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Members First Credit Union of Florida CD Rates

Credit union · HQ Pensacola, FL

✓ Verified 2026-10-01 from their own posted rate sheet

Members First Credit Union of Florida currently posts 11 CD rates from 0.25% to 2.80% APY. Their sheet states an effective date of 9/4/2025.

Their rate sheet is dated Sep 4, 2025 — more than a year ago. These are the rates Members First Credit Union of Florida still posts today, but confirm them with the credit union before you deposit.

Standard CD rates

Term	APY	Minimum	Details
1 mo	0.25%	$500
3 mo	0.90%	$500
6 mo	2.00%	$500
1 yr	2.50%	$500
1 yr	2.50%	—	No minimum; add up to $2500 per month
1 yr	2.50%	—
2 yr	2.60%	$500	One rate bump-up allowed
2 yr	2.60%	—
3 yr	2.70%	$500	One rate bump-up allowed
4 yr	2.75%	$500	One rate bump-up allowed
5 yr	2.80%	$500	Printed as 60 to 120 months

Age-restricted: Add-On Certificate - Youth 0.90% (3 mo) — not open to general savers.

Who can join

Anyone who lives or works in Escambia, Santa Rosa or Okaloosa county (plus certain employers/schools and their families) can join. Counties: Escambia, Santa Rosa, Okaloosa. Family of existing members can generally join too.

Florida branches

7 branches in 2 counties: Escambia (Pensacola) · Santa Rosa (Pace)

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