Florida CD rates › Credit unions › Community First Credit Union of Florida
Credit union · HQ Jacksonville, FL
✓ Verified 2026-10-01 from their own posted rate sheet
Community First Credit Union of Florida currently posts 91 CD rates from 2.53% to 4.29% APY. Their sheet states an effective date of 07/15/2026 08:00 AM.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 3 mo | 3.51% | $1M | Printed term range 3-5 months |
| 3 mo | 3.25% | $750k | Printed term range 3-5 months |
| 3 mo | 2.99% | $500k | Printed term range 3-5 months |
| 3 mo | 2.73% | $250k | Printed term range 3-5 months |
| 3 mo | 2.68% | $100k | Printed term range 3-5 months |
| 3 mo | 2.63% | $45k | Printed term range 3-5 months |
| 3 mo | 2.53% | $500 | Printed term range 3-5 months |
| 6 mo | 3.56% | $1M | Printed term range 6-11 months |
| 6 mo | 3.30% | $750k | Printed term range 6-11 months |
| 6 mo | 3.04% | $500k | Printed term range 6-11 months |
| 6 mo | 2.78% | $250k | Printed term range 6-11 months |
| 6 mo | 2.73% | $100k | Printed term range 6-11 months |
| 6 mo | 2.68% | $45k | Printed term range 6-11 months |
| 6 mo | 2.58% | $500 | Printed term range 6-11 months |
| 1 yr | 4.08% | $1M | Printed term range 12-17 months |
| 1 yr | 3.82% | $750k | Printed term range 12-17 months |
| 1 yr | 3.61% | $500k | Printed term range 12-17 months |
| 1 yr | 3.35% | $250k | Printed term range 12-17 months |
| 1 yr | 3.05% | $100k | Printed term range 12-17 months |
| 1 yr | 2.99% | $45k | Printed term range 12-17 months |
| 1 yr | 2.94% | $500 | Printed term range 12-17 months |
| 18 mo | 4.24% | $1M | Printed term range 18-23 months |
| 18 mo | 3.98% | $750k | Printed term range 18-23 months |
| 18 mo | 3.77% | $500k | Printed term range 18-23 months |
| 18 mo | 3.41% | $250k | Printed term range 18-23 months |
| 18 mo | 3.10% | $100k | Printed term range 18-23 months |
| 18 mo | 3.05% | $45k | Printed term range 18-23 months |
| 18 mo | 2.99% | $500 | Printed term range 18-23 months |
| 2 yr | 4.18% | $1M | Printed term range 24-29 months |
| 2 yr | 3.98% | $750k | Printed term range 24-29 months |
| 2 yr | 3.72% | $500k | Printed term range 24-29 months |
| 2 yr | 3.46% | $250k | Printed term range 24-29 months |
| 2 yr | 3.41% | $100k | Printed term range 24-29 months |
| 2 yr | 3.25% | $45k | Printed term range 24-29 months |
| 2 yr | 3.20% | $500 | Printed term range 24-29 months |
| 30 mo | 4.24% | $1M | Printed term range 30-35 months |
| 30 mo | 4.03% | $750k | Printed term range 30-35 months |
| 30 mo | 3.77% | $500k | Printed term range 30-35 months |
| 30 mo | 3.51% | $250k | Printed term range 30-35 months |
| 30 mo | 3.46% | $100k | Printed term range 30-35 months |
| 30 mo | 3.30% | $45k | Printed term range 30-35 months |
| 30 mo | 3.25% | $500 | Printed term range 30-35 months |
| 3 yr | 4.29% | $1M | Printed term range 36-47 months |
| 3 yr | 4.18% | $1M | One-time rate adjustment option |
| 3 yr | 4.08% | $750k | Printed term range 36-47 months |
| 3 yr | 3.98% | $750k | One-time rate adjustment option |
| 3 yr | 3.82% | $500k | Printed term range 36-47 months |
| 3 yr | 3.77% | $500k | One-time rate adjustment option |
| 3 yr | 3.56% | $250k | Printed term range 36-47 months |
| 3 yr | 3.51% | $100k | Printed term range 36-47 months |
| 3 yr | 3.46% | $250k | One-time rate adjustment option |
| 3 yr | 3.41% | $100k | One-time rate adjustment option |
| 3 yr | 3.35% | $45k | Printed term range 36-47 months |
| 3 yr | 3.30% | $500 | Printed term range 36-47 months |
| 3 yr | 3.25% | $45k | One-time rate adjustment option |
| 3 yr | 3.20% | $500 | One-time rate adjustment option |
| 4 yr | 4.08% | $1M | Printed term range 48-59 months |
| 4 yr | 3.82% | $750k | Printed term range 48-59 months |
| 4 yr | 3.56% | $500k | Printed term range 48-59 months |
| 4 yr | 3.30% | $250k | Printed term range 48-59 months |
| 4 yr | 3.25% | $100k | Printed term range 48-59 months |
| 4 yr | 3.10% | $45k | Printed term range 48-59 months |
| 4 yr | 3.05% | $500 | Printed term range 48-59 months |
| 5 yr | 4.18% | $1M | |
| 5 yr | 4.08% | $1M | One-time rate adjustment option |
| 5 yr | 3.92% | $750k | |
| 5 yr | 3.82% | $750k | One-time rate adjustment option |
| 5 yr | 3.67% | $500k | |
| 5 yr | 3.56% | $500k | One-time rate adjustment option |
| 5 yr | 3.41% | $250k | |
| 5 yr | 3.30% | $100k | |
| 5 yr | 3.30% | $250k | One-time rate adjustment option |
| 5 yr | 3.25% | $45k | |
| 5 yr | 3.20% | $100k | One-time rate adjustment option |
| 5 yr | 3.15% | $500 | |
| 5 yr | 3.15% | $45k | One-time rate adjustment option |
| 5 yr | 3.05% | $500 | One-time rate adjustment option |
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 13 mo | 4.00% promo | $45k | 13 Month CD - Jr. Jumbo — Featured CD |
| 13 mo | 4.00% promo | $100k | 13 Month CD - Jumbo — Featured CD |
| 13 mo | 4.00% promo | $250k | 13 Month CD - Jumbo Plus — Featured CD |
| 13 mo | 4.00% promo | $500k | 13 Month CD - Super Jumbo — Featured CD |
| 13 mo | 4.00% promo | $750k | 13 Month CD - Super Jumbo Plus — Featured CD |
| 13 mo | 4.00% promo | $1M | 13 Month CD - Super Jumbo Max — Featured CD |
| 13 mo | 3.90% promo | $500 | 13 Month CD - Standard — Featured CD |
| 6 mo | 3.56% promo | $1M | 6 Month SaveUP CD - Super Jumbo Max — Featured CD |
| 6 mo | 3.30% promo | $750k | 6 Month SaveUP CD - Super Jumbo Plus — Featured CD |
| 6 mo | 3.04% promo | $500k | 6 Month SaveUP CD - Super Jumbo — Featured CD |
| 6 mo | 2.78% promo | $250k | 6 Month SaveUP CD - Jumbo Plus — Featured CD |
| 6 mo | 2.73% promo | $100k | 6 Month SaveUP CD - Jumbo — Featured CD |
| 6 mo | 2.68% promo | $45k | 6 Month SaveUP CD - Jr. Jumbo — Featured CD |
| 6 mo | 2.58% promo | $250 | 6 Month SaveUP CD - Standard — Featured CD; available to college/vocational/technical school students |
Age-restricted: Youth Advantage Certificate - Standard 2.94% (1 yr) · Youth Advantage Certificate - Jr. Jumbo 2.99% (1 yr) · Youth Advantage Certificate - Jumbo 3.05% (1 yr) · Youth Advantage Certificate - Jumbo Plus 3.35% (1 yr) · Youth Advantage Certificate - Super Jumbo 3.61% (1 yr) · Youth Advantage Certificate - Super Jumbo Plus 3.82% (1 yr) · Youth Advantage Certificate - Super Jumbo Max 4.08% (1 yr) — not open to general savers.
Anyone who lives, works, or attends school in one of 17 Florida counties (including Duval, Clay and Orange) can join, plus relatives of members. Counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, Volusia. Family of existing members can generally join too.
26 branches in 4 counties: Clay (Fleming Island, Orange Park) · Duval (Jacksonville, Jacksonville Beach, Neptune Beach) · Nassau (Callahan, Yulee) · Saint Johns (Saint Augustine, St Johns)
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