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First Florida offers certificates with flexible terms and better yields.

Are your savings earning enough?

First Florida certificates are a perfect savings option when you want to earn more on your money effortlessly and without the headache of navigating market volatility. 

With a high-yield certificate from First Florida Credit Union, your savings go further. Let your money work harder, and watch your savings grow! 

Choose among our unique certificates that offer flexible terms, better yields, and are federally insured.

Reach your financial goals faster with: 

  • Low minimum deposits 
  • Interest compounded and paid monthly 
  • Short-term certificate and long-term certificate options to hit your financial goals

Opening a certificate with First Florida only takes moments and keeps your money safe while earning more dividends than the average savings account.


How to Choose the Right Certificate for Your Financial Goals

A certificate lets your money work harder so you can confidently plan for the future. Save for a home repair, set aside money for an upcoming expense, or add a predictable savings account to your retirement portfolio. When looking for ways to save more, First Florida certificates help you get to where you want to be faster than a basic savings account. 

Short-Term Certificate Options 

Are you interested in maximizing your savings without locking up your money long-term? First Florida’s short-term certificates offer flexibility and can help you reach upcoming savings goals, such as:  

  • Buying a car
  • A down payment on a home 
  • A fund for planned annual expenses

Long-Term Certificate Options 

Are you looking for a safe savings vehicle and above-average returns? First Florida offers long-term certificates with fixed rates for the entire term and can help you save toward financial goals, including:   

  • Education expenses
  • Home renovations
  • A transition savings account for later use as you ease into retirement

Flexible Certificate Terms for Everything in Between 

Are you looking for predictability and attractive rates in a savings account with a trustworthy financial institution? All First Florida certificates come with:

  • No monthly maintenance fees
  • Convenient renewal notices
  • Peace of mind with funds federally insured up to $250,000 by the National Credit Union Association (NCUA)
middle age couple talking to advisor

Looking for Ways to Boost Your Retirement Savings?

First Florida certificates offer an opportunity to combine the benefits of attractive rates and compound interest with the tax advantages of an Individual Retirement Account (IRA). 

Open your IRA Certificate today and add to your retirement savings effortlessly. 

Start Earning More with Certificates

Apply to open a certificate within minutes when you:

  • Stop by a branch
  • Call (800) 766-4328


†Federally insured up to $250,000 by NCUA, an agency of the U.S. Government.
‡IRA insured for up to an additional $250,000 by NCUA, an agency of U.S. Government.
Not available for institutional investors.
Membership eligibility is required. A Savings/Share account with a minimum balance of $5.00 is required for membership.


A new streamlined FFIS page will be launched soon.

In the meantime, to access your accounts, visit

or call (800) 766-4328, x8806.