# Educational Federal Credit Union (Florida) CD and share certificate rates

As of October 22, 2026, Educational Federal Credit Union (Florida)'s highest tracked CD (share certificate) rate is 3.55% APY on a 60-month CD ($100,000 minimum). That is 2.5 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 0.75% to 3.55% APY.

Canonical page: https://apyledger.com/cd-rates/educational-federal-credit-union-florida
Institution: Educational Federal Credit Union (NCUA 176)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:51.000Z (October 22, 2026)
Official source: https://www.edfed.org/rates/personal/
Coverage: Membership required. Share certificates ($1,000 minimum) and Jumbo certificates ($100,000) from 3 to 60 months. IRA certificates are excluded. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Share Certificate | standard | 3 months | $100,000 | 0.80% | Not ZIP-priced | −3.50% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Share Certificate | standard | 3 months | $1,000 | 0.75% | Not ZIP-priced | −3.54% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Jumbo Share Certificate | standard | 6 months | $100,000 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Share Certificate | standard | 6 months | $1,000 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Jumbo Share Certificate | standard | 9 months | $100,000 | 3.30% | Not ZIP-priced | −1.18% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Share Certificate | standard | 9 months | $1,000 | 3.25% | Not ZIP-priced | −1.23% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Jumbo Share Certificate | standard | 12 months | $100,000 | 3.30% | Not ZIP-priced | −1.27% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Share Certificate | standard | 12 months | $1,000 | 3.25% | Not ZIP-priced | −1.32% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Jumbo Share Certificate | standard | 18 months | $100,000 | 3.30% | Not ZIP-priced | −1.42% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Share Certificate | standard | 18 months | $1,000 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Jumbo Share Certificate | standard | 24 months | $100,000 | 3.30% | Not ZIP-priced | −1.57% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Share Certificate | standard | 24 months | $1,000 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Jumbo Share Certificate | standard | 36 months | $100,000 | 3.35% | Not ZIP-priced | −1.60% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Share Certificate | standard | 36 months | $1,000 | 3.30% | Not ZIP-priced | −1.65% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Jumbo Share Certificate | standard | 48 months | $100,000 | 3.45% | Not ZIP-priced | −1.53% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Share Certificate | standard | 48 months | $1,000 | 3.40% | Not ZIP-priced | −1.58% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Jumbo Share Certificate | standard | 60 months | $100,000 | 3.55% | Not ZIP-priced | −1.46% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |
| Share Certificate | standard | 60 months | $1,000 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-23T02:09:51.000Z | [Snapshot 842](https://apyledger.com/snapshots/842) |

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.