Certificate Rates

Certificate Accounts (Minimum $1,000 required)
(Also applies to IRA Certificates)Subject to change at any time without prior notice.
Rate Annual Percentage Yield
3 Month 0.39% 0.39%
6 Month 0.54% 0.54%
12 Month 0.89% 0.89%
18 Month 0.89% 0.89%
24 Month 1.18% 1.19%
30 Month 1.18% 1.19%
36 Month 1.38% 1.39%
48 Month 1.48% 1.49%
60 Month 1.68% 1.69%
24 Month Step* 1.18% 1.19%
24 Month
Sand Dollar**
1.18% 1.19%
Certificate Specials
Rate Annual Percentage Yield
5 Month Special*** 0.69% 0.69%
13 Month Special**** 1.18% 1.19%
22 Month Special***** 1.38% 1.39%
61 Month Special****** 1.97% 1.99%

Click here to calculate the potential interest growth on your Certificate of Deposit (CD).

Open an Account Today

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

IMPORTANT ACCOUNT DISCLOSRES

Interest is compounded and paid monthly on all certificate terms. The interest rate and Annual Percentage Yield (APY) are fixed and will be in effect for the term on the account. The APY is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. A penalty may apply to early withdrawal of principal. Ask a First Florida Credit Union representative for complete details. Membership eligibility is required. Federally insured up to $250,000 (IRA accounts insured separately up to $250,000) by NCUA, an agency of the US Government).

*At maturity, this certificate will automatically renew as a regular 24 month term at the rate in effect at that time. Once during the first term, you may exchange this APY for the current APY in effect at the time. You may also add any amount to the balance at the same time.

** Minimum $300 to open.

Certificate specials are subject to be withdrawn at any time without prior notice.
***At maturity, this certificate will automatically renew as a regular 6 month term at the rate in effect at that time. Special certificate subject to end at any time.
****At maturity, this certificate will automatically renew as a regular 12 month term at the rate in effect at that time. Special certificate subject to end at any time.
*****At maturity, this certificate will automatically renew as a regular 24 month term at the rate in effect at that time. Special certificate subject to end at any time.
******At maturity, this certificate will automatically renew as a regular 48 month term at the rate in effect at that time. Special certificate subject to end at any time.
******At maturity, this certificate will automatically renew as a regular 60M term at the rate in effect at the time. Special certificate subject to end at any time.