Florida CD rates › Credit unions › Florida
Credit union · HQ Gainesville, FL
✓ Verified 2026-10-01 from their own posted rate sheet
Florida currently posts 1 CD rate from 4.15% to 4.15% APY. Their sheet states an effective date of 08/20/2026.
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 13 mo | 4.15% promo | $1k (cap $5M) | 13 Month CD Special (CD or IRA CD) — Limited time offer; minimum balance to open varies per certificate; page states CD terms start with $1,000 minimum deposit |
Anyone who lives or works in one of 48 Florida counties can join, plus their immediate family and certain students/alumni. Counties: Alachua, Baker, Bradford, Brevard, Charlotte, Citrus, Clay, Columbia, DeSoto, Dixie, Duval, Flagler, Gilchrist, Glades, Hamilton, Hardee, Hernando, Highlands, Hillsborough, Indian River, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Madison, Manatee, Marion, Martin, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Taylor, Union, Volusia. Family of existing members can generally join too.
16 branches in 6 counties: Alachua (Gainesville) · Bradford (Starke) · Columbia (Lake City) · Marion (Belleview, Ocala) · Sumter (Wildwood) · Volusia (Deland)
Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions