Florida CD rates › Credit unions › FloridaCentral
Credit union · HQ Tampa, FL
✓ Verified 2026-10-01 from their own posted rate sheet
FloridaCentral currently posts 10 CD rates from 0.16% to 4.25% APY. Their sheet states an effective date of October 1, 2026.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 6 mo | 0.16% | $500 | |
| 1 yr | 0.21% | $500 | |
| 18 mo | 0.26% | $500 | |
| 2 yr | 2.75% | $500 | |
| 3 yr | 0.36% | $500 | |
| 4 yr | 0.41% | $500 | |
| 5 yr | 0.46% | $500 |
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 15 mo | 4.25% promo | $1k | Promotional Share Certificate (Regular and IRA) — Limited-time promotional offer; renews to 12-month term at then-current rate; 180-day interest early withdrawal penalty |
| 11 mo | 4.00% promo | $1k | Promotional Share Certificate (Regular and IRA) — Limited-time promotional offer; renews to 6-month term at then-current rate; 90-day interest early withdrawal penalty |
| 9 mo | 3.75% promo | $1k | Promotional Share Certificate (Regular and IRA) — Limited-time promotional offer; renews to 6-month term at then-current rate; 90-day interest early withdrawal penalty |
Employees of the 1,000+ organizations partnered with Floridacentral as Select Employee Groups can join.
13 branches in 7 counties: Charlotte (Port Charlotte) · Hillsborough (Brandon, Tampa) · Manatee (Bradenton) · Pasco (New Port Richey) · Pinellas (Clearwater, Saint Petersburg, Seminole) · Polk (Lakeland) · Sarasota (Sarasota)
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