Best Credit Union 2 Year CD Rates in Plantation, Florida, FL

You are viewing rates from credit unions across Plantation

Below are two year Certificates of Deposit (CD) rates from credit unions located in Plantation, Florida. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on credit union and bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

Plantation, FL - December 21, 2024

2 Year CD National Average : 0.66% ^?

Credit Unions	APY	MIN	MILES ^?
Power Financial Restrictions	5.12% 0.35%	$2,500 $500	-	Learn More Add Review
Ithink Financial Restrictions	4.75% 3.05%	$25,000 $1,000	-	Learn More Add Review
Rate History: 5.35% → 5.25% → 5.00% → 2.38% → 4.75%
Grow Financial Restrictions	4.70% 4.59%	$100,000 $500	-	Learn More
Rate History: 4.44% → 4.70%
Why did I get a loan with them? \| Nov 30, 2020 I will never do business with grow again. Very dissatisfied as a client. Read More Reviews (1)
All In Restrictions	4.54% 4.49%	$100,000 $1,000	-	Learn More
Rate History: 3.76% → 4.18% → 4.23% → 4.44% → 4.54%
douglasmcrainey@gmail.com \| Feb 6, 2023 Everyone was very friendly and helpful. Read More Reviews (1)
Trax Restrictions	4.50% 3.60%	$500 $100,000	-	Learn More Add Review
Campus Usa Restrictions	4.50% 2.78%	$25,000 $2,000	-	Learn More Add Review
Community First Credit Union Of Flo Restrictions	4.45% 4.39% 4.29% 4.24%	$250,000 $100,000 $45,000 $500	-	Learn More Add Review
Partners Restrictions	4.40% 3.60%	$1,000 $500	-	Learn More Add Review
Rate History: 4.70% → 5.00% → 4.45% → 4.40%
Suncoast Restrictions	4.25% 4.00%	$100,000 $500	-	Learn More
Rate History: 4.90% → 4.25%
Joyce0416 \| Jan 12, 2022 I did a signature loan to pay off two credit cards in December 2021 of $10,000 @ 10.75 % Then 30 days later in January 2022 Suncoast offers its members to pay off your credit cards @ 5.9 % That did not s... Read More Reviews (1)
Northrop Grumman Restrictions	4.19% 4.04%	$40,000 $2,500	-	Learn More Add Review
Rate History: 4.59% → 4.51% → 4.25% → 4.30% → 4.19%
Eglin Restrictions	4.02%	$2,500	-	Learn More Add Review
Vystar Restrictions	4.00% 3.90%	$50,000 $500	-	Learn More
Sharon \| Aug 8, 2023 The mobile banking issues happened during a planned conversion to a new platform. VyStar said all funds are secure. The bank is using local banking tech firm Nymbus to launch the new platform electing it a... Read More Reviews (2)
Brightstar Restrictions	3.95%	$500	-	Learn More
Rodriguez \| Jun 22, 2023 BrightStar is great with members. The CD rate for 13 months is 4.75%! Read More Reviews (1)
Wings Financial Restrictions	3.80% 1.81% 1.76% 1.71% 1.66%	$501 $250,000 $100,000 $10,000 $500	-	Learn More Add Review
Rate History: 5.35% → 3.80%
Space Coast Restrictions	3.80%	$500	-	Learn More
philip gladchuk \| Sep 30, 2016 what the rate on 5 years cd if your a elite member Read More Reviews (1)
Usf Federal Credit Union Restrictions	3.80%	$500	-	Learn More Add Review
Rate History: 4.65% → 4.45% → 4.30% → 3.80%
Gte Restrictions	3.76% 3.51%	$100,000 $500	-	Learn More
Rate History: 4.33% → 3.81% → 3.76%
Run Away As Fast As You Can \| Aug 15, 2019 I applied for a jumbo CD account over two weeks ago. They asked me for more documentation than my mortgage company did and then they did a hard credit pull. They advertise fast and simple they are simply n... Read More Reviews (1)
Navy Federal Credit Union Restrictions	3.75%	$100,000	-	Learn More
Rate History: 4.15% → 4.05% → 3.75%
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Navy Federal Credit Union Restrictions	3.70%	$1,000	-	Learn More
Rate History: 4.10% → 4.00% → 3.70%
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
Publix Employees Restrictions	3.65% 3.55%	$100,000 $1,000	-	Learn More Add Review
Florida Restrictions	3.65%	$1,000	-	Learn More Add Review
Envision Restrictions	3.60%	$1,000	-	Learn More Add Review
Rate History: 4.07% → 3.82% → 3.76% → 3.71% → 3.60%
Velocity Community Restrictions	3.55%	$5,000	-	Learn More Add Review
Rate History: 5.00% → 2.50% → 3.55%
Community South Restrictions	3.55%	$500	-	Learn More Add Review
Rate History: 1.11% → 4.32% → 3.55%
Baxter Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 3.85% → 4.05% → 4.00% → 3.55% → 3.50%
Lake Michigan Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 3.00% → 3.50%
Community Credit Union Of Florida Restrictions	3.40%	$1,000	-	Learn More Add Review
Rate History: 3.70% → 3.40%
121 Financial Restrictions	3.40%	$500	-	Learn More
Former member \| Oct 17, 2018 This was a great credit union when it was Florida Telco. They have lost all their former great customer service. Trying care about their members anymore.... It's just like a bank Read More Reviews (1)
Achieva Credit Union Restrictions	3.25% 2.90%	$500 $75,000	-	Learn More Add Review
Rate History: 4.40% → 3.60% → 3.50% → 3.60% → 3.25%
Radifi Restrictions	3.10% 3.05% 3.00% 2.95% 2.90%	$100,000 $50,000 $25,000 $2,500 $500	-	Learn More Add Review
American Airlines Restrictions	2.99%	$1,000	-	Learn More
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
Insight Restrictions	2.85% 2.75%	$1,000,000 $1,000	-	Learn More Add Review
Rate History: 4.10% → 4.55% → 3.55% → 2.85%
Central Credit Union Of Florida Restrictions	2.80%	$250	-	Learn More Add Review
Rate History: 2.90% → 2.80%
Florida Central Restrictions	2.75%	$500	-	Learn More Add Review
Tyndall Restrictions	2.75%	$1,000	-	Learn More
yarbroughangie.80@gmail.com \| Jan 18, 2022 Need to see form for wiring money from another state to Panama City Florida USA Read More Reviews (5)
First Commerce Restrictions	2.70%	$1,000	-	Learn More Add Review
Rate History: 2.90% → 2.70% → 4.75% → 2.90% → 2.70%
Pen Air Restrictions	2.65%	$500	-	Learn More
Mark Long \| Apr 13, 2021 Please don't use Pen Air Federal Credit Union for a variety of reasons. The security system isn't set up with fraud in mind. The IRS deposited money into my child's account that wasn't intended for the mem... Read More Reviews (1)
Educational Restrictions	2.58% 2.53%	$100,000 $1,000	-	Learn More Add Review
Mccoy Restrictions	2.43% 2.32% 2.22% 2.12%	$100,000 $25,000 $5,000 $1,000	-	Learn More Add Review
Tampa Bay Restrictions	2.25% 0.75%	$100,000 $500	-	Learn More Add Review
Rate History: 0.80% → 0.75% → 2.25%
Midflorida Restrictions	2.15%	$1,000	-	Learn More
Rate History: 1.75% → 2.00% → 2.25% → 2.15%
Carson76 \| Feb 4, 2020 This is false advertising. The actual apy is 2.5º\º Read More Reviews (1)
Fairwinds Restrictions	2.00%	$1,000	-	Learn More Add Review
Tropical Financial Restrictions	1.25%	$500	-	Learn More Add Review
Jacksonville Firemen's Restrictions	1.11%	$10,000	-	Learn More Add Review
City & Police Restrictions	0.99%	$10,000	-	Learn More Add Review
People's Alliance Restrictions	0.90%	$10,000	-	Learn More Add Review
Platinum Restrictions	0.90%	$10,000	-	Learn More Add Review
Harvesters Restrictions	0.90%	$10,000	-	Learn More Add Review
Together Restrictions	0.90%	$10,000	-	Learn More Add Review
First Florida Restrictions	0.89%	$10,000	-	Learn More
ted \| Jul 7, 2019 wrong rate! Read More Reviews (1)
Alive Restrictions	0.87%	$10,000	-	Learn More Add Review
Jm Associates Restrictions	0.85%	$100,000	-	Learn More Add Review
Innovations Restrictions	0.85%	$10,000	-	Learn More Add Review
South Florida Restrictions	0.80%	$10,000	-	Learn More Add Review
Geico Restrictions	0.80%	$10,000	-	Learn More Add Review
Jm Associates Restrictions	0.80%	$10,000	-	Learn More Add Review
Tallahassee Community	0.80%	$10,000	-	Learn More Add Review
Panhandle Educators Restrictions	0.80%	$10,000	-	Learn More Add Review
Santa Rosa County Restrictions	0.80%	$10,000	-	Learn More Add Review
Miami Postal Service Restrictions	0.75%	$10,000	-	Learn More Add Review
Miami Restrictions	0.75% 0.60%	$10,000 $200	-	Learn More Add Review
San Antonio Citizens Restrictions	0.75%	$10,000	-	Learn More Add Review
Florida Rural Electric Restrictions	0.75%	$10,000	-	Learn More Add Review
Members First Cu Of Florida Restrictions	0.75%	$500	-	Learn More Add Review
Coastline Restrictions	0.74%	$100,000	-	Learn More Add Review
Miami Firefighters Restrictions	0.70%	$10,000	-	Learn More Add Review
Everence Restrictions	0.70%	$100,000	-	Learn More Add Review
United Methodist Connectional Restrictions	0.70%	$10,000	-	Learn More Add Review
Trugrocer Restrictions	0.70%	$100,000	-	Learn More Add Review
First Coast Community Restrictions	0.70%	$10,000	-	Learn More Add Review
Jacksonville Postal & Professional Restrictions	0.70%	$10,000	-	Learn More Add Review
Sun Restrictions	0.66%	$100,000	-	Learn More Add Review
Connect Credit Union Restrictions	0.65%	$100,000	-	Learn More Add Review
Okaloosa County Teachers Restrictions	0.65%	$10,000	-	Learn More Add Review
Trugrocer Restrictions	0.65%	$10,000	-	Learn More Add Review
Baptist Health South Florida Restrictions	0.65%	$50,000	-	Learn More Add Review
Adventhealth Restrictions	0.65%	$100,000	-	Learn More Add Review
Ocala Community Restrictions	0.65%	$100,000	-	Learn More Add Review
Gulf States Restrictions	0.61%	$10,000	-	Learn More Add Review
Sun Restrictions	0.61%	$10,000	-	Learn More Add Review
Connect Credit Union Restrictions	0.60%	$10,000	-	Learn More Add Review
Jetstream Restrictions	0.60%	$10,000	-	Learn More Add Review
United Police Restrictions	0.60%	$100,000	-	Learn More Add Review
Everence Restrictions	0.60%	$10,000	-	Learn More Add Review
Coastline Restrictions	0.60%	$10,000	-	Learn More Add Review
Baptist Health South Florida Restrictions	0.55%	$25,000	-	Learn More Add Review
United Police Restrictions	0.55%	$10,000	-	Learn More Add Review
Coast 2 Coast Financial Restrictions	0.55%	$10,000	-	Learn More Add Review
Adventhealth Restrictions	0.55%	$10,000	-	Learn More Add Review
Florida State University Restrictions	0.55%	$10,000	-	Learn More Add Review
T M H Restrictions	0.55%	$10,000	-	Learn More
Drdotm@yahoo.com \| Feb 20, 2021 I have had an account here for many years. The company they have servicing their credit cards engages in disreputable business practices regarding chargebacks. They no longer answer their phone, insistin... Read More Reviews (1)
Broward Healthcare Restrictions	0.54%	$100,000	-	Learn More
Sarah \| Dec 28, 2022 Commerical branch is terrible. Their overdraft fees are terrible and good luck getting anyone to cut you a break. Read More Reviews (3)
Tampa Postal Restrictions	0.50%	$10,000	-	Learn More Add Review
Priority One Credit Union Restrictions	0.50%	$10,000	-	Learn More Add Review
Ocala Community Restrictions	0.50%	$10,000	-	Learn More Add Review
Tallahassee-leon Restrictions	0.45%	$10,000	-	Learn More Add Review
Broward Healthcare Restrictions	0.44%	$10,000	-	Learn More
Sarah \| Dec 28, 2022 Commerical branch is terrible. Their overdraft fees are terrible and good luck getting anyone to cut you a break. Read More Reviews (3)
Bay Restrictions	0.41%	$10,000	-	Learn More Add Review
Ficare Restrictions	0.40%	$10,000	-	Learn More Add Review
University Restrictions	0.35%	$10,000	-	Learn More Add Review
My Healthcare Restrictions	0.35%	$10,000	-	Learn More Add Review
Sunstate Restrictions	0.30%	$1,000	-	Learn More Add Review
Flag	0.30%	$10,000	-	Learn More Add Review
Priority Restrictions	0.30%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2024

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

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Credit Union CD Rates – 2-Year – Plantation, Florida

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2024

NCUA Insurance

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

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