Credit union · NCUA insured
We Florida Financial CD Rates
We Florida Financial’s best CD rate is 3.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How We Florida Financial’s CD rates compare
Compared with banks and credit unions near Miami, FL, where We Florida Financial has the most branches. $10,000, best rate first.
This credit union’s best
We Florida Financial
3.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,877
CDs - Certificate Accounts
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
We Florida Financial CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo2.75%
- 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 We Florida Financial 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.
CDs - Certificate Accounts
Up to 3.50%APY · 4 terms
Rates and yields are subject to change without notice. Some accounts require a specific minimum balance to earn the stated APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. No broker or institutional deposits will be accepted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.00% | $100 |
| 12 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.25% | $225 |
| 24 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.75% | $558 |
| 60 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 3.50% | $1,877 |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
Jumbo CDs - Certificate Accounts
Up to 3.50%APY · 4 terms
Rates and yields are subject to change without notice. Some accounts require a specific minimum balance to earn the stated APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. No broker or institutional deposits will be accepted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.00% | — |
| 12 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.25% | — |
| 24 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.75% | — |
| 60 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 3.50% | — |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificate Accounts
Up to 3.50%APY · 4 terms
Rates and yields are subject to change without notice. Some accounts require a specific minimum balance to earn the stated APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. No broker or institutional deposits will be accepted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.00% | $100 |
| 12 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.25% | $225 |
| 24 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.75% | $558 |
| 60 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 3.50% | $1,877 |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
Jumbo IRA Certificate Accounts
Up to 3.50%APY · 4 terms
Rates and yields are subject to change without notice. Some accounts require a specific minimum balance to earn the stated APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. No broker or institutional deposits will be accepted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.00% | $100 |
| 12 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.25% | $225 |
| 24 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.75% | $558 |
| 60 monthsMinimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 3.50% | $1,877 |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
Closed to new customers
Legacy CDs - Certificate Accounts
Up to 2.90%APY · 9 terms
No Longer Available for Opening. Rates and yields are subject to change without notice. Some accounts require a specific minimum balance to earn the stated APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. No broker or institutional deposits will be accepted.
| Term | APY · $100 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months6 Month CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.85% | — | — | 2.85% | $141 |
| 6 months6 Month Jumbo CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | — | — | 2.85% | —2.85% from $50k | — |
| 7 months7 Month CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.90% | — | — | 2.90% | $168 |
| 7 months7 Month Special CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 1.79% | — | — | 1.79% | $104 |
| 9 months9 Month CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.75% | — | — | 2.75% | $206 |
| 12 months12 Month CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.75% | — | — | 2.75% | $275 |
| 12 months12 Month IRA Jumbo CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | — | 2.75% | — | 2.75% | $275 |
| 12 months12 Month Jumbo CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | — | — | 2.75% | —2.75% from $50k | — |
| 13 months13 Month CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 2.50% | — | — | 2.50% | $271 |
| 24 months24 Month Boost CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 1.01% | — | — | 1.01% | $203 |
| 30 months30 Month CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 1.01% | — | — | 1.01% | $254 |
| 30 months30 Month IRA CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 1.54% | — | — | 1.54% | $389 |
| 30 months30 Month Jumbo CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | — | — | 1.01% | —1.01% from $50k | — |
| 36 months36 Month IRA Boost CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 1.52% | — | — | 1.52% | $463 |
| 60 months60 Month IRA CD. Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed | 1.02% | — | — | 1.02% | $521 |
Sources (1)
- wefloridafinancial.com/about-us/rates · captured Oct 15, 2026
Who can join We Florida Financial
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 or works part- or full-time in one of 46 specified Florida counties is eligible to join.
Family and household
- Individuals living elsewhere can join if they have a relative who lives or works in any of the 46 eligible Florida counties and opens an account.
Cost to join
- A minimum deposit and balance of $5 is required to open a Member Savings account.
Membership information collected October 5, 2026.