Florida State University Credit Union Has Top-Rate 3-Year CD


Deal Summary: 36-month CD, 1.90% APY, $1k minimum deposit, rate bump available.

Availability: Residents of 17 Florida Panhandle counties; students, faculty, staff, and alumni of Florida State University.

Florida State University Credit Union (FSU Credit Union) is currently offering a very competitive 1.90% APY on its 36-month CD. The minimum deposit is $1k, with no stated balance cap.

0.40%$1k-Florida State University Credit Union36 Month CD
0.40%$1k-Florida State University Credit Union36 Month IRA (Traditional, Roth, CESA)
Rates as of February 27, 2024.

The 36-month CD is also available as IRA (Traditional, Roth, CESA), earning the same APY with the same deposit requirement.

FSU Credit Union has a somewhat limited number of CDs in its product, with 36-month having the longest term and the highest rate offered. The 24- and 36-month CDs are available as “step-up” Certificates. As stated on the online application,

If our rates increase during the term of your CD, you may "step-up", one time, to that new higher rate! You must request the higher rate. The original term of the CD will renew effective the step up date


The following Early Withdrawal Penalty is also listed on the online application.

90 days interest penalty or equivalent for early withdrawal.


Headquartered in Tallahassee, Florida State University Credit Union’s field of membership (FOM) is varied, with residency status or affiliation with Florida State University serving as membership qualifications.

Residency – Individuals (18 years or older) who live or work in any of the following 17 Florida Panhandle counties qualify for membership: Bay, Calhoun, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton, or Washington.

Florida State University Relationship – FSU students in good standing and FSU faculty and staff are eligible to join, as are “members and employees of organizations that are part of the FSU community, including the FSU Alumni Association.”

Other – Also qualifying for membership are family members of current FSU Credit Union members, and residents and employees of HarborChase Senior Living Community (Tallahassee).

Joining FSU Credit Union and/or opening a CD can be done online. FSU Credit Union is in the process of re-opening its seven Florida branches. Currently, lobby service is available by appointment and drive-thru service is available during normally operating hours. According to the COVID-19 Information and Updates page,

The following branches are now open for walk-in service from 9am to 2pm, Monday through Friday:

  • Capital Circle NE Branch: 1612 Capital Circle NE, Tallahassee
  • Crawfordville Branch: 11 Osceola Ct., Crawfordville
  • North Monroe Branch: 2520 North Monroe St., Tallahassee
  • North Thomasville Rd. Branch: 6274 Old Water Oak Road, Tallahassee

Opening a Main Share account with a minimum $5 deposit establishes a FSU Credit Union membership.

FSU Credit Union participates in the CO-OP Shared Branch and ATM networks.

Credit Union Overview

Florida State University Credit Union has an overall health grade of "B+" at DepositAccounts.com, with a Texas Ratio of 8.17% (excellent) based on March 31, 2020 data. In the past year, FSU Credit Union increased its total non-brokered deposits by $4.91 million, a better than average annual increase of 2.5%. Please refer to our financial overview of Florida State University Credit Union (NCUA Charter # 67874) for more details.

Founded in 1954, Florida State University Credit Union’s original FOM was exclusive to FSU faculty and staff. Following organic growth and FOM expansions, FSU Credit Union is currently Florida’s 44th largest credit union, with more than 26,000 members and assets in excess of $236 million. The upcoming merger of Gulf Power Company Employees Credit Union into FSU Credit Union will add another 3,200 members and increase total assets by approximately $47 million.

How the CD Compares

When compared to 220 similar length-of-term CDs tracked by DepositAccounts.com, that require a similar minimum deposit and are available within the FOM, Florida State University Credit Union's 36-month CD APY* currently ranks first.

These rates are accurate as of 7/15/2020.

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

*We continue to work to keep our rates up-to-date, but there have been just too many rate cuts for us to process quickly. For the time being, please be aware that the rates listed at DepositAccounts.com may not reflect the latest rates published by the banks and credit unions.

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

  |     |   Comment #1
  |     |   Comment #2
I called 3 times on 1 day and got 3 different APY's for the 3 year CD. Very inconsistent and very unacceptable.
  |     |   Comment #3
According to the credit union's online membership application, the APY on the 36 month CD is 1.90%.
  |     |   Comment #4
thanks. I forgot about seeing that
Top 12-Month CD at FSU Credit Union in Florida - Local Only

FSU Credit Union is offering a 2.00% APY 12-month CD. Minimum deposit is $1,000. This rate is listed in the credit union's share certificates page as of 8/06/2010. The credit union also has two competitive CD specials: a 2.20% APY 30-month CD and a 1.25% APY 5-month CD. These specials are listed on the credit union's front page as of 8/06/2010.

A higher rate of 0.25% is available on these CDs (except for the 5-month CD) for members who have a checking account with Champion's Choice Platinum Level, Alumni Advantage or...

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6.00% 24-Month CD at a Florida CU (FSU)
Florida State University Credit Union is offering a 6.00% APY 24-month share certificate. The minimum deposit is $1K. Other terms also have very competitive rates. These include a 5.80% APY 18-month CD and a 5.85% APY 36-month CD.

These CDs have several nice features. First, the early withdrawal penalty is less than the average penalty. It's only 90 days of interest. Usually it's 180 days for terms of over 1 year. Second, the grace period is 20 days in which you can close a CD after maturity without penalty. A 10...

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