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You are viewing rates from credit unions across Florida
Below are four year CD Rates from credit unions in Florida. Four Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.
FL - November 2, 2024
4 Year CD National Average : 0.81% ?
| Credit Unions | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.13% 4.02% |
$100,000 $500 |
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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 |
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4.13% 4.07% |
$100,000 $1,000 |
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Rate History: 4.80% → 3.66% → 4.13% → 4.18% → 4.13% |
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douglasmcrainey@gmail.com | Feb 6, 2023 Everyone was very friendly and helpful. Read More |
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4.08% 3.30% |
$1,000 $25,000 |
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Rate History: 3.46% → 4.18% → 4.08% |
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4.05% |
$500 |
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Rodriguez | Jun 22, 2023 BrightStar is great with members. The CD rate for 13 months is 4.75%! Read More |
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4.01% 3.85% |
$40,000 $2,500 |
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Rate History: 4.17% → 4.21% → 4.06% → 4.11% → 4.01% |
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3.95% 3.70% |
$100,000 $500 |
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Rate History: 3.95% → 3.85% → 3.95% |
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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 |
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3.82% |
$2,500 |
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3.82% 3.77%3.61% 3.56% |
$250,000 $100,000$45,000 $500 |
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3.75% 3.65% |
$500 $100,000 |
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3.72% |
$1,000 |
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3.71% |
$1,000 |
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Rate History: 4.18% → 3.92% → 3.87% → 3.76% → 3.71% |
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3.70% 3.60% |
$50,000 $500 |
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Rate History: 3.75% → 3.70% |
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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 |
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3.60% 3.50% |
$100,000 $1,000 |
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3.60% 3.55%3.50% 3.25% |
$100,000 $50,000$1,000 $500 |
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Rate History: 3.40% → 3.60% |
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3.56% 3.30% |
$25,000 $2,000 |
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3.55% |
$500 |
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philip gladchuk | Sep 30, 2016 what the rate on 5 years cd if your a elite member Read More |
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3.50% |
$5,000 |
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Rate History: 4.75% → 3.00% → 3.50% |
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3.50% 3.45%3.40% 3.35% 3.30% |
$100,000 $50,000$25,000 $2,500 $500 |
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3.50% |
$500 |
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3.45% |
$1,000 |
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Rate History: 3.55% → 3.45% |
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3.45% |
$500 |
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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 |
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3.40% |
$500 |
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Rate History: 4.25% → 3.85% → 3.55% → 3.40% |
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3.40% 3.14% |
$100,000 $500 |
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Rate History: 5.12% → 3.56% → 3.40% |
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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 |
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3.35% |
$500 |
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3.35% |
$500 |
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Rate History: 4.29% → 4.08% → 3.87% → 3.67% → 3.35% |
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Asheville Saver | Dec 30, 2018 Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in. Read More |
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3.25% |
$1,000 |
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3.25% |
$1,000 |
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yarbroughangie.80@gmail.com | Jan 18, 2022 Need to see form for wiring money from another state to Panama City Florida USA Read More |
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3.20% |
$1,000 |
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Rate History: 3.80% → 3.20% |
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Rob | Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More |
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3.20% 3.05%2.90% |
$100,000 $40,000$1,000 |
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Learn More
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dapatton@pacbell.net | May 12, 2016 19 what, years or months Read More |
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3.10% |
$1,000 |
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Learn More
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Rate History: 3.10% → 5.00% → 2.90% → 2.70% → 3.10% |
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3.10% 3.05% |
$100,000 $1,000 |
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3.09% |
$1,000 |
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jose | Jun 12, 2017 five star......great location...fast service Read More |
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2.75% |
$500 |
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Rate History: 2.95% → 3.05% → 2.90% → 2.70% → 2.75% |
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2.75% |
$500 |
- |
Learn More
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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 |
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2.75% 2.50% |
$500 $75,000 |
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Learn More
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Rate History: 2.70% → 3.50% → 3.60% → 3.40% → 2.75% |
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2.60% 2.50% |
$1,000,000 $1,000 |
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2.53% 2.48%2.42% 2.37% |
$250,000 $100,000$10,000 $500 |
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Learn More
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2.50% |
$1,000 |
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Learn More
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Rate History: 2.25% → 2.50% → 3.00% → 2.50% |
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Carson76 | Feb 4, 2020 This is false advertising. The actual apy is 2.5º\º Read More |
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2.27% |
$1,000 |
- |
Learn More
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Rate History: 3.04% → 2.53% → 2.17% → 2.02% → 2.27% |
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2.00% |
$500 |
- |
Learn More
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Rate History: 2.30% → 2.10% → 2.00% |
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2.00% |
$1,000 |
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1.31% |
$10,000 |
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1.29% |
$10,000 |
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ted | Jul 7, 2019 wrong rate! Read More |
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1.25% |
$500 |
- |
Learn More
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1.20% |
$10,000 |
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Learn More
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1.20% |
$10,000 |
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1.17% |
$10,000 |
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1.10% |
$10,000 |
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1.10% |
$500 |
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1.07% |
$10,000 |
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1.05% |
$100,000 |
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1.00% |
$100,000 |
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1.00% |
$10,000 |
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0.95% |
$10,000 |
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0.95% |
$10,000 |
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0.95% |
$10,000 |
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0.95% |
$100,000 |
- |
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0.94% |
$100,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.85% |
$50,000 |
- |
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0.85% |
$500 |
- |
Learn More
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Rate History: 0.90% → 0.85% |
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0.81% |
$10,000 |
- |
Learn More
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0.80% |
$10,000 |
- |
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0.80% |
$100,000 |
- |
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0.80% |
$10,000 |
- |
Learn More
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0.80% |
$10,000 |
- |
Learn More
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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 |
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0.75% |
$25,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
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0.70% |
$10,000 |
- |
Learn More
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0.70% |
$500 |
- |
Learn More
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0.65% |
$1,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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0.61% |
$10,000 |
- |
Learn More
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0.60% |
$500 |
- |
Learn More
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Slynyrd | Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More |
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0.45% |
$1,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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0.41% |
$500 |
- |
Learn More
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
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.
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.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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