Our rates earn up to 4.12% APY

Awesome! We Offer FOUR Ways for You to Open a CD!
Get Our Amazing Rates!

* Special Rates as High as 4.12% APY1 
* Top It Off! Free to Add After Opening2 
* Only $500 Minimum Deposit3
* No Early Withdrawal Penalty4
* Not Impacted by the Economy
Contact us

Open CD Online!

All new and existing members can open a CD online.
Find Branch

Walk in to a branch.

Walk into any of our branches and open in person.
Contact us
We will walk you through the process over the phone.
Contact us
We will walk you through the process over the phone. Service Available:
Monday - Thursday 9 AM - 5 PM.
Friday: 9 AM - 6 PM.
Saturday: 9 AM - 1 PM.

If you're looking to securely grow your money, a Certificate Account (CD) from We Florida Financial could be the perfect option. A Certificate Account is a type of savings account with a secure, guaranteed rate for a disclosed term. One of the most attractive aspects of a Certificate Account is that it's a relatively safe investment for your money. When you open a Certificate Account in South Florida, you make a commitment to keep your money in the specified account until it reaches its designated maturity date. Quite often, the further out the maturity date is, the higher your interest rate could be. Certificate Account (CDs) are an effective way to allow your money grow at a great rate!

Request A Call

Enter your info here so we can call you back and get you started.

Contact us

Certificate Special Rates

Term
Minimum
to Open3

Minimum Balance

Interest Rate
APY1
13 month
$500.00
$500.00
4.00%
4.07%
31 month
$500.00
$500.00
4.05%
4.12%
20 month
$500.00
$500.00
3.25%
3.29%
13 month Business
$500.00
$500.00
4.00%
4.07%
31 month Business
$500.00
$500.00
4.05%
4.12%
20 month Business
$500.00
$500.00
3.25%
3.29%

 

 

Jumbo Certificate Special Rates

Term
Minimum
to Open3

Minimum Balance

Interest Rate
APY1
13 month
$50,000.00
$50,000.00
4.00%
4.07%
31 month
$50,000.00
$50,000.00
4.05%
4.12%
20 month
$50,000.00
$50,000.00
3.25%
3.29%
13 month Business
$50,000.00
$50,000.00
4.00%
4.07%
31 month Business
$50,000.00
$50,000.00
4.05%
4.12%
20 month Business
$50,000.00
$50,000.00
3.25%
3.29%

 

 

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

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. Penalty waived for early withdrawal. 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 11/07/2022

2 Minimum increments of $250.

4 No penalty for withdrawal after 7 business days.