Certificate Special Rates (CD Specials) 

Jumbo Certificate Special Rates (Jumbo CD Specials) 

Additional funds can be added to your Certificate Account at a minimum of $250. 

¹ APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.

³ Minimum account opening deposit of (Certificate $500/Jumbo $50,000). APY is based on the assumption that funds will remain in the Certificate account until maturity. Interest rates will vary based on membership level. Terms and interest will change at maturity. A $5.00 deposit to a Member Savings Account is required and will establish your membership. We Florida Financial has the right to change or withdraw this offer at any time. Rates Effective 03/21/23.

Rates effective 03/21/23. 

Rates effective 03/21/23. 

³ Minimum increments of $250.00.

Rates effective 03/21/23. 

Rates effective 03/21/23. 

Rates effective 03/21/23. 

Please contact a Credit Union employee or call us for further information about applicable fees and terms.

¹APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.

^‡Minimum Balance to Earn Stated APY

Rates are subject to change without notice.  Some accounts require a specific minimum balance to earn interest.  Fees could reduce the earnings on an account.

Rate Information: The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends or earnings to be paid on an account based on the rate and frequency of compounding for an annual period. For Savings Products, the dividend rate and APY may change monthly as determined by the Credit Union's Board of Directors. 

Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

Compounding and Crediting: The compounding and crediting of dividends to each account type are set forth in this schedule. The dividend period is the period at the end of which an account earns dividend credit. Generally, the period begins on the first calendar day of each month and ends on the last calendar day of the same month.  

Accrual: For Savings Products, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued earnings are credited, accrued earnings will not be paid.

Balance Information: The par value of a savings share in the credit union is $5. The minimum balance requirements applicable to each account type are set forth in this schedule. For Savings Products, there is a minimum average daily balance required to obtain the stated APY for the dividend period. If the minimum average daily balance is not met, you will not earn the stated APY. 

Account Limitations:  For emPower Checking, recurring direct deposits are required. Account will convert to Essential Checking when there are no recurring direct deposits. For High Yield Investment accounts, there can be only one (1) free withdrawal per month. Subsequent withdrawals are subject to a $25 fee. For High Yield Accumulation accounts, deposits must be made through ongoing, recurring automatic transfer only ($10 minimum). No partial balance withdrawals allowed, $25 fee if closed in the first twenty-four (24) months.

Regular Certificate Rates (Regular CD)

For more information, please see our Investment page. Please contact a Credit Union employee or call us for further information about applicable fees and terms. 

Additional funds can be added to your Certificate Account at a minimum of $250 per increase. 

Federally insured by NCUA

²APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.

^‡Minimum Balance to Maintain Stated APY

Rates and yields are subject to change without notice.  Some accounts require a specific minimum balance to earn the stated APY.  A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. No broker or institutional deposits will be accepted. 

Rates effective 03/21/23.

IRA Certificate Rates (IRA CD)

For more information, please see our retirement page.   Please contact a Credit Union employee or call us for further information about applicable fees and terms.

Additional funds can be added to your Certificate Account at a minimum of $250 per increase. 

Federally insured by NCUA

²APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.

^‡Minimum Balance to Maintain Stated APY

Rates and yields are subject to change without notice.  Some accounts require a specific minimum balance to earn the stated APY.  A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. 

Rates effective 03/21/23.

Jumbo IRA Certificate Rates (Jumbo IRA CD)

For more information, please see our retirement page.   Please contact a Credit Union employee or call us for further information about applicable fees and terms.

Additional funds can be added to your Certificate Account at a minimum of $250 per increase. 

Federally insured by NCUA

²APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.

^‡Minimum Balance to Maintain Stated APY

Rates and yields are subject to change without notice.  Some accounts require a specific minimum balance to earn the stated APY.  A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. 

Rates effective 03/21/23.

Jumbo Certificate Rates (Jumbo CD)

For more information, please see our Investment page.   Please contact a Credit Union employee or call us for further information about applicable fees and terms.

Additional funds can be added to your Certificate Account at a minimum of $250 per increase. 

Federally insured by NCUA

²APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.

^‡Minimum Balance to Maintain Stated APY

Rates and yields are subject to change without notice.  Some accounts require a specific minimum balance to earn the stated APY.  A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. No broker or institutional deposits will be accepted. 

Rates effective 03/21/23.

Certificate Special IRA Rates (IRA CD Specials) 

Jumbo Certificate Special Rates (Jumbo IRA CD Specials) 

Additional funds can be added to your Certificate Account at a minimum of $250. 

¹ APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.

³ Minimum account opening deposit of (Certificate $500/Jumbo $50,000). APY is based on the assumption that funds will remain in the Certificate account until maturity. Interest rates will vary based on membership level. Terms and interest will change at maturity. A $5.00 deposit to a Member Savings Account is required and will establish your membership. We Florida Financial has the right to change or withdraw this offer at any time. Rates Effective 03/21/23.