Florida CD rates › Credit unions › First Choice
Credit union · HQ West Palm Beach, FL
✓ Verified 2026-10-01 from their own posted rate sheet
First Choice currently posts 9 CD rates from 2.96% to 4.75% APY. Their sheet states an effective date of Certificate rates are accurate as of 11/01/2025..
| Term | APY | Minimum | Details |
|---|---|---|---|
| 1 yr | 4.25% | $75k | Early withdrawal penalty 180 days interest |
| 1 yr | 3.99% | $5k | Early withdrawal penalty 180 days interest |
| 1 yr | 2.96% | $1k | Early withdrawal penalty 180 days interest |
| 30 mo | 4.50% | $75k | Early withdrawal penalty 180 days interest |
| 30 mo | 4.25% | $5k | Early withdrawal penalty 180 days interest |
| 30 mo | 3.73% | $1k | Early withdrawal penalty 180 days interest |
| 5 yr | 4.75% | $75k | Early withdrawal penalty 180 days interest |
| 5 yr | 4.49% | $5k | Early withdrawal penalty 180 days interest |
| 5 yr | 3.98% | $1k | Early withdrawal penalty 180 days interest |
Anyone who lives or works in Palm Beach County can join, plus federal employees, veterans and Florida-licensed professionals in six nearby counties and members' families. Counties: Palm Beach, Broward, Martin, St. Lucie, Okeechobee, Glades, Hendry. Family of existing members can generally join too.
3 branches in 1 county: Palm Beach (Riviera Beach, West Palm Beach)
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