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Home > Personal > Save With Us > Certificates of Deposit

Certificates of Deposit


Members First Credit Union of Florida Certificates of Deposit (CD) are the way to go when you have money to put aside and won’t need to access it for a while. We’re excited to help you experience safe and guaranteed growth on those savings.

Certificate of Deposit Basics

Certificates of Deposit (CD) or Share Certificates are deposits with a built-in timeline. You can’t withdraw from CDs whenever you want (without incurring a penalty). Instead, you wait until the CD reaches what is known as a maturity date. The further away the maturity date, the longer the term length. Generally speaking, the longer the term length is on a CD, the higher the interest rate will be. 


Help your savings grow. You'll earn
interest monthly on your CD. Plus, you
can receive a higher interest rate with a
CD than a standard savings.


Your savings are federally insured
to at least $250,000 by the NCUA
National Credit Union Administration,
a U.S. Government agency).


There are a variety of CD term lengths,
so you can use CDs for goals that
are anywhere from a few months
to a few years away.


Choosing the Right CD for You 

You have your choice of a short-term or long-term investment that will pay out higher dividend rates than a savings account. You will earn interest monthly, which we can either post to your CD, deposit into a specified account, or mail to you as an interest check.

  • $500.00 minimum deposit to open
  • Your CD's maturity date can range from 30 days to 10 years*
  • If you choose a maturity of 24 months or longer, it will become a No Penalty CD (this means you can convert the current rate to a higher rate once during the life of the CD)

View Rates

Looking to build your savings, but don't have a lot to deposit? Our Members First Add-On Certificate is the right option for you! Our Add-On Certificate is an easy-to-open deposit account that helps you grow small initial deposits into larger ones.

  • No minimum to open
  • 12-month term*
  • Great rate — comparable to high deposit rates
  • Ability to add up to $2,500.00 per month

View Rates

Our youth members ages 18 and under can take advantage of this unique deposit account. It’s an easy way to set money aside for the future while earning more than a regular savings account.

  • No minimum to open
  • 3-month term*
  • Add up to $2,500.00 per month

View Rates

A bump-up certificate of deposit is a savings certificate that gives you the option to take advantage of rising interest rates with a one time option to "bump up" the interest rate paid. 

  • $500.00 minimum deposit to open
  • 24-month term and greater
  • Bump up the rate to a higher rate once during the life of the CD

View Rates


Contact Us

To learn more about Members First Certificates of Deposit, please stop by one of our locations or speak with a Call Center Representative at (877) 434-6328 or locally at (850) 434-2211. Our Call Center hours are Monday - Friday from 8:30 a.m. - 4:30 p.m. 






Avoidable Fees

Early withdrawal penalties

  • Less than 12 months – 90 days’ interest
  • 12 up to 24 months – 180 days’ interest
  • 24 months and greater – 360 days’ interest


*Each CD will automatically renew at maturity. A renewal notice is mailed fifteen days before maturity. At maturity, there is a 10-day grace period to make any changes to the CD without penalty. 

An interest penalty may be imposed for early withdrawals. All rates are subject to change without notice. Dividends calculated by the Average Daily Balance Method. APR= Annual Percentage Rate. Federally insured by NCUA.

All rates are subject to change at the sole discretion of the Board of Directors.****

For further information on all Credit Union deposit accounts, please refer to our Account Disclosures, give us a call at (850) 434-2211, or stop by one of our branch locations.


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Members First CU of Florida
NMLS #405711
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)

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