Florida

Image Courtesy: www.pixabay.com

Credit Union CD Rates – 2-Year – Florida

You are viewing rates from credit unions across Florida





Below are two year Certificates of Deposit (CD) rates from credit unions located in Florida. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on credit union and bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

FL - August 1, 2025

2 Year CD National Average : 0.66% ?

Credit Unions APY MIN MILES ?

Rate History: 5.35% → 5.25% → 5.00% → 2.38% → 4.75%

Rate History: 4.44% → 4.70%

| Nov 30, 2020

I will never do business with grow again. Very dissatisfied as a client. Read More

4.50%

2.78%

$25,000

$2,000

-

Learn More

Rate History: 5.51% → 5.58% → 4.44%

Rate History: 4.18% → 4.23% → 4.44% → 4.54% → 4.33%

| Feb 6, 2023

Everyone was very friendly and helpful. Read More

Rate History: 4.90% → 4.25%

| 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

Rate History: 4.51% → 4.25% → 4.30% → 4.19% → 3.97%

| Jun 22, 2023

BrightStar is great with members. The CD rate for 13 months is 4.75%! Read More

Rate History: 2.99% → 3.92%

| Jun 12, 2017

five star......great location...fast service Read More

Rate History: 5.35% → 3.80%

Rate History: 4.00% → 3.90% → 3.80%

| 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

Rate History: 4.33% → 3.81% → 3.76%

| 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

| Sep 30, 2016

what the rate on 5 years cd if your a elite member Read More

Rate History: 4.70% → 5.00% → 4.45% → 4.40% → 3.70%

Rate History: 4.81% → 4.50% → 4.29% → 4.18% → 3.67%

| 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

Rate History: 4.15% → 4.05% → 3.75% → 3.66%

| 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

Rate History: 4.07% → 3.82% → 3.76% → 3.71% → 3.60%

Rate History: 4.10% → 4.00% → 3.70% → 3.60%

| 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

Rate History: 5.00% → 2.50% → 3.55%

Rate History: 4.65% → 4.45% → 4.30% → 3.80% → 3.50%

Rate History: 3.00% → 3.50%

Rate History: 2.45% → 3.40% → 4.00% → 3.49%

Rate History: 3.70% → 3.40%

Rate History: 1.25% → 3.40%

| 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

Rate History: 1.11% → 4.32% → 3.55% → 3.29%

Rate History: 0.80% → 0.75% → 2.25% → 2.50% → 3.25%

Rate History: 4.20% → 4.00% → 3.60% → 3.55% → 3.20%

| 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

Rate History: 4.05% → 4.00% → 3.55% → 3.50% → 3.00%

Rate History: 3.50% → 3.10% → 3.25% → 2.90% → 3.00%

Rate History: 2.99% → 2.89%

| Jun 12, 2017

five star......great location...fast service Read More

Rate History: 4.10% → 4.55% → 3.55% → 2.85%

Rate History: 2.90% → 2.80%

Rate History: 2.27% → 2.02% → 2.27% → 2.53% → 2.78%

Rate History: 2.70% → 4.75% → 2.90% → 2.70% → 2.75%

| Jan 18, 2022

Need to see form for wiring money from another state to Panama City Florida USA Read More

| May 12, 2016

19 what, years or months Read More

| 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

Rate History: 2.85% → 2.90% → 2.65% → 2.70% → 2.65%

2.43%

2.32%
2.22%
2.12%

$100,000

$25,000
$5,000
$1,000

-

Learn More

| 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

Rate History: 1.75% → 2.00% → 2.25% → 2.15%

| Feb 4, 2020

This is false advertising. The actual apy is 2.5º\º Read More

Rate History: 2.00% → 1.99%

1.11%

$10,000

-

Learn More

0.99%

$10,000

-

Learn More

0.90%

$10,000

-

Learn More

0.90%

$10,000

-

Learn More

0.90%

$10,000

-

Learn More

Country Financial


Restrictions

0.90%

$10,000

-

Learn More

0.90%

$10,000

-

Learn More

| Jul 7, 2019

wrong rate! Read More

0.87%

$10,000

-

Learn More

0.85%

$100,000

-

Learn More

0.85%

$10,000

-

Learn More

0.80%

$10,000

-

Learn More

0.80%

$10,000

-

Learn More

0.80%

$10,000

-

Learn More

0.80%

$10,000

-

Learn More

0.80%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$500

-

Learn More

0.74%

$100,000

-

Learn More

0.70%

$10,000

-

Learn More

0.70%

$100,000

-

Learn More

0.70%

$10,000

-

Learn More

0.70%

$100,000

-

Learn More

0.70%

$10,000

-

Learn More

0.70%

$10,000

-

Learn More

Sun

Sun Branch
Restrictions

0.66%

$100,000

-

Learn More

0.65%

$100,000

-

Learn More

0.65%

$10,000

-

Learn More

0.65%

$10,000

-

Learn More

0.65%

$50,000

-

Learn More

0.65%

$100,000

-

Learn More

0.65%

$100,000

-

Learn More

0.61%

$10,000

-

Learn More

Sun

Sun Branch
Restrictions

0.61%

$10,000

-

Learn More

0.60%

$10,000

-

Learn More

0.60%

$10,000

-

Learn More

0.60%

$100,000

-

Learn More

0.60%

$10,000

-

Learn More

0.60%

$10,000

-

Learn More

0.55%

$25,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

| Feb 20, 2021

I have had an account here for many years. The company they have servicing their credit cards engages in disreputable business practices regarding chargebacks. They no longer answer their phone, insistin... Read More

| Dec 28, 2022

Commerical branch is terrible. Their overdraft fees are terrible and good luck getting anyone to cut you a break. Read More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

| Dec 28, 2022

Commerical branch is terrible. Their overdraft fees are terrible and good luck getting anyone to cut you a break. Read More

Bay

Bay Branch
Restrictions

0.41%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More
All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007


Branch Street City State
POWER FINANCIAL
Power Financial Power Financial Branch
2020 NW 150TH AVENUE PEMBROKE PINES FL
ITHINK FINANCIAL
Delray Delray Branch
1000 NW 17th Ave Delray Beach FL
GROW FINANCIAL
Grow Financial Grow Financial Branch
9927 Delaney Lake Dr. Tampa FL
GROW FINANCIAL
Grow Financial Grow Financial Branch
9927 Delaney Lake Dr. Tampa FL
TRAX
Railroad & Industria Railroad & Industria Branch
3710 50th St N Tampa FL
CAMPUS USA
Hunter's Walk Hunter's Walk Branch
5115 NW 43rd St Gainesville FL
COMMUNITY FIRST CREDIT UNION OF FLO
Community First Cred Community First Cred Branch
637 NORTH LEE STREET JACKSONVILLE FL
COMMUNITY FIRST CREDIT UNION OF FLO
Community First Cred Community First Cred Branch
637 NORTH LEE STREET JACKSONVILLE FL
ALL IN
Defuniak Springs Defuniak Springs Branch
1421 US Highway 331 S Defuniak Springs FL
COMMUNITY FIRST CREDIT UNION OF FLO
Community First Cred Community First Cred Branch
637 NORTH LEE STREET JACKSONVILLE FL
SUNCOAST
West Tampa (br 85) West Tampa (br 85) Branch
3300 N Armenia Ave Tampa FL
COMMUNITY FIRST CREDIT UNION OF FLO
Community First Cred Community First Cred Branch
637 NORTH LEE STREET JACKSONVILLE FL
ALL IN
Defuniak Springs Defuniak Springs Branch
1421 US Highway 331 S Defuniak Springs FL
EGLIN
Destin Branch Destin Branch
180 Main St Destin FL
SUNCOAST
West Tampa (br 85) West Tampa (br 85) Branch
3300 N Armenia Ave Tampa FL
NORTHROP GRUMMAN
Northrop Grumman Northrop Grumman Branch
5000 US 1 North, Bldg 60 St Augustine FL
BRIGHTSTAR
Brightstar Brightstar Branch
5901 Del Lago Circle Sunrise FL
AMERICAN AIRLINES
American Airlines American Airlines Branch
AAFCU - FLL, 1100 Lee Wagener Blvd., Suite 111 Fort Lauderdale FL
NORTHROP GRUMMAN
Northrop Grumman Northrop Grumman Branch
5000 US 1 North, Bldg 60 St Augustine FL
WINGS FINANCIAL
Wings Financial Wings Financial Branch
9647 Tradeport Drive Orlando FL
VYSTAR
Springfield Springfield Branch
1700 N Main St Jacksonville FL
GTE
Gte Gte Branch
711 E HENDERSON AVE TAMPA FL
SPACE COAST
Space Coast Credit Union-palm Springs (hialeah) Space Coast Credit Union-palm Springs (hialeah) Branch
1120 W 49th St Hialeah FL
PARTNERS
International Drive Branch International Drive Branch
13705 International Dr S Orlando FL
VYSTAR
Springfield Springfield Branch
1700 N Main St Jacksonville FL
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
225 S. Westmonte Drive, Suite 1175 Altamonte Springs FL
PUBLIX EMPLOYEES
Publix Employees Publix Employees Branch
3005 New Tampa Highway Lakeland FL
PARTNERS
International Drive Branch International Drive Branch
13705 International Dr S Orlando FL
FLORIDA
Country Oaks Country Oaks Branch
9680 SW 114th St Ocala FL
PARTNERS
International Drive Branch International Drive Branch
13705 International Dr S Orlando FL
ENVISION
Envision Envision Branch
440 N. MONROE ST. TALLAHASSEE FL
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
225 S. Westmonte Drive, Suite 1175 Altamonte Springs FL
VELOCITY COMMUNITY
Velocity Community Velocity Community Branch
2801 PGA Blvd Ste 120 Palm Beach Gard FL
EDUCATIONAL
South Florida Educat South Florida Educat Branch
7800 SW 117TH AVENUE MIAMI FL
PUBLIX EMPLOYEES
Publix Employees Publix Employees Branch
3005 New Tampa Highway Lakeland FL
GTE
Gte Gte Branch
711 E HENDERSON AVE TAMPA FL
EDUCATIONAL
South Florida Educat South Florida Educat Branch
7800 SW 117TH AVENUE MIAMI FL
TRAX
Railroad & Industria Railroad & Industria Branch
3710 50th St N Tampa FL
USF FEDERAL CREDIT UNION
Usf Credit Union Usf Credit Union Branch
13302 USF PALM DRIVE TAMPA FL
LAKE MICHIGAN
Lake Michigan Credit Union Lake Michigan Credit Union Branch
8635 Collier Blvd Naples FL
COMMUNITY CREDIT UNION OF FLORIDA
Community Community Branch
1030 S US HIGHWAY 1 ROCKLEDGE FL
TROPICAL FINANCIAL
Tropical Financial Tropical Financial Branch
3050 CORPORATE WAY MIRAMAR FL
121 FINANCIAL
Florida Telco Florida Telco Branch
9700 Touchton Road Jacksonville FL
COMMUNITY SOUTH
Bonifay Operations Bonifay Operations Branch
400 McLaughlin Ave Bonifay FL
TAMPA BAY
Tampa Bay Tampa Bay Branch
3815 N NEBRASKA AVE TAMPA FL
RADIFI
Westside Branch Westside Branch
7254 103rd St Jacksonville FL
ITHINK FINANCIAL
Delray Delray Branch
1000 NW 17th Ave Delray Beach FL
RADIFI
Westside Branch Westside Branch
7254 103rd St Jacksonville FL
BAXTER
Baxter Baxter Branch
11800 SW 147th Ave Miami FL
ACHIEVA CREDIT UNION
Palm Harbor Palm Harbor Branch
33715 US Highway 19 N Palm Harbor FL
RADIFI
Westside Branch Westside Branch
7254 103rd St Jacksonville FL
RADIFI
Westside Branch Westside Branch
7254 103rd St Jacksonville FL
ACHIEVA CREDIT UNION
Palm Harbor Palm Harbor Branch
33715 US Highway 19 N Palm Harbor FL
RADIFI
Westside Branch Westside Branch
7254 103rd St Jacksonville FL
AMERICAN AIRLINES
American Airlines American Airlines Branch
AAFCU - FLL, 1100 Lee Wagener Blvd., Suite 111 Fort Lauderdale FL
INSIGHT
Insight Insight Branch
480 S. KELLER ROAD ORLANDO FL
LOYALTY
Central Credit Union Central Credit Union Branch
6200 North W Street Pensacola FL
CAMPUS USA
Hunter's Walk Hunter's Walk Branch
5115 NW 43rd St Gainesville FL
FIRST COMMERCE
Florida Commerce Florida Commerce Branch
1620 Futura Drive, Suite 100 Tallahassee FL
FLORIDACENTRAL
Florida Central Florida Central Branch
3333 HENDERSON BLVD TAMPA FL
INSIGHT
Insight Insight Branch
480 S. KELLER ROAD ORLANDO FL
TYNDALL
Tyndall Tyndall Branch
3109 Minnesota Avenue Panama City FL
PEN AIR
Corry Station Corry Station Branch
5570 W Highway 98 Pensacola FL
MCCOY
Mccoy Mccoy Branch
35 W Michigan St Orlando FL
MCCOY
Mccoy Mccoy Branch
35 W Michigan St Orlando FL
MCCOY
Mccoy Mccoy Branch
35 W Michigan St Orlando FL
MIDFLORIDA
Midflorida Midflorida Branch
129 S Kentucky Ave. Lakeland FL
MCCOY
Mccoy Mccoy Branch
35 W Michigan St Orlando FL
FAIRWINDS
Sanford Sanford Branch
261 E Airport Blvd Sanford FL
WINGS FINANCIAL
Wings Financial Wings Financial Branch
9647 Tradeport Drive Orlando FL
WINGS FINANCIAL
Wings Financial Wings Financial Branch
9647 Tradeport Drive Orlando FL
WINGS FINANCIAL
Wings Financial Wings Financial Branch
9647 Tradeport Drive Orlando FL
WINGS FINANCIAL
Wings Financial Wings Financial Branch
9647 Tradeport Drive Orlando FL
JAX FIRE
Jacksonville Firemen Jacksonville Firemen Branch
2205 Haines Street Jacksonville FL
CITY & POLICE
City & Police City & Police Branch
4675 Sunbeam Rd Jacksonville FL
PEOPLE'S ALLIANCE
People's Alliance People's Alliance Branch
5757 Blue Lagoon Drive, Suite 100 Miami FL
PLATINUM
Platinum Platinum Branch
7031 Grand National Dr Ste 108 Orlando FL
HARVESTERS
Blue Angel Crossing Blue Angel Crossing Branch
9285 W Highway 98 Pensacola FL
TOGETHER
Anheuser-busch Emplo Anheuser-busch Emplo Branch
155 Busch Drive Jacksonville FL
FIRST FLORIDA
First Florida First Florida Branch
500 WEST 1ST STREET JACKSONVILLE FL
ALIVE
Healthcare's Coopera Healthcare's Coopera Branch
9790 TOUCHTON ROAD JACKSONVILLE FL
JM ASSOCIATES
J. M. Associates J. M. Associates Branch
8019 Bayberry Road Jacksonville FL
INNOVATIONS
Innovations Innovations Branch
910 Thomas Drive Panama City FL
SOUTH FLORIDA
Branch Office-cedars Branch Office-cedars
1400 NW 12th Ave Miami FL
GEICO
Geico Geico Branch
3535 WEST PIPKIN ROAD LAKELAND FL
JM ASSOCIATES
J. M. Associates J. M. Associates Branch
8019 Bayberry Road Jacksonville FL
TALLAHASSEE COMMUNITY
Tallahassee Tallahassee Branch
216 W. College Avenue, Suite 203 Tallahassee FL
PANHANDLE EDUCATORS
Panhandle Educators Fcu Panhandle Educators Fcu Branch
2718 Martin Luther King Jr Blvd Panama City FL
SANTA ROSA COUNTY
Santa Rosa County Santa Rosa County Branch
5909 Stewart St Milton FL
MIAMI POSTAL SERVICE
Miami Postal Service Miami Postal Service Branch
2190 NW 72 AVENUE MIAMI FL
MIAMI
Miami Miami Branch
51 SW 1ST AVENUE, SUITE 604 MIAMI FL
SAN ANTONIO CITIZENS
San Antonio Citizens San Antonio Citizens Branch
12542 CURLEY RD SAN ANTONIO FL
FLORIDA RURAL ELECTRIC
Florida Rural Electr Florida Rural Electr Branch
2916 Apalachee Parkway Tallahassee FL
MEMBERS FIRST CREDIT UNION OF FLORI
Members First Credit Members First Credit Branch
64 South Reus Street Pensacola FL
COASTLINE
Coastline Coastline Branch
4651 Emerson Street Jacksonville FL
MIAMI FIREFIGHTERS
Miami Firefighters Miami Firefighters Branch
1111 NW 7TH ST MIAMI FL
EVERENCE
Mennonite Financial Mennonite Financial Branch
3407 Bahia Vista St Sarasota FL
FAITH CONNECTION
Georgia Florida Unit Georgia Florida Unit Branch
500 South Florida Avenue, Suite 515 Lakeland FL
TRUGROCER
Trugrocer Trugrocer Branch
3305 Lake Breeze Orlando FL
FIRST COAST COMMUNITY
First Coast Communit First Coast Communit Branch
306 S Palm Ave Palatka FL
JACKSONVILLE POSTAL & PROFESSIONAL
Jacksonville Postal Jacksonville Postal Branch
1820 ROGERO ROAD JACKSONVILLE FL
SUN
Sun Sun Branch
4205 HOLLYWOOD BLVD HOLLYWOOD FL
CONNECT CREDIT UNION
Florida Transportati Florida Transportati Branch
3400 W COMMERCIAL BLVD FORT LAUDERDALE FL
OKALOOSA COUNTY TEACHERS
Okaloosa County Teac Okaloosa County Teac Branch
1126 N. Ferdon Blvd. Crestview FL
TRUGROCER
Trugrocer Trugrocer Branch
3305 Lake Breeze Orlando FL
BAPTIST HEALTH SOUTH FLORIDA
Baptist Health South Baptist Health South Branch
7315 SW 87 Ave Suite 300 Miami FL
ADVENTHEALTH
Florida Hospital Florida Hospital Branch
115 Boston Ave, Suite 2400 Altamonte Sprin FL
OCALA COMMUNITY
Ocala Community Ocala Community Branch
303 SE OSCEOLA AVE OCALA FL
GULF STATES
Gulf States Gulf States Branch
9405 S Us Highway 17/92 Maitland FL
SUN
Sun Sun Branch
4205 HOLLYWOOD BLVD HOLLYWOOD FL
CONNECT CREDIT UNION
Florida Transportati Florida Transportati Branch
3400 W COMMERCIAL BLVD FORT LAUDERDALE FL
JETSTREAM
Jetstream Jetstream Branch
6600 COWPEN ROAD MIAMI LAKES FL
LAW ENFORCEMENT & TECHNOLOGY
United Police United Police Branch
400 NW 2ND AVENUE, ROOM # 309 MIAMI FL
MIAMI
Miami Miami Branch
51 SW 1ST AVENUE, SUITE 604 MIAMI FL
EVERENCE
Mennonite Financial Mennonite Financial Branch
3407 Bahia Vista St Sarasota FL
COASTLINE
Coastline Coastline Branch
4651 Emerson Street Jacksonville FL
BAPTIST HEALTH SOUTH FLORIDA
Baptist Health South Baptist Health South Branch
7315 SW 87 Ave Suite 300 Miami FL
LAW ENFORCEMENT & TECHNOLOGY
United Police United Police Branch
400 NW 2ND AVENUE, ROOM # 309 MIAMI FL
TRANSPORT
Service 1st Cu Service 1st Cu Branch
8916 SABAL INDUSTRIAL BLVD. TAMPA FL
ADVENTHEALTH
Florida Hospital Florida Hospital Branch
115 Boston Ave, Suite 2400 Altamonte Sprin FL
CHAMPIONS FIRST
Florida State Univer Florida State Univer Branch
2806 Sharer Road Tallahassee FL
T M H
T M H T M H Branch
345 South Magnolia Drive, Suite F-1 Tallahassee FL
BROWARD HEALTHCARE
Broward Healthcare Broward Healthcare Branch
2350 W COMMERCIAL BLVD FORT LAUDERDALE FL
TAMPA POSTAL
Tampa Postal Tampa Postal Branch
15916 N. Florida Ave. Lutz FL
PRIORITY ONE CREDIT UNION
Priority One Credit Priority One Credit Branch
3000 UNIVERSITY DRIVE SUNRISE FL
OCALA COMMUNITY
Ocala Community Ocala Community Branch
303 SE OSCEOLA AVE OCALA FL
TALLAHASSEE-LEON
Tallahassee-leon Tallahassee-leon Branch
1827 Capital Circle NE Tallahassee FL
BROWARD HEALTHCARE
Broward Healthcare Broward Healthcare Branch
2350 W COMMERCIAL BLVD FORT LAUDERDALE FL
HELLO
Bay Bay Branch
601 Hwy 231 Panama City FL
FICARE
St. Josephs Hospital St. Josephs Hospital Branch
3001 W DR MARTIN LUTHER KING JR BLV TAMPA FL
UNIVERSITY
University University Branch
13241 SW 136 STREET MIAMI FL
POWER FINANCIAL
Power Financial Power Financial Branch
2020 NW 150TH AVENUE PEMBROKE PINES FL
MY HEALTHCARE
Hca Hca Branch
916 NW 66TH STREET, SUITE 5 GAINESVILLE FL
SUNSTATE
Sunstate Sunstate Branch
405 SE 2 PL Gainesville FL
FLAG
Flag Flag Branch
3115 Conner Blvd Tallahassee FL
PRIORITY
Central Florida Post Central Florida Post Branch
301 East Michigan Street Orlando FL


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

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.

NCUA Insurance

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.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

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.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a 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.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates