Envision Credit Union Raises Long-Term CD Rates


Deal Summary: 36-month CD (1.00% APY) and 48-month CD (1.16% APY), $500 minimum deposit.

Availability: 13 Florida Panhandle counties and five southwest Georgia counties.

Last week, Florida-based Envision Credit Union (Envision CU) raised the rates on its 36-month CD (1.00% APY) and 48-month CD (1.16% APY). With slight increases of 5 and 6 bps, these two long-term CDs offer the most competitive rates in the CD product line. The minimum opening deposit is $500, with no stated balance cap.

1.26%$500-Envision CU (FL)48 Month IRA
1.26%$500-Envision CU (FL)48 Month CD
1.00%$500-Envision CU (FL)36 Month IRA
1.00%$500-Envision CU (FL)36 Month CD
Rates as of December 8, 2021.

Both CDs are also available IRA CDs (Traditional, Roth), earning the same APYs with the same deposit requirements.

As stated in the Truth-in-Savings disclosure, the Early Withdrawal Penalty (EWP) reads as follows:

Terms of 36 [months] or longer 182 days’ interest

According to CSR, partial withdrawals are allowed, with the EWP applying to the amount being withdrawn.

Funding and Maturing Funds Distribution

While online funding is available as part of the online application process, CSR stated that “electronic funding is limited to $5,000.00.” CSR also said an internal transfer from an Envision savings account is an easy way to fund a new CD, particularly since Envision participates in the CO-OP Shared Branch network. You have eight days in which to fund a CD, following the acceptance of the application.

Maturing funds can be distributed by check to the address on file or transferred to an Envision savings/checking account. There is a seven day grace period following the maturity date before the CD automatically renews.


Headquartered in Tallahassee, Florida, Envision Credit Union’s field of membership (FOM) is community-based, with individuals who live or work in the Florida counties of Bay, Calhoun, Franklin, Gadsden, Holmes, Jackson, Jefferson, Leon, Liberty, Okaloosa, Wakulla, Walton or Washington, or the Georgia counties of Brooks, Decatur, Grady, Mitchell, or Thomas, eligible to join.

Immediate family members of a current Envision CU member are also eligible to join.

Joining Envision CU and/or opening a CD can be done online or at any of nine Florida branches located in Chattahoochee, Marianna, Quincy, and Tallahassee (6), or three Georgia branches located in Bainbridge and Thomasville (2). Appointments are available and can be scheduled by calling 850.942.9000.

Opening a Member Share savings account with a $5 minimum deposit establishes a new Envision CU account.

Envision CU is a member of both the CO-OP Shared Branch network and ATM network.

Credit Union Overview

Envision Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 4.07% (excellent) based on June 30, 2021 data. In the past year, Envision CU has increased its total non-brokered deposits by $69.72 million, an excellent annual growth rate of 11.51%. Please refer to our financial overview of Envision Credit Union (NCUA # 67329) for more details.

Envision Credit Union is currently the 29th largest credit union headquartered in Florida, with more than 57,000 members and assets in excess of $778 million. Established by ten Leon County teachers, the original Leon County Teachers Credit Union was run out of Miss Lora Lewis’ Leon High classroom during the week and in her kitchen on Saturdays. In nearly 70 years of operation, there have been many changes:

  • January 1954 – Leon County Teacher Credit Union founded
  • September 1979 – LCTCU becomes North Florida Education Credit Union
  • January 2001 – NFECU becomes Envision Credit Union
  • February 2016 – FOCUS Credit Union merges into Envision CU
  • August 2017 – Rose City Federal Credit Union merges into Envision CU

What began as a modest attempt to match the savings needs of some members to the borrowing needs of other members has become a full-service financial institution serving more than 55,000 members at twelve locations, and around the world via the Internet. That's a long way from Ms. Lewis' kitchen and a cigar box. By providing access through personal computers and mobile devices, we now have as many "branches" as there are members.

How the CDs Compare

When compared to 221 similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available in within the FOM, Envision Credit Union’s 36-Month CD APY currently ranks third.

Interest RateCD Length of TermCredit Union/Bank
1.11% APY36-Month CD (EWP=180 days)Hughes Federal Credit Union
1.01% APY3-Year Fixed CD (EWP=360 days)Lafayette Federal Credit Union
1.00% APY36-Month CD (EWP=182 days)Envision Credit Union

When compared to 185 similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available in within the FOM, Envision Credit Union’s 48-Month CD APY currently ranks second.

Interest RateCD Length of TermCredit Union/Bank
1.17% APY48-Month Share Certificate (EWP=365 days)Interior Federal Credit Union
1.16% APY48-Month CD (EWP=182 days)Envision Credit Union
1.15% APY47-Month CD Special (EWP=180 days)Abound Credit Union

The above information and rates are accurate as of 11/22/2021.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Tallahassee CD rates, Panama City CD rates, 5-year CD rates


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