Florida CD rates › Credit unions › Addition Financial
Credit union · HQ Lake Mary, FL
✓ Verified 2026-10-01 from their own posted rate sheet
Addition Financial currently posts 7 CD rates from 3.35% to 3.82% APY. Their sheet states an effective date of 09/29/2026.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 6 mo | 3.35% | $1k | Term range 6-11 months |
| 1 yr | 3.56% | $1k | Term range 12-23 months |
| 2 yr | 3.61% | $1k | Term range 24-35 months |
| 3 yr | 3.66% | $1k | Term range 36-47 months |
| 4 yr | 3.71% | $1k | Term range 48-59 months |
| 5 yr | 3.82% | $1k |
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 39 mo | 3.66% promo | $1k | Bump-up Certificate (39 month) — One-time bump-up option to current 36-month rate; renews at 36 months |
Age-restricted: Savings Builder Share Certificate (6 Month) 0.50% (6 mo) — not open to general savers.
Anyone who lives, works, worships, attends school in, or is an alum of a school in 43 Florida counties (plus 5 south Georgia counties) can join. Counties: Alachua, Bay, Brevard, Calhoun, Clay, Columbia, Duval, Flagler, Franklin, Gadsden, Hamilton, Hernando, Highlands, Hillsborough, Holmes, Indian River, Jackson, Jefferson, Lake, Leon, Liberty, Madison, Manatee, Marion, Martin, Okaloosa, Okeechobee, Orange, Osceola, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Lucie, St. Johns, Sumter, Suwannee, Volusia, Wakulla, Walton, Washington.
33 branches in 9 counties: Brevard (Merritt Island) · Gadsden (Chattahoochee, Quincy) · Jackson (Marianna) · Lake (Clermont, Eustis, Leesburg) · Leon (Tallahassee) · Orange (Apopka, Orlando, Winter Garden) · Osceola (Kissimmee, Saint Cloud) · Seminole (Chuluota, Fern Park, Forest City) · Volusia (Orange City)
Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions