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Share Certificates (CDs)

Lock in a guaranteed rate and grow your savings with confidence.

Whether you’re saving for a future purchase, building your nest egg, or looking for a safe place to grow your money, Floridacentral Share Certificates let you lock in a guaranteed dividend rate for a fixed term. They’re a smart choice for members who won’t need immediate access to their savings and want predictable earnings.

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Lock In Your Rate

A Share Certificate (also known as a Certificate of Deposit, or CD, at a bank) lets you earn a fixed dividend rate for a specific term. Your rate is locked in when you open your certificate, giving you predictable earnings from day one until maturity.

Choose Your Timeline

Whether you’re saving for a future home, a new vehicle, retirement, or another long-term goal, Floridacentral offers a variety of certificate terms to help you match your savings strategy to your timeline.

Account Features

  • Fixed dividend rate for the entire certificate term
  • Multiple certificate terms available
  • Guaranteed earnings throughout your term
  • Federally insured by NCUA
  • Competitive rates for long-term savings
  • No setup or maintenance fees

Early withdrawls are subject to a penalty. A $500 minimum deposit is required to open most Share Certificates. (Promotional Share Certificates may have a different opening deposit requirement.) See disclosures for details.

Guaranteed Growth

Unlike savings accounts or money market accounts with variable dividend rates, Share Certificates lock in your rate for the entire term. That means predictable earnings and peace of mind from the day you open your account until it matures.

Save with Confidence

Your deposits are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law, making Share Certificates a safe and dependable way to grow your savings.

Build a Smarter Savings Strategy

Many members combine Share Certificates with a Regular Savings or Money Market Account—keeping everyday savings accessible while earning guaranteed returns on money they won’t need right away. As your goals evolve, Floridacentral offers the products and guidance to help you stay on track.

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Share Certificate Rates

Account TypeRate1APY2
Regular and IRA: 9 months33.687%3.75%
Regular and IRA: 11 Months33.928%4.00%
Regular and IRA: 15 Months34.169%4.25%
Account TypeRate1APY2
Regular and IRA: 6 Months0.16%0.16%
Regular and IRA: 12 Months0.21%0.21%
Regular and IRA: 18 Months0.26%0.26%
Regular and IRA: 24 Months2.72%2.75%
Regular and IRA: 36 Months0.36%0.36%
Regular and IRA: 48 Months0.41%0.41%
Regular and IRA: 60 Months0.46%0.46%

Keep Building Toward Your Goals

The right savings account is just the beginning. Explore additional products designed to help you make the most of your money.

Money Market Accounts

Earn higher dividends while maintaining convenient access to your savings.

Learn More

Individual Retirement Accounts (IRAs)

Save for retirement with tax-advantaged options designed to help prepare for your future.

Learn More

Personal Checking

Pair your savings with a checking account designed for everyday banking.

Learn More

Financial Wellness

Explore calculators, articles, and educational resources to help you make informed financial decisions.

Learn More

Share Certificate FAQs

Have questions about Share Certificates? Whether you’re comparing savings options or looking for a safe way to grow your money, we’re here to help.

A Share Certificate may be a great choice if you want guaranteed earnings, don’t need immediate access to your savings, and are saving for a future goal like a home, vehicle, education, or retirement. It’s designed for members who want predictable growth over a fixed term.

Yes. A Share Certificate is the credit union version of a Certificate of Deposit (CD). Both allow you to lock in a fixed dividend rate for a specified term while your savings grow.

A Share Certificate locks in a fixed dividend rate for a specific term, providing predictable earnings until maturity. A Money Market Account offers more flexible access to your funds with variable, tiered dividend rates. If you won’t need your money right away and want guaranteed earnings, a Share Certificate may be the better choice.

Most Share Certificates require a $500 minimum opening deposit. Promotional Share Certificates require a $1,000 minimum opening deposit. Contact our team or view our current rates for complete details.

Share Certificates are designed to keep your money invested for the full certificate term. If you withdraw funds before your certificate matures, an early withdrawal penalty may apply. Contact our team for complete details about your certificate options.

Yes. Deposits at Floridacentral Credit Union are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law.

You can open a Share Certificate online, visit any Floridacentral branch, or schedule an appointment with one of our team members.

Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you reach your savings goals.

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Disclosures

1 Rates as of September 30, 2026, and subject to change without notice.

2 APY - Annual Percentage Yield. The APY assumes interest remains on deposit until maturity. Interest will be compounded and credited monthly. Restrictions apply. Contact Floridacentral for complete details.

3 Annual Percentage Yield as of September 30, 2026. Rates are subject to change without notice. This is a limited-time promotional Share Certificate offer. Offer is subject to end or change at any time without notice. Must be a Floridacentral member or meet membership eligibility requirements. 9 and 11-Month Share Certificate: The minimum deposit to open this account and earn the stated APY is $1,000. At maturity, the Certificates will automatically renew for a 6-Month Term at Floridacentral’s then-current 6-Month Share Certificate rate. A withdrawal prior to maturity will reduce earnings. A penalty equal to 90 days of interest will apply and may result in the reduction of principal. 15-Month Share Certificate: The minimum deposit to open this account and earn the stated APY is $1,000. At maturity, the Certificate will automatically renew for a 12-Month Term at Floridacentral’s then-current 12-Month Share Certificate rate. A withdrawal prior to maturity will reduce earnings. A penalty equal to 180 days of interest will apply and may result in the reduction of principal. Full account disclosures are available upon request.