Florida Credit Union CD & Share Certificate Rates — October 2026

Also known as FLCU.

As of October 22, 2026, Florida Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 19-month promotional CD ($1,000 minimum). That is 2.9 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.75% to 3.70% APY.

Last verified October 22, 2026 from flcu.org · NCUA-insured credit union · Gainesville, FL

Tracking began October 22, 2026.

Best APY4.50%19 months, $1,000 min

vs. Treasury−0.24%same-term Treasury 4.74%

vs. national average2.9×FDIC national average 1.55%

After inflation0.76%CPI 3.7% year over year

$10,000 earns$722over 19 months, before tax

Florida Credit Union CD & share certificate rates

Florida Credit Union CD rates
Term	Product	Minimum	APY	vs. Treasury
6 months	6 month CD & IRA CD	$1,000	3.65%Verified October 22, 2026	−0.75%
7 months	7 month CD & IRA CD Special Promotional	$1,000	4.00%Verified October 22, 2026	−0.43%
9 months	9 month CD & IRA CD Special Promotional	$1,000	4.15%Verified October 22, 2026	−0.33%
12 months	12 month CD & IRA CD	$1,000	3.60%Verified October 22, 2026	−0.97%
13 months	13 month CD & IRA CD Special Promotional	$1,000	4.25%Verified October 22, 2026	−0.35%
18 months	18 month CD & IRA CD	$1,000	3.70%Verified October 22, 2026	−1.02%
19 months	19 month CD & IRA CD Special Promotional	$1,000	4.50%Verified October 22, 2026	−0.24%
24 months	24 month CD & IRA CD	$1,000	3.50%Verified October 22, 2026	−1.37%
36 months	36 month CD & IRA CD	$1,000	2.80%Verified October 22, 2026	−2.15%
48 months	48 month CD & IRA CD	$1,000	2.75%Verified October 22, 2026	−2.23%
60 months	60 month CD & IRA CD	$1,000	2.80%Verified October 22, 2026	−2.21%

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.

Watch the renewal rate

The best promotional rate here is 4.50% APY (19 months). The standard rate for a similar term is 3.70% APY (18 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $80 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are Florida Credit Union's best CD rates by term?

Florida Credit Union's best rate is 4.50% APY on 19 months, verified October 22, 2026.

6 mo3.65%
7 mo4.00%
9 mo4.15%
12 mo3.60%
13 mo4.25%
18 mo3.70%
19 mo4.50%
24 mo3.50%
36 mo2.80%
48 mo2.75%
60 mo2.80%

Calculate earnings at 4.50% for 19 months

How much interest could a 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.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
6 months	$90.683.65% APY · 6 month CD & IRA CD · Standard	$181.363.65% APY · 6 month CD & IRA CD · Standard	$453.413.65% APY · 6 month CD & IRA CD · Standard	$906.823.65% APY · 6 month CD & IRA CD · Standard
9 months	$154.974.15% APY · 9 month CD & IRA CD Special · Promotional	$309.954.15% APY · 9 month CD & IRA CD Special · Promotional	$774.874.15% APY · 9 month CD & IRA CD Special · Promotional	$1,549.754.15% APY · 9 month CD & IRA CD Special · Promotional
12 months	$180.003.60% APY · 12 month CD & IRA CD · Standard	$360.003.60% APY · 12 month CD & IRA CD · Standard	$900.003.60% APY · 12 month CD & IRA CD · Standard	$1,800.003.60% APY · 12 month CD & IRA CD · Standard
18 months	$280.313.70% APY · 18 month CD & IRA CD · Standard	$560.633.70% APY · 18 month CD & IRA CD · Standard	$1,401.573.70% APY · 18 month CD & IRA CD · Standard	$2,803.143.70% APY · 18 month CD & IRA CD · Standard
19 months	$360.954.50% APY · 19 month CD & IRA CD Special · Promotional	$721.904.50% APY · 19 month CD & IRA CD Special · Promotional	$1,804.754.50% APY · 19 month CD & IRA CD Special · Promotional	$3,609.514.50% APY · 19 month CD & IRA CD Special · Promotional
24 months	$356.123.50% APY · 24 month CD & IRA CD · Standard	$712.253.50% APY · 24 month CD & IRA CD · Standard	$1,780.623.50% APY · 24 month CD & IRA CD · Standard	$3,561.253.50% APY · 24 month CD & IRA CD · Standard
60 months	$740.312.80% APY · 60 month CD & IRA CD · Standard	$1,480.632.80% APY · 60 month CD & IRA CD · Standard	$3,701.572.80% APY · 60 month CD & IRA CD · Standard	$7,403.132.80% APY · 60 month CD & IRA CD · Standard

How 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 578-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 1 of 5 tracked institutions with fresh 578-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Florida Credit Union CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
Florida Credit Union (this institution) (highest tracked APY for this term)19 month CD & IRA CD Special · Promotional	19 months	$1,000	Coverage: FL	4.50%	October 22, 2026
Synchrony BankCD · Standard	19 months	Not stated	Nationwide; check eligibility	4.35%	October 22, 2026
Treasury (APY-equivalent)	19 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	4.74%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Florida Credit Union on October 22, 2026.

About Florida Credit Union

Legal name: Florida Credit Union
Regulator ID: NCUA 60497
Headquarters: Gainesville, FL
Available in: FL
Total assets: $2.8 billion
Also known as: FLCU
Website: flcu.org

Source: rates read from https://flcu.org/fcu-rates/deposit-rates/. See the page text we read.

Frequently asked questions

What is the highest CD rate at Florida Credit Union?

Among the rates we track, 4.50% APY on a 19-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a Florida Credit Union CD?

The lowest minimum we found is $1,000.

How does Florida Credit Union's best CD rate compare with Treasury yields?

4.50% APY is −0.24% versus the 19-month Treasury yield of 4.74% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.50% a good CD rate?

It is 2.9 times the FDIC national average for a similar term (1.55% 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 Florida Credit Union CDs insured?

Florida Credit Union is a federally insured credit union (NCUA 60497). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at 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 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 Florida Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Florida Credit Union before opening an account. This page is not financial advice.