Skip to content

Certificates of Deposit (CDs)

A no-risk investment with guaranteed returns at a fixed rate. Choose the term length that works for you, and let your money grow.

View Rates

View Financial Calculators

Certificates of Deposit (CDs)

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 insures 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!


2-Year Certificate of Deposit

Show your savings some love with our popular 2-year CD earning 2.75% APY.* Call (813) 879-3333 or (800) 528-3330 for more details or stop by your local branch to get started.

Check out this other great special offer!

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 for complete details.