Earn up to 2.69% APY*


Call us at 904.204.7005 or complete the form below to have someone contact you.

If CD rates go up, you can choose to have your rate go up too!

It's like having your cake and eating it too! If rates go up, we don’t want you to miss out. That’s why we created a new CD so you don’t have to. You can request a higher rate without penalty once during the term. If our rate goes down, your rate remains the same.

Get ready to start earning 3x the National Average**

Certificate of Deposit

  • Adjust your CD rate one-time during the term
  • If rates goes up, yours does too
  • If our rates decrease, yours remains the same
  • Earnings are paid monthly
  • Avoid market volatility
  • Available for 36 and 60 month terms
  • Low minimum opening deposits
Deposit Adjustable CD Dividend Rate Yield (APY)
$500 min. deposit 36 Month 2.20% 2.22%
$500 min. deposit 60 Month 2.40% 2.43%
$45,000  min. deposit 36 Month 2.25% 2.28%
$45,000  min. deposit 60 Month 2.45% 2.48%
$100,000 min. deposit 36 Month 2.35% 2.38%
$100,000 min. deposit 60 Month 2.55% 2.58%
$250, 000 min deposit 36 Month 2.45% 2.48%
$250, 000 min deposit 60 Month 2.65% 2.69%

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.
*APY= Annual Percentage Yield. Interest compounded monthly. Subject to an early withdraw penalty equivalent to 180 days of interest earned. Rates accurate as of 06/01/2019. The required minimum opening deposit is $500.  Fees may reduce earnings. Our Adjustable Rate CD allows you to adjust your interest rate one time during the term of the current CD. This change is a one-time option during the 36/60 month term of the certificate. You will have to make the decision to adjust the dividend rate to the current published 36/60 month adjustable certificate dividend rates and call us at 904.354 8537 if you want to adjust. If you adjust the dividend rate, this new dividend rate would be fixed for the remainder of the 36/60 month certificate term. For the Youth Advantage Certificate, you have the ability to make multiple deposits of additional funds (add-ons) to the certificate account with a minimum deposit of $25 or more. Restrictions apply and rates can change at any time without notice.
**APY National Average comparison is current as of June 3, 2019, as published in the FDIC's Weekly National Rates and Rate Caps.