household
- Individuals who have family eligible for membership can apply.
Membership information collected October 5, 2026.