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A safe and secure way to earn more.

At First Florida Credit Union, we want to help you maximize your earnings. Certificates offer a safe and secure way for you to increase your earnings without any additional work or the uncertainties of the stock market. It’s also a great way to save for any upcoming event in your life.

First Florida offers a wide variety of certificates to fit your financial needs.

Traditional Certificates 

Our Traditional Certificates range from 3 months to 5 years and offer competitive rates to help you hit your financial goals.

Special Certificates

Our Special Certificates offer unique terms with higher yields, providing you with short and long-term options to earn more interest on your dollars.

Step Certificate

This is a perfect option for an investor who is leery of locking in a fixed rate. Should the interest rate increase while your funds are in the Certificate, you will have a one-time opportunity to step up to the current APY (Annual Percentage Yield) in effect at the time. You will also be able to add any amount to the account at the time of exchange.

IRA Certificates

These accounts combine the benefits of certificates with the tax advantages of an Individual Retirement Account (IRA).

Sand Dollar Certificate

There’s no better time to start good financial habits than early in life. First Florida helps your child get started on the right path with a special certificate offering an attractive rate. The Sand Dollar Certificate is exclusively for club members ages 12 and under. 

All certificates come with great benefits:

  • Flexible terms and competitive rates
  • Dividends are paid monthly and can be added to your principal or transferred to another First Florida account
  • Deposits are federally insured by the NCUA up to $250,000


  • $1,000 minimum deposit for Traditional, Special, and Step Certificates
  • $300 minimum for Sand Dollar Certificate

Open an Account Today

  • By phone — call (800) 766-4328, ext. 1 [in Jacksonville (904) 359-6800, ext. 1]
  • In person — stop by a branch near you

† Federally insured up to $250,000 by NCUA, an agency of the US Government.
‡ IRA insured for up to an additional $250,000 by NCUA, an agency of US Government.