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CD & IRA CDs

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CHOOSE YOUR TERM AND AMOUNT

When you have cash you can set aside for several months or even years, you'll benefit from Florida Credit Union's Certificates of Deposit. We have various CD terms with corresponding rates, starting with a $1,000 minimum deposit.  When your Certificate matures, you choose to withdraw your money or keep it deposited for another full term. For the savings goals you wish to reach, CDs are a smart, low-risk method of reaching them. 

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Certificate Specials

13 Month CD APY

4.25%ยน

CD or IRA CD

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CD Bonus Icon

Pair Up for a $600 Bonus²

up to $600 bonus deposited in your checking account when you:

  • Open and qualify for the checking bonus

  • Open a new 13-month CD at 4.25% APY1, and

  • Deposit $25,000 or more in new money.
  • Use promo code: 25SUMMERBONUS
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Predictable Return, with No Risk

Set it and watch it grow

  • Flexible terms from 6 months to 5 years
  • Guaranteed rate of return for term
  • Stagger your returns with varying terms  
  • Ability to borrow against your funds
  • Funds are insured by the NCUA3


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CD Calculator


CD and IRA CD FAQs


A certificate of deposit (CD or share certificate) is a savings certificate with a fixed maturity date. While a CD may have a minimum and maximum amount, it can be issued for any denomination within that range. Unlike money market and share accounts which allow for funds to be added or withdrawn, a CD requires the initial deposit amount to remain for the term of the CD.
You will start to earn dividends on the business day we receive your deposit.
Dividends are compounded daily and credited to your account quarterly.
Yes! The National Credit Union Administration (NCUA) insures all savings accounts up to $250,000.
Certificates of deposit dividends are indeed reported to the IRS. If your earnings are at least $10, you will receive a 1099-INT from the IRS by January 31.
Funds are intended to only be withdrawn at the maturity date and a penalty may apply for early withdrawal.
A notice will be sent a few weeks prior to maturity. If no response is received, the certificate will be automatically renewed at the the most comparable rate and term offered by the credit union at that time.
To renew a CD is to reinvest your certificate funds into a new certificate. The term and rate the certifcate renews to is the most comparable currently offered by the credit union.

DISCLOSURES


1. Annual Percentage Yield (APY) is accurate as of 08/22/2025. Limited time offer subject to change at any time without notice. See share certificate agreement for current rates, terms, and requirements. Minimum balance to open share certificate varies per certificate with a maximum of $5,000,000. After maturity, if you choose to roll over your CD, you will earn dividends according to the CD agreement or at the then current APY as stated on www.flcu.org at that time. A penalty may be imposed for early withdrawals which may reduce earnings. Fees or other conditions may reduce earnings. Fees are subject to change. See separate fee schedule for more details. Refer to the Membership and Account Agreement which can be obtained at any branch or viewed online for specific terms and conditions of the accounts.


2. To receive the $300 CD bonus, you must qualify for the $300 checking bonus and open a new 13-month Certificate of Deposit (CD) with a minimum deposit of $25,000. Must be funded with money currently not on deposit at Florida Credit Union. The CD must be opened between July 28 and August 31, 2025, and remain open for the full term. If both the checking and CD account requirements are met and accounts remain in good standing for 90 days, the $300 bonus will be credited to the checking account. Bonus is considered interest and will be reported on IRS Form 1099-INT. Early withdrawal penalties may apply, in addition, if the 13-Month Promotional CD is closed for any reason before the maturity date, you will be required to reimburse the full $300 CD bonus back to Florida Credit Union. CD must be opened within 30 days of the checking account opening date to be qualified for the promotion.



3. Insured by the NCUA protect up to $250,000 per account holder.


The calculators found on this page are for information purposes only. While the results of the calculators may be generally accurate, the results do not reflect any specific Credit Union accounts, loans or other products or services and may not exactly match the calculation methods used by the Credit Union (or any third party) for accounts, loans or other products or services.  These calculators should be used only for general informational purposes and should not be relied on for any specific transaction.