Lock in one of South Florida’s most competitive Certificate of Deposit rates, available in 6-Month and 12-Month terms at 4.00% APY*. Open online in minutes with a minimum of $500.
Choose Your Term. Lock In 4.00% APY.
Both terms offer the same exceptional rate. Choose the timeline that fits your savings strategy, whether you want flexibility sooner or want to maximize compounding over a full year.
6-Month or 12- Month Certificate of Deposit at 4.00% APY*
• $500 minimum opening deposit, accessible and straightforward
• Open 100% online in minutes, no branch visit required
• Ideal if you want your funds accessible within the year
• NCUA-insured up to $250,000 per depositor
Why DCFCU?
A Credit Union Built for South Florida Families
We’re not a bank. As a member-owned credit union, our profits go back to you — in the form of better rates, lower fees, and a community that genuinely cares about your financial future.
Member-Owned, Not Profit-Driven
Every dollar earned is reinvested in better rates and services for our members — not shareholders. Your savings work harder here.
NCUA Insured — Fully Protected
Your deposits are federally insured up to $250,000 by the National Credit Union Administration. Safe, secure, and federally backed.
Open Online in Minutes
No paperwork, no waiting rooms. Open your CD completely online with a $500 minimum deposit — from any device, anytime.
Rooted in South Florida for Decades
DCFCU has served Miami-Dade, Broward, Palm Beach, and Monroe County communities for generations. We know South Florida because we live here too.
Where We Serve
Proud to Serve South Florida
If you live, work, worship, or attend school in any of the counties below, you’re eligible to join DCFCU and start earning 4.00% APY on your CD today.
- Miami-Dade County, FL
- Broward County, FL
- Palm Beach County, FL
- Monroe County, FL
Not sure if you qualify? Becoming a member is simple, fast, and free. Eligibility is broad — most South Florida residents qualify.
Not a Member Yet?
Join DCFCU Today and Open Your CD in One Step
Membership is open to anyone who lives, works, worships, or attends school in Miami-Dade, Broward, Palm Beach, or Monroe County. Joining is free, fast, and done entirely online — and you can open your Certificate of Deposit in the same session.
*APY = Annual Percentage Yield. 4.00% APY 6-Month and 12-Month Share Certificate (CD), effective 6/1/2026; minimum opening balance of $500. All terms are subject to early withdrawal penalty and/or fees which may reduce earnings. Loan programs, rates, and terms may change or be discontinued at any time without notice. Membership is required.