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Source: https://flcu.org/fcu-rates/deposit-rates/
Read: 2026-10-22T12:04:46.000Z

Deposit Rates | Florida Credit Union | Florida Credit Union
Savings Rates Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Regular Savings | 0.150% | 0.15% | $5.00 | $500
Special Savings | 0.150% | 0.15% | $0.01 | $500
Holiday Club | 0.150% | 0.15% | $0.01 | $0.01
Vacation Club | 0.150% | 0.15% | $0.01 | $0.01
Individual Retirement Account | 0.499% | 0.50% | $0.01 | $0.01
Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Youth Savings | 1.985% | 2.00% | $0.01 | $0.01-$750.00
Youth Savings | 0.150% | 0.15% | $0.01 | $750.01 and more
Money Market Rates - Personal Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Money Market Specials - Personal | 0.250% | 0.25% | $2,500 | $2,500-$9,999.99
Money Market Specials - Personal | 0.976% | 0.98% | $2,500 | $10,000- $24,999.99
Money Market Specials - Personal | 1.094% | 1.10% | $2,500 | $25,000- $49,999.99
Money Market Specials - Personal | 1.243% | 1.25% | $2,500 | $50,000- $99,999.99
Money Market Specials - Personal | 1.490% | 1.50% | $2,500 | $100,000- $999,999.99
Money Market Specials - Personal | 1.982% | 2.00% | $2,500 | $1,000,000 and more
Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Money Market Account | 0.250% | 0.25% | $2,500 | $2,500-$9,999.99
Money Market Account | 0.250% | 0.25% | $2,500 | $10,000- $24,999.99
Money Market Account | 0.449% | 0.45% | $2,500 | $25,000- $39,999.99
Money Market Account | 0.549% | 0.55% | $2,500 | $40,000-$99,999.99
Money Market Account | 0.747% | 0.75% | $2,500 | $100,000-$1,999,999.99
Money Market Account | 0.995% | 1.00% | $2,500 | $2,000,000-$4,999,999.99
Money Market Account | 0.020% | 0.02% | $2,500 | $5,000,000 and more
Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Money Market Plus | 0.250% | 0.25% | $50,000 | $50,000-$99,999.99
Money Market Plus | 0.499% | 0.50% | $50,000 | $100,000-$1,999,999.99
Money Market Plus | 0.499% | 0.50% | $50,000 | $2,000,000-$4,999,999.99
Money Market Plus | 0.020% | 0.02% | $50,000 | $5,000,000 and more
Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Money Market Advantage | 0.250% | 0.25% | $65,000 | $65,000-$99,999.99
Money Market Advantage | 0.499% | 0.50% | $65,000 | $100,000- $249,999.99
Money Market Advantage | 0.499% | 0.50% | $65,000 | $250,000-$4,999,999.99
Money Market Advantage | 0.020% | 0.02% | $65,000 | $5,000,000 and more
Money Market Specials - Business Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Money Market Specials - Business¹ | 0.250% | 0.25% | $2,500 | $2,500-$9,999.99
Money Market Specials - Business¹ | 0.995% | 1.00% | $2,500 | $10,000- $24,999.99
Money Market Specials - Business¹ | 1.243% | 1.25% | $2,500 | $25,000- $49,999.99
Money Market Specials - Business¹ | 1.391% | 1.40% | $2,500 | $50,000- $99,999.99
Money Market Specials - Business¹ | 1.638% | 1.65% | $2,500 | $100,000- $999,999.99
Money Market Specials - Business | 1.982% | 2.00% | $2,500 | $1,000,000 and more
Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Business Money Market | 0.020% | 0.02% | $2,500 | $2,500-$9,999.99
Business Money Market | 0.250% | 0.25% | $2,500 | $10,000- $24,999.99
Business Money Market | 0.250% | 0.25% | $2,500 | $25,000- $39,999.99
Business Money Market | 0.250% | 0.25% | $2,500 | $40,000-$99,999.99
Business Money Market | 0.499% | 0.50% | $2,500 | $100,000- $1,999,999.99
Business Money Market | 0.499% | 0.50% | $2,500 | $2,000,000-$4,999,999.99
Business Money Market | 0.020% | 0.02% | $2,500 | $5,000,000 and more
Checking Rates - Consumer Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Consumer Interest Checking | 0.995% | 1.00% | $10,000 | $10,000- $24,999.99
Consumer Interest Checking | 1.094% | 1.10% | $10,000 | $25,000- $49,999.99
Consumer Interest Checking | 1.243% | 1.25% | $10,000 | $50,000- $99,999.99
Consumer Interest Checking | 1.490% | 1.50% | $10,000 | $100,000- $249,999.99
Consumer Interest Checking | 1.982% | 2.00% | $10,000 | $250,000.00-$499.999.99
Consumer Interest Checking | 2.227% | 2.25% | $10,000 | $500,000- $749,999.99
Consumer Interest Checking | 2.472% | 2.50% | $10,000 | $750,000- $999,999.99
Consumer Interest Checking | 3.928% | 4.00% | $10,000 | $1,000,000- $1,499,999.99
Consumer Interest Checking | 4.169% | 4.25% | $10,000 | $1,500,000.00+
Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Value Checking | 0.000% | 0.00% | $0.01 | N/A
Checking Rates - Business Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Business Interest Checking | 0.995% | 1.00% | $10,000 | $10,000- $24,999.99
Business Interest Checking | 1.243% | 1.25% | $10,000 | $25,000- $49,999.99
Business Interest Checking | 1.391% | 1.40% | $10,000 | $50,000- $99,999.99
Business Interest Checking | 1.638% | 1.65% | $10,000 | $100,000- $249,999.99
Business Interest Checking | 2.472% | 2.50% | $10,000 | $250,000- $499,999.99
Business Interest Checking | 2.716% | 2.75% | $10,000 | $500,000- $749,999.99
Business Interest Checking | 2.960% | 3.00% | $10,000 | $750,000- $999,999.99
Business Interest Checking | 3.928% | 4.00% | $10,000 | $1,000,000.00-$1,499.999.99
Business Interest Checking | 4.169% | 4.25% | $10,000 | $1,500,000.00+
Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Business Value Checking | 0.000% | 0.00% | $0.01 | N/A
Interest of Trust Accounts (IOTA) Rates Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
IOTA Account | 1.490% | 1.50% | $10,000 | $10,000- $24,999.99
IOTA Account | 1.490% | 1.50% | $10,000 | $25,000- $49,999.99
IOTA Account | 1.490% | 1.50% | $10,000 | $50,000- $99,999.99
IOTA Account | 1.490% | 1.50% | $10,000 | $100,000- $999,999.99
IOTA Account | 1.490% | 1.50% | $10,000 | $1,000,000.00-$1,499.999.99
IOTA Account | 1.490% | 1.50% | $10,000 | $1,500,000.00+
Commercial - Reserves and Interest Reserve Accounts Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Commercial Reserves | 0.000% | 0.00% | $0.01 | N/A
Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest
Commercial Interest Reserve Account | 0.250% | 0.25% | $2,500.00 | $2,500 - $9,999.99
Commercial Interest Reserve Account | 0.995% | 1.00% | $10,000 | $10,000 - $24,999.99
Commercial Interest Reserve Account | 1.243% | 1.25% | $25,000 | $25,000 - $49,999.99
Commercial Interest Reserve Account | 1.391% | 1.40% | $50,000 | $50,000 - $99,999.99
Commercial Interest Reserve Account | 1.638% | 1.65% | $100,000 | $100,000 - $999,999.99
Commercial Interest Reserve Account | 1.982% | 2.00% | $1,000,000 | $1,000,000+
Certificate (CD and IRA CD) Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest | Penalty Days
7 month CD & IRA CD Special | 3.941% | 4.00% | $1,000 | $1,000 | 105
9 month CD & IRA CD Special | 4.087% | 4.15% | $1,000 | $1,000 | 135
13 month CD & IRA CD Special | 4.184% | 4.25% | $1,000 | $1,000 | 195
19 month CD & IRA CD Special | 4.426% | 4.50% | $1,000 | $1,000 | 195
Account Type | Interest Rate | Annual Percentage Yield | Minimum Deposit to Open | Minimum Balance to Earn Interest | Penalty Days
6 month CD & IRA CD | 3.601% | 3.65% | $1,000 | $1,000 | 90
12 month CD & IRA CD | 3.552% | 3.60% | $1,000 | $1,000 | 180
18 month CD & IRA CD | 3.650% | 3.70% | $1,000 | $1,000 | 270
24 month CD & IRA CD | 3.455% | 3.50% | $1,000 | $1,000 | 360
36 month CD & IRA CD | 2.771% | 2.80% | $1,000 | $1,000 | 540
48 month CD & IRA CD | 2.722% | 2.75% | $1,000 | $1,000 | 720
60 month CD & IRA CD | 2.771% | 2.80% | $1,000 | $1,000 | 900