# Community Credit Union of Florida CD and share certificate rates

As of October 22, 2026, Community Credit Union of Florida's highest tracked CD (share certificate) rate is 4.00% APY on a 12-month CD ($1,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.55% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/community-credit-union-of-florida
Institution: Community Credit Union Of Florida (NCUA 60816)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:46.000Z (October 22, 2026)
Official source: https://www.ccuflorida.org/home/rates/deposit
Coverage: Membership required. Certificates from 6 to 60 months; the minimum to open is $1,000 unless noted otherwise. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificates of Deposit (CD) - Regular & IRA | standard | 6 months | $1,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T02:09:46.000Z | [Snapshot 839](https://apyledger.com/snapshots/839) |
| Certificates of Deposit (CD) - Regular & IRA | standard | 9 months | $1,000 | 3.75% | Not ZIP-priced | −0.73% | 2026-10-23T02:09:46.000Z | [Snapshot 839](https://apyledger.com/snapshots/839) |
| Certificates of Deposit (CD) - Regular & IRA | standard | 12 months | $1,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-23T02:09:46.000Z | [Snapshot 839](https://apyledger.com/snapshots/839) |
| Certificates of Deposit (CD) - Regular & IRA | standard | 18 months | $1,000 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-23T02:09:46.000Z | [Snapshot 839](https://apyledger.com/snapshots/839) |
| Certificates of Deposit (CD) - Regular & IRA | standard | 24 months | $1,000 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-23T02:09:46.000Z | [Snapshot 839](https://apyledger.com/snapshots/839) |
| Certificates of Deposit (CD) - Regular & IRA | standard | 36 months | $1,000 | 3.55% | Not ZIP-priced | −1.40% | 2026-10-23T02:09:46.000Z | [Snapshot 839](https://apyledger.com/snapshots/839) |
| Certificates of Deposit (CD) - Regular & IRA | standard | 48 months | $1,000 | 3.55% | Not ZIP-priced | −1.43% | 2026-10-23T02:09:46.000Z | [Snapshot 839](https://apyledger.com/snapshots/839) |
| Certificates of Deposit (CD) - Regular & IRA | standard | 60 months | $1,000 | 3.60% | Not ZIP-priced | −1.41% | 2026-10-23T02:09:46.000Z | [Snapshot 839](https://apyledger.com/snapshots/839) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.