Florida rates: up to 4.50% APY
credit union · NCUA CHARTER 60497 · www.flcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Holiday Club | $0.01 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Savings | $500 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | Individual Retirement Account | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Special Savings | $500 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Vacation Club | $0.01 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings | $0.01-$750.00 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings | $750.01 and more | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 6 month CD & IRA CD | $1,000 · 6 months | 3.65% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 month CD & IRA CD Special | $1,000 · 7 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 9 month CD & IRA CD Special | $1,000 · 9 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 month CD & IRA CD | $1,000 · 1 year | 3.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 13 month CD & IRA CD Special | $1,000 · 13 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 month CD & IRA CD | $1,000 · 18 months | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 19 month CD & IRA CD Special | $1,000 · 19 months | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 month CD & IRA CD | $1,000 · 2 years | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 month CD & IRA CD | $1,000 · 3 years | 2.80% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 month CD & IRA CD | $1,000 · 4 years | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 month CD & IRA CD | $1,000 · 5 years | 2.80% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $2,500-$9,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000- $24,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000- $39,999.99 | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $40,000-$99,999.99 | 0.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000-$1,999,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $2,000,000-$4,999,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $5,000,000 and more | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Advantage | $65,000-$99,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Advantage | $100,000- $249,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Advantage | $250,000-$4,999,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Advantage | $5,000,000 and more | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Plus | $50,000-$99,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Plus | $100,000-$1,999,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Plus | $2,000,000-$4,999,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Plus | $5,000,000 and more | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Specials - Personal | $2,500-$9,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Specials - Personal | $10,000- $24,999.99 | 0.98% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Specials - Personal | $25,000- $49,999.99 | 1.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Specials - Personal | $50,000- $99,999.99 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Specials - Personal | $100,000- $999,999.99 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Specials - Personal | $1,000,000 and more | 2.00% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Consumer Interest Checking | $10,000- $24,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Interest Checking | $25,000- $49,999.99 | 1.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Interest Checking | $50,000- $99,999.99 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Interest Checking | $100,000- $249,999.99 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Interest Checking | $500,000- $749,999.99 | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Interest Checking | $750,000- $999,999.99 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Interest Checking | $1,000,000- $1,499,999.99 | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Interest Checking | $1,500,000.00+ | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Value Checking | N/A | 0.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.flcu.org/cd-checking/ | — | extract-failed | |
| www.flcu.org/fcu-rates/deposit-rates/ | 2026-11-01 17:53 UTC | ok | aa673804de4f |
| www.flcu.org/rates/deposit-rates/ | 2026-11-01 17:53 UTC | ok | ecb6e198b40f |