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Certificates of Deposit

For a limited time only,  open a 13-month Certificate of Deposit (CD) with rates as high as 4.29%.* 
You can get started for as little as $500!

Schedule an Appointment

LIMITED-TIME CD RATE OFFER

Don't miss out on our limited-time 13-month CD offer with rates as high as 4.29%*. You can get started for as little as $500! Earn more so you can reach your savings goals, whether that's saving for retirement, buying a new car, purchasing a home, or anything else.

  • Competitive Rates: Enjoy rates higher than the national average.
  • Guaranteed Returns: Once you make your deposit, your rate is locked in.
  • Hands off: You don't have to manage your account so you can focus on what's important to you.

READY TO GET STARTED?

SCHEDULE AN APPOINTMENT

SCHEDULE AN APPOINTMENT

Opening an account is easy. Schedule an appointment to get started.

Schedule an Appointment

NOT A CFCU MEMBER? APPLY NOW

NOT A CFCU MEMBER? APPLY NOW

Apply to become a Community First member so you can take advantage of these great rates.

Apply Now

APPLY IN ONLINE OR MOBILE BANKING

APPLY IN ONLINE OR MOBILE BANKING

Log into Online Banking > Open & Apply > Open a New Account > Open Additional Account > select Certificate Account > add 13 Month Promo CD product.

Log Into Online Banking

FREQUENTLY ASKED QUESTIONS

Certificate of Deposit (CD) is a type of investment that earns interest in a lump sum over a set period (the "term" of the CD). They generally offer higher interest rates than savings accounts which helps you earn more. The difference between a CD and a savings account is that the money (the "principal" amount) you invest can't be withdrawn until the end of your term or you risk penalty fees or losing interest.


APY stands for Annual Percentage Yield. APY is how much you earn on your deposit over the course of a year.



We will send you a letter before your CD is set to mature. You will have the option to either open a new CD with a new rate and term or move the money to the share you selected at CD opening.


We may impose a penalty if certificate funds other than dividends are withdrawn prior to the maturity date. For the 13-month promo CD, the penalty will be a loss of 180 days of dividends. The certificate principal balance may be reduced if necessary to effect the penalty. The penalty does not apply to any of the following withdrawals: withdrawal subsequent to the death of any owner; or if the account is part of a qualified individual retirement plan (IRA) and the withdrawal is to effect distribution of funds upon the participant’s disability or attainment of not less than 59 1/2 years of age.

Federally insured by NCUA. Membership is open to anyone who lives, works, or attends school in one of the following counties: Baker, Brevard, Broward, Clay, Duval, Flagler, Indian River, Lake, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia. Membership is also open to any relative of an existing or eligible Community First Credit Union of Florida member. We also offer membership to Select Employer Groups, including all employees of Brooks Rehabilitation and Web.com. An initial deposit of $5 to be held in your Community First Share account is required for membership

*Rate listed applies to 13-month term. APY=Annual Percentage Yield. Interest compounded monthly. Subject to early withdrawal penalty. Offer may end at any time without notice. Rates accurate as of 01/17/23. The required minimum opening deposit for 3.82% APY rate is $500.00. The required minimum opening deposit for 4.08% APY rate is $45,000.00. The required minimum opening deposit for 4.18% APY rate is $100,000.00. The required minimum opening deposit for 4.29% rate APR is $250,000. Fees may reduce earnings. Restrictions apply and rates can change at any time without notice. No renewal.