Florida CD rates › Credit unions › iTHINK Financial
Credit union · HQ Boca Raton, FL
✓ Verified 2026-10-01 from their own posted rate sheet
iTHINK Financial currently posts 22 CD rates from 2.05% to 4.25% APY. Their sheet states an effective date of Certificate Rates Effective October 1, 2026.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 3 mo | 4.25% | $1k | |
| 6 mo | 4.25% | $1k | |
| 6 mo | 2.05% | $500 | |
| 9 mo | 4.25% | $1k | |
| 1 yr | 4.25% | $1k | |
| 1 yr | 2.20% | $1k | |
| 2 yr | 2.40% | $1k | |
| 31 mo | 3.75% | $1k | |
| 3 yr | 2.90% | $1k | |
| 4 yr | 3.15% | $1k | |
| 5 yr | 3.20% | $1k | |
| 7 yr | 3.30% | $1k |
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 3 mo | 4.25% promo | $25k | Special Certificate Account (Premium, $25,000 min) |
| 6 mo | 4.25% promo | $25k | Special Certificate Account (Premium, $25,000 min) |
| 9 mo | 4.25% promo | $25k | Special Certificate Account (Premium, $25,000 min) |
| 1 yr | 4.25% promo | $25k | Special Certificate Account (Premium, $25,000 min) |
| 31 mo | 3.75% promo | $25k | Special Certificate Account (Premium, $25,000 min) |
| 7 yr | 3.40% promo | $25k | Special Certificate Account (Premium, $25,000 min) |
| 5 yr | 3.30% promo | $25k | Special Certificate Account (Premium, $25,000 min) |
| 4 yr | 3.25% promo | $25k | Special Certificate Account (Premium, $25,000 min) |
| 3 yr | 3.00% promo | $25k | Special Certificate Account (Premium, $25,000 min) |
| 2 yr | 2.50% promo | $25k | Special Certificate Account (Premium, $25,000 min) |
Anyone who lives, works, worships or attends school in 31 approved Florida counties (plus 37 Georgia counties), employees/retirees of member companies, and their family or household members can join with $5. Counties: Alachua, Broward, Clay, Collier, Charlotte, DeSoto, Flagler, Glades, Hardee, Hendry, Hillsborough, Highlands, Indian River, Lee, Manatee, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Volusia. Family of existing members can generally join too.
15 branches in 5 counties: Broward (Fort Lauderdale) · Indian River (Fellsmere, Sebastian, Vero Beach) · Martin (Stuart) · Palm Beach (Boca Raton, Boynton Beach, Delray Beach) · Saint Lucie (Fort Pierce, Port St Lucie)
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