# First Florida Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/first-florida-credit-union
Institution: First Florida Credit Union (NCUA 61170)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:18.000Z (October 22, 2026)
Official source: https://www.firstflorida.org/rates/deposit-rates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Certificate | standard | 3 months | $1,000 | 3.25% | Not ZIP-priced | −1.04% | 2026-10-22T16:22:18.000Z | [Snapshot 350](https://apyledger.com/snapshots/350) |
| 6 Month Certificate | standard | 6 months | $1,000 | 3.45% | Not ZIP-priced | −0.95% | 2026-10-22T16:22:18.000Z | [Snapshot 350](https://apyledger.com/snapshots/350) |
| 12 Month Certificate | standard | 12 months | $1,000 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-22T16:22:18.000Z | [Snapshot 350](https://apyledger.com/snapshots/350) |
| 18 Month Certificate | standard | 18 months | $1,000 | 3.65% | Not ZIP-priced | −1.07% | 2026-10-22T16:22:18.000Z | [Snapshot 350](https://apyledger.com/snapshots/350) |
| 24 Month Sand Dollar Certificate | special | 24 months | $300 | 3.80% | Not ZIP-priced | −1.07% | 2026-10-22T16:22:18.000Z | [Snapshot 350](https://apyledger.com/snapshots/350) |
| 24 Month Certificate | standard | 24 months | $1,000 | 3.80% | Not ZIP-priced | −1.07% | 2026-10-22T16:22:18.000Z | [Snapshot 350](https://apyledger.com/snapshots/350) |
| 24 Month Step Certificate | standard | 24 months | $1,000 | 3.70% | Not ZIP-priced | −1.17% | 2026-10-22T16:22:18.000Z | [Snapshot 350](https://apyledger.com/snapshots/350) |
| 30 Month Certificate | standard | 30 months | $1,000 | 3.80% | Not ZIP-priced | −1.11% | 2026-10-22T16:22:18.000Z | [Snapshot 350](https://apyledger.com/snapshots/350) |
| 36 Month Certificate | standard | 36 months | $1,000 | 3.90% | Not ZIP-priced | −1.05% | 2026-10-22T16:22:18.000Z | [Snapshot 350](https://apyledger.com/snapshots/350) |
| 48 Month Certificate | standard | 48 months | $1,000 | 3.65% | Not ZIP-priced | −1.33% | 2026-10-22T16:22:18.000Z | [Snapshot 350](https://apyledger.com/snapshots/350) |
| 60 Month Certificate | standard | 60 months | $1,000 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T16:22:18.000Z | [Snapshot 350](https://apyledger.com/snapshots/350) |

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.