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.


Special Offer! - Bump Up Certificates of Deposit

Earn more return on your money and peace of mind by investing with a 2-Year or 3-Year Bump Up Certificates. Not only will you get a great rate, but at any time during the term of the CD, you can bump up the rate on your CD for the remainder of the term. Check it out!

  • 2-Year Bump Up CD - Earn 1.40% APY* with an opportunity to make a one-time bump during the term of the CD.
  • 3-Year Bump Up CD - Earn 1.60% APY* with an opportunity to make two bumps during the term of the CD.

Lock in a Great Rate with a One-Year Certificate of Deposit! 

With a CD 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.

  • 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