First Florida Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, First Florida Credit Union's highest tracked CD (share certificate) rate is 3.90% APY on a 36-month CD ($1,000 minimum). That is 2.8 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 3.25% to 3.90% APY.
Tracking began .
First Florida Credit Union CD & share certificate rates
Membership required. Certificates from 3 to 60 months ($1,000 minimum), a 24-month Step certificate and the 24-month Sand Dollar certificate ($300); the latter two are opened by phone. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are First Florida Credit Union's best CD rates by term?
First Florida Credit Union's best rate is 3.90% APY on 36 months, verified October 22, 2026.
- 3 mo3.25%
- 6 mo3.45%
- 12 mo3.70%
- 18 mo3.65%
- 24 mo3.80%
- 30 mo3.80%
- 36 mo3.90%
- 48 mo3.65%
- 60 mo3.50%
How much interest could a First Florida Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,216.22 interest · $11,216.22 at maturity on $10,000.00.
3.90% APY · 36 months · 36 Month Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $40.033.25% APY · 3 Month Certificate · Standard | $80.063.25% APY · 3 Month Certificate · Standard | $200.143.25% APY · 3 Month Certificate · Standard | $400.293.25% APY · 3 Month Certificate · Standard |
| 6 months | $85.753.45% APY · 6 Month Certificate · Standard | $171.513.45% APY · 6 Month Certificate · Standard | $428.773.45% APY · 6 Month Certificate · Standard | $857.553.45% APY · 6 Month Certificate · Standard |
| 12 months | $185.003.70% APY · 12 Month Certificate · Standard | $370.003.70% APY · 12 Month Certificate · Standard | $925.003.70% APY · 12 Month Certificate · Standard | $1,850.003.70% APY · 12 Month Certificate · Standard |
| 18 months | $276.493.65% APY · 18 Month Certificate · Standard | $552.983.65% APY · 18 Month Certificate · Standard | $1,382.463.65% APY · 18 Month Certificate · Standard | $2,764.923.65% APY · 18 Month Certificate · Standard |
| 24 months | $387.223.80% APY · 24 Month Certificate · Standard | $774.443.80% APY · 24 Month Certificate · Standard | $1,936.103.80% APY · 24 Month Certificate · Standard | $3,872.203.80% APY · 24 Month Certificate · Standard |
| 30 months | $488.903.80% APY · 30 Month Certificate · Standard | $977.813.80% APY · 30 Month Certificate · Standard | $2,444.523.80% APY · 30 Month Certificate · Standard | $4,889.033.80% APY · 30 Month Certificate · Standard |
| 36 months | $608.113.90% APY · 36 Month Certificate · Standard | $1,216.223.90% APY · 36 Month Certificate · Standard | $3,040.563.90% APY · 36 Month Certificate · Standard | $6,081.123.90% APY · 36 Month Certificate · Standard |
| 48 months | $770.953.65% APY · 48 Month Certificate · Standard | $1,541.903.65% APY · 48 Month Certificate · Standard | $3,854.743.65% APY · 48 Month Certificate · Standard | $7,709.493.65% APY · 48 Month Certificate · Standard |
| 60 months | $938.433.50% APY · 60 Month Certificate · Standard | $1,876.863.50% APY · 60 Month Certificate · Standard | $4,692.163.50% APY · 60 Month Certificate · Standard | $9,384.323.50% APY · 60 Month Certificate · Standard |
How First Florida Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1095-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 55 of 211 tracked institutions with fresh 1095-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| First Florida Credit Union (this institution)36 Month Certificate · Standard | 36 months | $1,000 | Coverage: FL | 3.90% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 36 months | $10,000 | Nationwide; check eligibility | 4.85% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 36 months | Not stated | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Nicolet National BankCertificate of Deposit · Relationship | 36 months | $2,500 | Coverage: CO, FL, IA, MI, MN, WI | 4.60% | October 22, 2026 |
| Quorum Federal Credit Union (highest tracked APY for this term)36-Month Term Account · Standard | 36 months | $100 | Coverage: NY | 4.90% | October 22, 2026 |
| Treasury (APY-equivalent) | 36 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.95% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Florida Credit Union on October 22, 2026.
About First Florida Credit Union
- Legal name
- First Florida Credit Union
- Regulator ID
- NCUA 61170
- Headquarters
- Jacksonville, FL
- Available in
- FL
- Total assets
- $1.5 billion
- Also known as
- Website
- www.firstflorida.org
Source: rates read from https://www.firstflorida.org/rates/deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Florida Credit Union?
Among the rates we track, 3.90% APY on a 36-month CD, as of October 22, 2026.
What is the minimum deposit for a First Florida Credit Union CD?
The lowest minimum we found is $300; jumbo and higher balance tiers start at up to $1,000.
How does First Florida Credit Union's best CD rate compare with Treasury yields?
3.90% APY is −1.05% versus the 36-month Treasury yield of 4.95% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.90% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First Florida Credit Union CDs insured?
First Florida Credit Union is a federally insured credit union (NCUA 61170). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at First Florida Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check First Florida Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from First Florida Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with First Florida Credit Union before opening an account. This page is not financial advice.