With a Certificate of Deposit from Floridacentral, you'll know just what you're getting from the very beginning.  You select the term and lock in a rate before you invest. The NCUA ensures your money is safe. Check out these great benefits:

• Higher returns than savings accounts
• Fixed rates for guaranteed returns
• Terms from 6 months to 5 years
• Penalty for early withdrawal may apply
• $500 deposit to get started
• Insured up to $250,000

Check out our great CD rates!

Special CDs

Elevate Your Savings Special CDs

Elevate your savings with one of our special Certificates of Deposit (CDs) We have three short-term CD options to choose from.

Unlock a Higher Rate!

When you deposit more at Floridacentral, you can unlock higher-rate options. So when you save more, you truly earn more. Plus, you'll have peace of mind knowing that your deposits are Federally Insured by the NCUA.

Stop by a Floridacentral branch to get started.

^{*The annual percentage yield (APY) is effective as of March 27, 2023. The APY assumes interest remains on deposit until maturity. Interest will be compounded and credited monthly. Offer is subject to end or change at any time without notice. This is a limited-time promotional Certificate of Deposit (CD) offer. Offer only available for new money. Funds in an account at Floridacentral Credit Union in the 30 days prior to opening a CD are not eligible for this promotional offer. Must be a Floridacentral member or meet membership eligibility requirements. 9-Month CD: The minimum deposit to open this account and earn the stated APY is $10,000. At maturity, the 9-Month Certificate will automatically renew for a 6-Month Term at Floridacentral’s then-current 6-Month CD 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 CD: The minimum deposit to open this account and earn the stated APY is $15,000. At maturity, the 15-Month Certificate will automatically renew for a 12-Month Term at Floridacentral’s then-current 12-Month CD 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. 19-Month CD: The minimum deposit to open this account and earn the stated APY is $30,000. At maturity, the 19-Month Certificate will automatically renew for an 18-Month Term at Floridacentral’s then-current 18-Month CD 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.}

5-Year Bump-Up Certificate of Deposit

For a limited time, you can open a special 5-year Bump Up CD^ earning 2.85% APY* with funds from your Checking Account or Money Market Account. That means you can lock in a great rate now and if rates rise during the 5-year CD term, you can make one request to bump up your CD rate for the remainder of the term.

• This offer is a great opportunity to earn a higher rate of interest on your existing balances at Floridacentral.
• The minimum balance to open this special CD is $5,000 and the maximum amount is $250,000.
• This is a limited-time offer so act now!

Call (813) 879-3333 or (800) 528-3330 for more details or stop by your local branch to get started.

_{*Annual Percentage Yield is based on an assumption that the dividends will remain in the account until maturity. Restrictions apply.}

_{^Limited-time promotional Certificate of Deposit (CD) offer. Offer subject to change at any time without notice. Rates as of October 14, 2022. Offer is available for IRA CDs. Not available for Business accounts. The minimum opening deposit is $5,000. Maximum is $250,000. Must live or work in a county we serve. An early withdrawal penalty of 180 days of dividends will be imposed for withdrawals made before the maturity date. The early withdrawal penalty is based on the current rate of the certificate at the time of the withdrawal. If the CD does not have enough dividends, the penalty will be deducted from the principal balance. If the CD auto-renews, the CD will renew at the current standard 5-year CD rate. Contact Floridacentral or visit www.floridacentralcu.com for complete details.}