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You are viewing savings rates in Fort Lauderdale, Florida

Fort Lauderdale, Florida Credit Union Savings Rates 2019

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

Fort Lauderdale, FL - June 18, 2019

Savings Account National Average Rate: 0.22% ?

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Credit UnionS APY Vs.
Nat'l
Av.
MIN Miles?
People's Alliance
Restrictions
1.97% 9.08x $25 4613.32
American Airlines
Restrictions
1.97% 9.08x $1 4614.40
Florida Central
Restrictions
1.26% 5.81x $25,000 4779.75
Alive
Restrictions
1.11% 5.12x $25,000 4801.78
1.10% 5.07x $20,000 4621.83
Alive
Restrictions
1.00% 4.61x $2,500 4801.78
Florida Central
Restrictions
1.00% 4.61x $2,500 4779.75
0.90% 4.15x $25,000 4748.19
0.90% 4.15x $25,000 4777.88
Vystar
Restrictions
0.90% 4.15x $25,000 4811.85
0.85% 3.92x $10,000 4748.19
Space Coast
Restrictions
0.85% 3.92x $25,000 4696.13
Vystar
Restrictions
0.85% 3.92x $10,000 4811.85
0.80% 3.69x $2,500 4748.19
Jax
Restrictions
0.80% 3.69x $25,000 4809.32
Tyndall
Restrictions
0.80% 3.69x $25,000 4996.12
0.80% 3.69x $2,500 5081.41
0.80% 3.69x $25,000 4621.83
Pen Air
Restrictions
0.75% 3.46x $25,000 5082.00
Geico
Restrictions
0.75% 3.46x $25,000 4757.27
City & Police
Restrictions
0.75% 3.46x $25,000 4801.85
0.75% 3.46x $10,000 4777.88
Space Coast
Restrictions
0.75% 3.46x $10,000 4696.13
Eglin
Restrictions
0.70% 3.23x $25,000 5048.56
Jax
Restrictions
0.70% 3.23x $10,000 4809.32
Geico
Restrictions
0.70% 3.23x $5,000 4757.27
0.70% 3.23x $2,000 4777.88
0.70% 3.23x $2,500 4621.83
Eglin
Restrictions
0.65% 3.00x $10,000 5048.56
0.65% 3.00x $25,000 4618.51
Jax
Restrictions
0.65% 3.00x $2,500 4809.32
Sunstate
Restrictions
0.65% 3.00x $10,000 4820.11
0.65% 3.00x $10,000 5056.89
0.65% 3.00x $25,000 4939.23
Vystar
Restrictions
0.65% 3.00x $2,500 4811.85
Coastline
Restrictions
0.61% 2.81x $10,000 4805.46
Eglin
Restrictions
0.60% 2.76x $2,500 5048.56
Pen Air
Restrictions
0.60% 2.76x $2,500 5082.00
Tyndall
Restrictions
0.60% 2.76x $1,000 4996.12
0.60% 2.76x $2,500 5056.89
0.60% 2.76x $25,000 4809.21
Coastline
Restrictions
0.56% 2.58x $2,500 4805.46
Tampa Postal
Restrictions
0.55% 2.54x $25,000 4782.27
Grow Financial
Restrictions
0.55% 2.53x $25,000 4771.83
0.55% 2.53x $10,000 4809.21
0.50% 2.31x $25,000 4619.42
Partners
Restrictions
0.50% 2.30x $25,000 4746.08
City & Police
Restrictions
0.50% 2.30x $2,500 4801.85
0.50% 2.30x $2,500 4809.21
Space Coast
Restrictions
0.50% 2.30x $2,500 4696.13
Envision
Restrictions
0.50% 2.30x $25,000 4937.55
Ocala Community
Restrictions
0.50% 2.30x $25,000 4794.66
Tampa Postal
Restrictions
0.45% 2.08x $10,000 4782.27
0.45% 2.08x $10,000 4619.42
0.45% 2.07x $25,000 4609.46
Gte
Restrictions
0.45% 2.07x $10,000 4778.01
0.45% 2.07x $1,500 5033.39
Jm Associates
Restrictions
0.45% 2.07x $2,500 4801.92
0.45% 2.07x $25,000 4779.14
Community
Restrictions
0.45% 2.07x $7,500 4705.57
First Florida
Restrictions
0.45% 2.07x $25,000 4809.10
Brightstar
Restrictions
0.45% 2.07x $25,000 4619.77
0.45% 2.07x $5,000 4939.23
Ocala Community
Restrictions
0.45% 2.07x $10,000 4794.66
Suncoast
Restrictions
0.45% 2.07x $25,000 4775.35
0.40% 1.85x $2,500 4619.42
South Florida
Restrictions
0.40% 1.84x $2,500 4610.11
Ficare
Restrictions
0.40% 1.84x $2,500 4780.44
0.40% 1.84x $10,000 4609.46
0.40% 1.84x $100 4615.47
Pen Air
Restrictions
0.40% 1.84x $25 5082.00
Partners
Restrictions
0.40% 1.84x $2,500 4746.08
Dade County
Restrictions
0.40% 1.84x $5,000 4617.32
Envision
Restrictions
0.40% 1.84x $10,000 4937.55
0.40% 1.84x $1,000 4939.23
0.40% 1.84x $25,000 4644.44
0.40% 1.84x $10,000 4618.34
0.39% 1.80x $10,000 4618.51
Tampa Postal
Restrictions
0.35% 1.62x $1,000 4782.27
0.35% 1.61x $2,500 4609.46
0.35% 1.61x $2,500 4615.47
Gte
Restrictions
0.35% 1.61x $2,500 4778.01
People's Alliance
Restrictions
0.35% 1.61x $25,000 4613.32
Grow Financial
Restrictions
0.35% 1.61x $10,000 4771.83
Tyndall
Restrictions
0.35% 1.61x $1,000 4996.12
0.35% 1.61x $10,000 4996.05
Jm Associates
Restrictions
0.35% 1.61x $100 4801.92
Community
Restrictions
0.35% 1.61x $2,500 4705.57
Lake Michigan
Restrictions
0.35% 1.61x $25,000 5829.48
Envision
Restrictions
0.35% 1.61x $10,000 4937.55
Brightstar
Restrictions
0.35% 1.61x $10,000 4619.77
First Choice
Restrictions
0.35% 1.61x $25,000 4627.27
Ocala Community
Restrictions
0.35% 1.61x $2,500 4794.66
0.35% 1.61x $10,000 4644.44
Wings Financial
Restrictions
0.35% 1.61x $5,000 4737.14
Suncoast
Restrictions
0.35% 1.61x $1,000 4775.35
0.32% 1.47x $2,500 4618.51
Eglin
Restrictions
0.30% 1.38x $5 5048.56
Chartway
Restrictions
0.30% 1.38x $25,000 4785.47
Orlando
Restrictions
0.30% 1.38x $25,000 4742.88
People's Alliance
Restrictions
0.30% 1.38x $2,500 4613.32
Grow Financial
Restrictions
0.30% 1.38x $1,000 4771.83
Santa Rosa County
Restrictions
0.30% 1.38x $25 5076.34
0.30% 1.38x $5 5056.89
0.30% 1.38x $25,000 4613.24
Coral Community
Restrictions
0.30% 1.38x $25,000 4615.78
Platinum
Restrictions
0.30% 1.38x $10,000 4743.99
0.30% 1.38x $2,500 4621.54
121 Financial
Restrictions
0.30% 1.38x $20,000 4801.95
Lake Michigan
Restrictions
0.30% 1.38x $10,000 5829.48
Envision
Restrictions
0.30% 1.38x $2,500 4937.55
Guardians
Restrictions
0.30% 1.38x $1,000 4823.85
First Commerce
Restrictions
0.30% 1.38x $25,000 4935.90
Wings Financial
Restrictions
0.30% 1.38x $25,000 4737.14
0.25% 1.15x $1 4748.19
Star Usa
Restrictions
0.25% 1.15x $50,000 -
United Police
Restrictions
0.25% 1.15x $5,000 4605.59
Innovations
Restrictions
0.25% 1.15x $1,000 5000.82
Everence
Restrictions
0.25% 1.15x $25,000 4762.78
0.25% 1.15x $1 4996.05
0.25% 1.15x $2,500 4631.78
0.25% 1.15x $5,000 4613.24
T M H
Restrictions
0.25% 1.15x $1 4936.37
0.25% 1.15x $5 5033.39
Coral Community
Restrictions
0.25% 1.15x $10,000 4615.78
0.25% 1.15x $10,000 4779.14
Platinum
Restrictions
0.25% 1.15x $1 4743.99
Jetstream
Restrictions
0.25% 1.15x $25,000 4617.68
0.25% 1.15x $100 5081.30
First Florida
Restrictions
0.25% 1.15x $2,500 4809.10
0.25% 1.15x $2,500 4621.54
121 Financial
Restrictions
0.25% 1.15x $100 4801.95
Lake Michigan
Restrictions
0.25% 1.15x $100 5829.48
Bay
Restrictions
0.25% 1.15x $10,000 4991.71
0.25% 1.15x $100 4809.21
Space Coast
Restrictions
0.25% 1.15x $500 4696.13
Priority
Restrictions
0.25% 1.15x $25,000 4741.55
0.25% 1.15x $5 4614.68
Brightstar
Restrictions
0.25% 1.15x $2,500 4619.77
First Choice
Restrictions
0.25% 1.15x $10,000 4627.27
Ocala Community
Restrictions
0.25% 1.15x $100 4794.66
Campus Usa
Restrictions
0.25% 1.15x $10,000 4827.92
Fairwinds
Restrictions
0.25% 1.15x $10,000 4746.40
0.25% 1.15x $1,000 4644.44
0.25% 1.15x $25,000 4934.48
Vystar
Restrictions
0.25% 1.15x $50 4811.85
Chartway
Restrictions
0.20% 0.92x $10,000 4785.47
Orlando
Restrictions
0.20% 0.92x $200 4742.88
Tallahassee-leon
Restrictions
0.20% 0.92x $25,000 4939.20
Innovations
Restrictions
0.20% 0.92x $100 5000.82
Mccoy
Restrictions
0.20% 0.92x $1,000 4738.84
0.20% 0.92x $2,500 4756.74
0.20% 0.92x $2,500 4613.24
Partners
Restrictions
0.20% 0.92x $2,500 4746.08
0.20% 0.92x $1 4779.14
Dade County
Restrictions
0.20% 0.92x $2,500 4617.32
Jetstream
Restrictions
0.20% 0.92x $2,500 4617.68
0.20% 0.92x $2,000 4793.22
Florida
Restrictions
0.20% 0.92x $25,000 4825.76
Community
Restrictions
0.20% 0.92x $2,500 4705.57
0.20% 0.92x $25 5081.41
Bay
Restrictions
0.20% 0.92x $25 4991.71
Priority
Restrictions
0.20% 0.92x $5 4741.55
University
Restrictions
0.20% 0.92x $2,000 4615.28
Guardians
Restrictions
0.20% 0.92x $25 4823.85
First Choice
Restrictions
0.20% 0.92x $2,500 4627.27
Baxter
Restrictions
0.20% 0.92x $25,000 4617.01
Fairwinds
Restrictions
0.20% 0.92x $25,000 4746.40
0.20% 0.92x $1 4644.44
0.20% 0.92x $1,500 4934.48
0.20% 0.92x $2,500 4618.34
Wings Financial
Restrictions
0.20% 0.92x $5,000 4737.14
First Commerce
Restrictions
0.18% 0.83x $2,500 4935.90
Sun
Restrictions
0.17% 0.78x $100 4614.28
South Florida
Restrictions
0.15% 0.69x $5 4610.11
Chartway
Restrictions
0.15% 0.69x $100 4785.47
Ficare
Restrictions
0.15% 0.69x $500 4780.44
0.15% 0.69x $250 4618.51
0.15% 0.69x $50 4609.46
Jax
Restrictions
0.15% 0.69x $100 4809.32
Star Usa
Restrictions
0.15% 0.69x $2,500 -
Tallahassee-leon
Restrictions
0.15% 0.69x $10,000 4939.20
People's Alliance
Restrictions
0.15% 0.69x $50 4613.32
Tampa Postal
Restrictions
0.15% 0.69x $5 4782.27
Harvesters
Restrictions
0.15% 0.69x $5 5087.62
Miami
Restrictions
0.15% 0.69x $1,001 4608.39
Everence
Restrictions
0.15% 0.69x $3,001 4762.78
0.15% 0.69x $1,000 4780.08
0.15% 0.69x $100 4996.05
0.15% 0.69x $2,500 4631.78
Coral Community
Restrictions
0.15% 0.69x $250 4615.78
Dade County
Restrictions
0.15% 0.69x $500 4617.32
0.15% 0.69x $5 4777.88
Jetstream
Restrictions
0.15% 0.69x $50 4617.68
Florida
Restrictions
0.15% 0.69x $10,000 4825.76
First Florida
Restrictions
0.15% 0.69x $1 4809.10
Alive
Restrictions
0.15% 0.69x $1 4801.78
Envision
Restrictions
0.15% 0.69x $1,000 4937.55
0.15% 0.69x $100 4619.42
University
Restrictions
0.15% 0.69x $5 4615.28
First Choice
Restrictions
0.15% 0.69x $1 4627.27
First Commerce
Restrictions
0.15% 0.69x $10,000 4935.90
Fairwinds
Restrictions
0.15% 0.69x $2,500 4746.40
Power Financial
Restrictions
0.15% 0.69x $25,000 4622.69
0.15% 0.69x $5 4934.48
Wings Financial
Restrictions
0.15% 0.69x $1 4737.14
Suncoast
Restrictions
0.15% 0.69x $5 4775.35
Tampa Bay
Restrictions
0.10% 0.46x $500 4778.44
Gte
Restrictions
0.10% 0.46x $500 4778.01
Star Usa
Restrictions
0.10% 0.46x $10 -
United Police
Restrictions
0.10% 0.46x $2,500 4605.59
Tallahassee-leon
Restrictions
0.10% 0.46x $2,500 4939.20
Geico
Restrictions
0.10% 0.46x $300 4757.27
Mccoy
Restrictions
0.10% 0.46x $50 4738.84
Grow Financial
Restrictions
0.10% 0.46x $5 4771.83
Everence
Restrictions
0.10% 0.46x $1 4762.78
0.10% 0.46x $5 4780.08
Sunstate
Restrictions
0.10% 0.46x $500 4820.11
0.10% 0.46x $5 4756.74
0.10% 0.46x $1 4613.24
Launch
Restrictions
0.10% 0.46x $2,500 4704.03
Partners
Restrictions
0.10% 0.46x $1 4746.08
Coral Community
Restrictions
0.10% 0.46x $2,500 4615.78
City & Police
Restrictions
0.10% 0.46x $2,500 4801.85
0.10% 0.46x $1 4793.22
Florida
Restrictions
0.10% 0.46x $500 4825.76
0.10% 0.46x $1 4621.54
Bay
Restrictions
0.10% 0.46x $1,000 4991.71
Brightstar
Restrictions
0.10% 0.46x $25 4619.77
0.10% 0.46x $300 4621.83
First Choice
Restrictions
0.10% 0.46x $100 4627.27
Baxter
Restrictions
0.10% 0.46x $1 4617.01
Fairwinds
Restrictions
0.10% 0.46x $50 4746.40
Power Financial
Restrictions
0.10% 0.46x $10,000 4622.69
0.10% 0.46x $5 4618.34
Tampa Bay
Restrictions
0.05% 0.23x $10,000 4778.44
Star Usa
Restrictions
0.05% 0.23x $5 -
Tallahassee-leon
Restrictions
0.05% 0.23x $2,500 4939.20
0.05% 0.23x $100 4937.53
Everence
Restrictions
0.05% 0.23x $1 4762.78
0.05% 0.23x $5 4936.93
Insight
Restrictions
0.05% 0.23x $100 4745.91
Florida Central
Restrictions
0.05% 0.23x $5 4779.75
Baxter
Restrictions
0.05% 0.23x $5 4617.01
First Commerce
Restrictions
0.05% 0.23x $2,500 4935.90
Campus Usa
Restrictions
0.05% 0.23x $2,000 4827.92
Power Financial
Restrictions
0.05% 0.23x $100 4622.69
Midflorida
Restrictions
0.05% 0.23x $1 4728.57
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


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

PRODUCT INFORMATION


Credit Union Savings Accounts 2019

Credit union savings accounts (also sometimes called share certificates or money market accounts) are savings vehicles that are offered by credit unions. Many Americans enjoy performing their banking transactions with credit unions as they are technically member-owned and may have branches close by. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions do have limited fields of membership – you must be a resident of a certain area or have a family member who was employed by a certain company. Other credit unions will have fields of membership that are virtually open ended (eg. must love life, etc.). If you find a credit union that interests you because of a rate or a service or a location, but are unsure if you qualify for membership, it is often worth reaching out to the credit union to discuss the parameters of the field of membership and whether there may be other ways in which you may qualify for membership.

Unlike online banks and even many local banks, all but the largest credit unions often lack robust online banking features. If you are interested in online banking, be sure to ask your credit unions about the online and mobile services they offer.

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


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

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.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

SAVINGS & CD CALCULATOR

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