Want to make your money grow faster? Check out our interest rates.
  • Several savings account options
  • Earn interest on checking
  • Tiered Money Market rates

Life is expensive, so it's not always easy to save as much as you'd like. You should be rewarded when you make a smart move and deposit money in your Florida Credit Union accounts. Our high-value personal savings accounts, Money Market accounts and Individual Retirement Accounts can build a foundation for a bright financial future. Plus, our great rates on Interest Checking can make your current operating funds stretch a little further.

Account Type Interest Rate Annual Percentage Yield Minimum Deposit to Open Minimum Balance to Earn Interest
Regular Savings 0.10% 0.10% $5.00 $500
Special Savings 0.10% 0.10% $0.01 $500
Holiday Club 0.10% 0.10% $0.01 $0.01
Vacation Club 0.10% 0.10% $0.01 $0.01
Youth Savings 0.10% 0.10% $0.01 $0.01
Individual Retirement Account 0.40% 0.40% $0.01 $0.01

Interest compounded quarterly; Dividend credited quarterly

Rates effective as of 6/4/2018 and subject to change at anytime

Account Type Interest Rate Annual Percentage Yield Minimum Deposit to Open Minimum Balance to Earn Interest
Money Market Account 0.10% 0.10% $2,500 $2,500-$9,999.99
Money Market Account 0.15% 0.15% $2,500 $10,000-$24,999.99
Money Market Account 0.20% 0.20% $2,500 $25,000-$39,999.99
Money Market Account 0.30% 0.30% $2,500 $40,000-$99,999.99
Money Market Account 0.40% 0.40% $2,500 $100,000 and more
Account Type Interest Rate Annual Percentage Yield Minimum Deposit to Open Minimum Balance to Earn Interest
Money Market Plus 0.30% 0.30% $50,000 $50,000-$99,999.99
Money Market Plus 0.40% 0.40% $50,000 $100,000 and more
Account Type Interest Rate Annual Percentage Yield Minimum Deposit to Open Minimum Balance to Earn Interest
Money Market Advantage 0.30% 0.30% $65,000 $65,000-$99,999.99
Money Market Advantage 0.40% 0.40% $65,000 $100,000-$249,999
Account Type Interest Rate Annual Percentage Yield Minimum Deposit to Open Minimum Balance to Earn Interest
Money Market Special Rate 0.15% 0.15% $10,000 $10,000-$24,999.99
Money Market Special Rate 0.20% 0.20% $10,000 $25,000-$49,999.99
Money Market Special Rate 1.24% 1.25% $10,000 $50,000-$4,999,999.99
Money Market Special Rate 0.15% 0.15% $10,000 $5,000,000 and more

Interest compounded monthly; Dividend credited monthly

Rates effective as of 6/4/2018 and subject to change at anytime

Special rate valid through 12/31/2018

Account Type Interest Rate Annual Percentage Yield Minimum Deposit to Open Minimum Balance to Earn Interest
Business Money Market Account 0.25% 0.25% $2,500 $2,500-$9,999.99
Business Money Market Account 0.30% 0.30% $2,500 $10,000-$24,999.99
Business Money Market Account 0.35% 0.35% $2,500 $25,000-$39,999.99
Business Money Market Account 0.45% 0.45% $2,500 $40,000-$99,999.99
Business Money Market Account 0.55% 0.55% $2,500 $100,000 and more
Account Type Interest Rate Annual Percentage Yield Minimum Deposit to Open Minimum Balance to Earn Interest
Business Money Market Special Rate 0.15% 0.15% $10,000 $10,000-$24,999.99
Business Money Market Special Rate 0.20% 0.20% $10,000 $25,000-$49,999.99
Business Money Market Special Rate 1.24% 1.25% $10,000 $50,000-$4,999,999.99
Business Money Market Special Rate 0.15% 0.15% $10,000 $5,000,000 and more

Interest compounded monthly; Dividend credited monthly

Rates effective as of 6/4/2018 and subject to change at anytime

Special rate valid through 12/31/2018

Account Type Interest Rate Annual Percentage Yield Minimum Deposit to Open Minimum Balance to Earn Interest
Interest-Bearing Checking .25% .25% $10,000 $10,000-$24,999.99
Interest-Bearing Checking .50% .50% $10,000 $25,000-$49,999.99
Interest-Bearing Checking 1.24% 1.24% $10,000 $50,000 and more

Interest compounded monthly; Dividend credited monthly

Rates effective as of 6/4/2018 and subject to change at anytime

Account Type Interest Rate Annual Percentage Yield Minimum Deposit to Open Minimum Balance to Earn Interest
Business Interest-Bearing Checking .25% .25% $10,000 $10,000-$24,999.99
Business Interest-Bearing Checking .50% .50% $10,000 $25,000-$49,999.99
Business Interest-Bearing Checking 1.49% 1.50% $10,000 $50,000-$999,999.99
Business Interest-Bearing Checking 1.74% 1.75% $10,000 $1,000,000 and more

Interest compounded monthly; Dividend credited monthly

Rates effective as of 6/4/2018 and subject to change at anytime

Account Type Interest Rate Annual Percentage Yield Minimum Deposit to Open Minimum Balance to Earn Interest Penalty Days
6 month CD & IRA 0.37% 0.37% $1,000 $1,000 90
12 month CD & IRA 1.34% 1.35% $2,000 $2,000 180
18 month CD & IRA 1.64% 1.65% $2,000 $2,000 270
24 month CD & IRA 1.79% 1.81% $2,000 $2,000 360
36 month CD & IRA 0.97% 0.97% $2,000 $2,000 540
48 month CD & IRA 1.17% 1.18% $2,000 $2,000 720
60 month CD & IRA 1.47% 1.48% $2,000 $2,000 900
Account Type Interest Rate Annual Percentage Yield Minimum Deposit to Open Minimum Balance to Earn Interest Penalty Days
9 month CD & IRA Special 1.49% 1.50% $5,000 $5,000 135
13 month CD & IRA Special 2.13% 2.15% $5,000 $5,000 195
15 month CD & IRA Special 2.52% 2.55% $5,000 $5,000 270
26 month CD & IRA Special 2.67% 2.70% $5,000 $5,000 540
37 month CD & IRA Special 2.86% 2.90% $5,000 $5,000 540
65 month CD & IRA Special 1.99% 2.01% $10,000 $10,000 975

Interest compounded quarterly; Dividend credited quarterly

Rates effective as of 8/13/2018 and subject to change at anytime

*Number of days of interest earned equivalent for early withdrawal penalty

To receive a Renewing CD Member rate just add .15% to the current CD APR (Not an addition to the APY). This increase cannot be in conjunction with any other offer

Refer to the booklet "Owner's Guide to Services" which can be obtained at any branch or online at www.flcu.org/about-us/privacy-policy-and-disclosures for specific terms and conditions of the accounts.  Fees or other conditions may reduce earnings. Fees are subject to change. See separate fee schedule for details.

Products listed as specials can be discontinued at any time. When special rate expires, account converts to normal product. 

*We may impose a penalty if you withdraw funds from your account before the maturity date. The penalty will be a loss of number of days of interest earned equivalent. 

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