CERTIFICATES TO BOOST YOUR EARNINGS

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First Florida offers certificates with flexible terms and better yields.

Are your savings earning enough?

First Florida certificates are a perfect savings option when you want to earn more on your money effortlessly and without the headache of navigating market volatility.

With a high-yield certificate from First Florida Credit Union, your savings go further. Let your money work harder, and watch your savings grow!

Choose among our unique certificates that offer flexible terms, better yields, and are federally insured.^†

Reach your financial goals faster with:

Low minimum deposits
Interest compounded and paid monthly
Short-term certificate and long-term certificate options to hit your financial goals

Opening a certificate with First Florida only takes moments and keeps your money safe while earning more dividends than the average savings account.

Certificate Rates (also for IRA Certificates)

Rates effective as of 4/9/2025

Type	Minimum to Open	Interest Rate	Annual Percentage Yield
3 Month	$1,000	3.24%	3.29%	Open
6 Month	$1,000	3.49%	3.55%	Open
12 Month	$1,000	4.00%	4.07%	Open
18 Month	$1,000	4.00%	4.07%	Open
24 Month	$1,000	4.10%	4.18%	Open
30 Month	$1,000	3.69%	3.75%	Open
36 Month	$1,000	3.49%	3.55%	Open
48 Month	$1,000	3.24%	3.29%	Open
60 Month	$1,000	3.24%	3.29%	Open
24 Month Step*	$1,000	4.01%	4.08%	Call
24 Month Sand Dollar**	$300	4.10%	4.18%	Call

The minimum balance requirement to open a certificate is $1,000. The interest rates and Annual Percentage Yields (APYs) are fixed and will be in effect for the term of the certificates. Interest is compounded and paid monthly on all terms. The APYs are based on the assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. A substantial penalty applies to early withdrawal of principal before maturity.

*At maturity, this certificate will automatically renew as a regular 24 month term at the rate in effect at that time. Once during the term, you may exchange this APY for the current APY in effect at that time. You may also add any amount to the balance at the same time.

**Minimum $300 to open. For Sand Dollar Savings Club (SDSC) members only. SDSC is designed for children 12 and younger.

Membership eligibility is required.

Federally insured to at least $250,000 (IRA accounts insured separately up to $250,000) by NCUA, an agency of the US Government.

How to Choose the Right Certificate for Your Financial Goals

A certificate lets your money work harder so you can confidently plan for the future. Save for a home repair, set aside money for an upcoming expense, or add a predictable savings account to your retirement portfolio. When looking for ways to save more, First Florida certificates help you get to where you want to be faster than a basic savings account.

Short-Term Certificate Options

Are you interested in maximizing your savings without locking up your money long-term? First Florida’s short-term certificates offer flexibility and can help you reach upcoming savings goals, such as:

Buying a car
A down payment on a home
A fund for planned annual expenses

Long-Term Certificate Options

Are you looking for a safe savings vehicle and above-average returns? First Florida offers long-term certificates with fixed rates for the entire term and can help you save toward financial goals, including:

Education expenses
Home renovations
A transition savings account for later use as you ease into retirement

Flexible Certificate Terms for Everything in Between

Are you looking for predictability and attractive rates in a savings account with a trustworthy financial institution? All First Florida certificates come with:

No monthly maintenance fees
Convenient renewal notices
Peace of mind with funds federally insured up to $250,000 by the National Credit Union Association (NCUA)^†

Open Your Certificate

Looking for Ways to Boost Your Retirement Savings?

First Florida certificates offer an opportunity to combine the benefits of attractive rates and compound interest with the tax advantages of an Individual Retirement Account (IRA).

Open your IRA Certificate with a representative today and add to your retirement savings effortlessly. ^‡

Prefer to connect with a representative?

Stop by a branch or schedule an appointment
By phone — call (800) 766-4328

†Federally insured up to $250,000 by NCUA, an agency of the U.S. Government.
‡IRA insured for up to an additional $250,000 by NCUA, an agency of U.S. Government.
Not available for institutional investors.
Membership eligibility is required. A Savings/Share account with a minimum balance of $5.00 is required for membership.