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You are viewing rates from credit unions across Florida
Below are eighteen month Certificates of Deposit (CD) rates from credit unions in Florida. Eighteen Month CDs offer a bit more yield than 1 year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.
FL - August 17, 2025
18 Month CD National Average : 0.58% ?
| Credit Unions | APY | MIN | MILES ? | |
|---|---|---|---|---|
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5.00% |
$1,000 |
- |
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Rate History: 4.05% → 3.30% → 4.25% → 3.90% → 5.00% |
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4.91% 4.33% |
$1,000 $100,000 |
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Rate History: 4.80% → 4.59% → 4.44% → 4.76% → 4.91% |
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douglasmcrainey@gmail.com | Feb 6, 2023 Everyone was very friendly and helpful. Read More |
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4.86% 4.60%4.55% 4.50% |
$250,000 $100,000$45,000 $500 |
- |
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Rate History: 5.13% → 4.86% |
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4.70% 4.59% |
$100,000 $500 |
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Rate History: 4.44% → 4.70% |
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Why did I get a loan with them? | Nov 30, 2020 I will never do business with grow again. Very dissatisfied as a client. Read More |
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4.44% |
$2,500 |
- |
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4.35% 3.75% |
$500 $100,000 |
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Rate History: 3.50% → 4.35% |
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4.25% 4.00% |
$100,000 $500 |
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Rate History: 4.90% → 5.25% → 4.90% → 4.25% |
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Joyce0416 | Jan 12, 2022 I did a signature loan to pay off two credit cards in December 2021 of $10,000 @ 10.75 % Then 30 days later in January 2022 Suncoast offers its members to pay off your credit cards @ 5.9 % That did not s... Read More |
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4.23% |
$1,000 |
- |
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4.15% |
$1,000 |
- |
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Rate History: 2.75% → 1.50% → 2.75% → 1.50% → 4.15% |
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4.10% |
$500 |
- |
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philip gladchuk | Sep 30, 2016 what the rate on 5 years cd if your a elite member Read More |
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4.07% 3.82% |
$100,000 $500 |
- |
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Rate History: 2.53% → 3.30% → 4.59% → 4.07% |
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Run Away As Fast As You Can | Aug 15, 2019 I applied for a jumbo CD account over two weeks ago. They asked me for more documentation than my mortgage company did and then they did a hard credit pull. They advertise fast and simple they are simply n... Read More |
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4.00% |
$500 |
- |
Learn More
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|
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Rate History: 2.80% → 2.85% → 2.55% → 2.65% → 4.00% |
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4.00% |
$1,000 |
- |
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Rate History: 2.43% → 4.00% |
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4.00% |
$500 |
- |
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Rate History: 5.00% → 3.60% → 4.00% |
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3.87% |
$500 |
- |
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Rate History: 4.81% → 4.71% → 4.50% → 4.39% → 3.87% |
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Asheville Saver | Dec 30, 2018 Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in. Read More |
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3.85% 3.80% |
$100,000 $1,000 |
- |
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Rate History: 4.45% → 4.15% → 3.85% |
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Amanda Frank | Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More |
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3.80% |
$5,000 |
- |
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Rate History: 5.00% → 2.50% → 4.00% → 3.75% → 3.80% |
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3.75% |
$1,000 |
- |
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3.75% |
$50,000 |
- |
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Rate History: 5.25% → 0.75% → 4.50% → 3.75% |
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3.75% 3.50% |
$500 $50,000 |
- |
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Rate History: 2.50% → 4.55% → 4.45% → 4.00% → 3.75% |
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DT | Apr 13, 2020 OMG! The worst. If you want to take your money out it is very difficult. Even though the IRS doesn't require anyone to tell why they are taking money out unless it is more than $10k these people will n... Read More |
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3.60% 3.50% |
$50,000 $0 |
- |
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Sharon | Aug 8, 2023 The mobile banking issues happened during a planned conversion to a new platform. VyStar said all funds are secure. The bank is using local banking tech firm Nymbus to launch the new platform electing it a... Read More |
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3.55% 3.50% |
$100,000 $1,000 |
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3.50% 3.35%3.25% |
$100,000 $25,000$1,000 |
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Rate History: 2.20% → 3.50% |
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Melvin Markwardt | Oct 7, 2023 Have a problem that ICan not find an answer to in DFCU Financial. Trying to change info from USMail to Internet. They ask for my account number and the only thing I can find is onPurshing note. It is, H25... Read More |
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3.45% |
$500 |
- |
Learn More
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Rate History: 2.25% → 3.45% |
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3.25% |
$500 |
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Former member | Oct 17, 2018 This was a great credit union when it was Florida Telco. They have lost all their former great customer service. Trying care about their members anymore.... It's just like a bank Read More |
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3.25% 3.15% |
$75,000 $500 |
- |
Learn More
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Rate History: 3.50% → 3.30% → 3.50% → 3.15% → 3.25% |
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3.25% |
$1,000 |
- |
Learn More
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Rate History: 4.30% → 4.00% → 3.70% → 3.60% → 3.25% |
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Rob | Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More |
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3.15% |
$500 |
- |
Learn More
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3.05% 2.90%2.80% 2.75% 2.70% |
$100,000 $50,000$25,000 $2,500 $500 |
- |
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3.04% |
$1,000 |
- |
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|
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Rate History: 3.76% → 3.71% → 3.35% → 3.66% → 3.04% |
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2.95% |
$250 |
- |
Learn More
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Rate History: 2.75% → 2.95% |
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2.78% 2.53% |
$25,000 $2,000 |
- |
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2.75% |
$1,000 |
- |
Learn More
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ted | Jul 7, 2019 wrong rate! Read More |
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2.60% |
$500 |
- |
Learn More
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Mark Long | Apr 13, 2021 Please don't use Pen Air Federal Credit Union for a variety of reasons. The security system isn't set up with fraud in mind. The IRS deposited money into my child's account that wasn't intended for the mem... Read More |
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2.18% |
$500 |
- |
Learn More
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Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18% |
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member | Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More |
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2.00% |
$1,000 |
- |
Learn More
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Rate History: 1.50% → 1.75% → 2.00% |
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Carson76 | Feb 4, 2020 This is false advertising. The actual apy is 2.5º\º Read More |
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0.82% |
$10,000 |
- |
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0.81% |
$10,000 |
- |
Learn More
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0.80% |
$100,000 |
- |
Learn More
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0.80% |
$10,000 |
- |
Learn More
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0.80% |
$100,000 |
- |
Learn More
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0.80% |
$10,000 |
- |
Learn More
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0.80% |
$10,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
Learn More
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0.70% |
$10,000 |
- |
Learn More
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|
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0.70% 0.55% |
$10,000 $200 |
- |
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0.65% |
$10,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
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0.51% |
$10,000 |
- |
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|
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0.50% |
$10,000 |
- |
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|
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0.50% |
$10,000 |
- |
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|
|
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0.45% |
$50,000 |
- |
Learn More
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|
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0.45% |
$10,000 |
- |
Learn More
|
|
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0.40% |
$25,000 |
- |
Learn More
|
|
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0.36% |
$10,000 |
- |
Learn More
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0.35% |
$10,000 |
- |
Learn More
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|
|
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0.30% |
$10,000 |
- |
Learn More
|
|
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0.26% |
$500 |
- |
Learn More
|
|
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0.25% |
$1,000 |
- |
Learn More
|
|
|
0.25% |
$500 |
- |
Learn More
|
|
|
0.20% |
$10,000 |
- |
Learn More
|
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.
Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.
Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.
BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.
As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.
The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.
This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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