# Florida Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/florida-credit-union
Institution: Florida Credit Union (NCUA 60497)
Aliases: FLCU
Status: live
Last verified: 2026-10-22T12:04:46.000Z (October 22, 2026)
Official source: https://flcu.org/fcu-rates/deposit-rates/
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6 month CD & IRA CD | standard | 6 months | $1,000 | 3.65% | Not ZIP-priced | −0.75% | 2026-10-22T12:04:46.000Z | [Snapshot 255](https://apyledger.com/snapshots/255) |
| 7 month CD & IRA CD Special | promotional | 7 months | $1,000 | 4.00% | Not ZIP-priced | −0.43% | 2026-10-22T12:04:46.000Z | [Snapshot 255](https://apyledger.com/snapshots/255) |
| 9 month CD & IRA CD Special | promotional | 9 months | $1,000 | 4.15% | Not ZIP-priced | −0.33% | 2026-10-22T12:04:46.000Z | [Snapshot 255](https://apyledger.com/snapshots/255) |
| 12 month CD & IRA CD | standard | 12 months | $1,000 | 3.60% | Not ZIP-priced | −0.97% | 2026-10-22T12:04:46.000Z | [Snapshot 255](https://apyledger.com/snapshots/255) |
| 13 month CD & IRA CD Special | promotional | 13 months | $1,000 | 4.25% | Not ZIP-priced | −0.35% | 2026-10-22T12:04:46.000Z | [Snapshot 255](https://apyledger.com/snapshots/255) |
| 18 month CD & IRA CD | standard | 18 months | $1,000 | 3.70% | Not ZIP-priced | −1.02% | 2026-10-22T12:04:46.000Z | [Snapshot 255](https://apyledger.com/snapshots/255) |
| 19 month CD & IRA CD Special | promotional | 19 months | $1,000 | 4.50% | Not ZIP-priced | −0.24% | 2026-10-22T12:04:46.000Z | [Snapshot 255](https://apyledger.com/snapshots/255) |
| 24 month CD & IRA CD | standard | 24 months | $1,000 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-22T12:04:46.000Z | [Snapshot 255](https://apyledger.com/snapshots/255) |
| 36 month CD & IRA CD | standard | 36 months | $1,000 | 2.80% | Not ZIP-priced | −2.15% | 2026-10-22T12:04:46.000Z | [Snapshot 255](https://apyledger.com/snapshots/255) |
| 48 month CD & IRA CD | standard | 48 months | $1,000 | 2.75% | Not ZIP-priced | −2.23% | 2026-10-22T12:04:46.000Z | [Snapshot 255](https://apyledger.com/snapshots/255) |
| 60 month CD & IRA CD | standard | 60 months | $1,000 | 2.80% | Not ZIP-priced | −2.21% | 2026-10-22T12:04:46.000Z | [Snapshot 255](https://apyledger.com/snapshots/255) |

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.