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Move forward with confidence—TFCU is here to support your financial goals.
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Linked websites are not under the control of Tropical Financial Credit Union and we are not responsible for the contents of any linked site or any link contained within a linked site. The privacy or security policies at a linked site may be different from those practiced at tropical financial credit union and you should review the privacy policy of any linked site.

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Certificates of Deposit.
Bring New Money.
Earn Even More.

Grow your savings with a Certificate of Deposit from Tropical Financial. Open a new 9 or 12-month CD with at least $10,000 in new money and earn an additional rate bump +0.10% APY* on a 9-month CD or +0.15% APY* on a 12-month CD.**
 

Already a Member? Open a Certificate of Deposit

Not a TFCU Member? Open a Certificate of Deposit

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Regular Certificate of Deposit

Unlock the power of steady growth with a Regular Certificate of Deposit (CD). A reliable choice for savvy savers, a Regular CD offers a secure way to invest your funds and watch them grow over time. With fixed interest rates and flexible terms, you can tailor your investment to suit your financial goals. Start building your future today with the stability and security of a Regular CD.

Rates effective as of July 7, 2026

3.85 % APY*

9 Months

$500 minimum to open

Rate: 3.7956%

3.25% APY*

3 Months

$500 minimum to open

Rate: 3.2111%

3.35% APY*

6 Months

$500 minimum to open

Rate: 3.3087%

3.85% APY*

12 Months

$500 minimum to open

Rate: 3.7956%

3.75% APY*

18 Months

$500 minimum to open

Rate: 3.6984%

3.65% APY*

24 Months

$500 minimum to open

Rate: 3.6011%

3.65% APY*

36 Months

$500 minimum to open

Rate: 3.6011%

3.65% APY*

48 Months

$500 minimum to open

Rate: 3.6011%

3.65% APY*

60 Months

$500 minimum to open

Rate: 3.6011%

Jumbo Certificate of Deposit

Maximize your potential with a Jumbo Certificate of Deposit (CD). Designed for those with larger sums to invest, a Jumbo CD offers unparalleled returns and security. Enjoy competitive interest rates and customizable terms, all while safeguarding your funds with the stability of a traditional CD. Elevate your investment strategy and reach your financial milestones faster with the strength and assurance of a Jumbo CD.

IRA Certificate

Secure your retirement dreams with an IRA Certificate. Tailored specifically for your Individual Retirement Account (IRA), this investment vehicle offers a smart and stable way to grow your retirement savings. With fixed interest rates and tax advantages, an IRA Certificate ensures your money works harder for your future. Take control of your retirement journey today and watch your savings thrive with the peace of mind provided by an IRA Certificate.

Rates effective as of July 7, 2026

3.25% APY*

3 Months

$500 minimum to open

Rate: 3.2111%

3.35% APY*

6 Months

$500 minimum to open

Rate: 3.3087%

3.85% APY*

12 Months

$500 minimum to open

Rate: 3.7956%

3.75% APY*

18 Months

$500 minimum to open

Rate: 3.6984%

3.65% APY*

24 Months

$500 minimum to open

Rate: 3.6011%

3.65% APY*

36 Months

$500 minimum to open

Rate: 3.6011%

3.65% APY*

48 Months

$500 minimum to open

Rate: 3.6011%

3.65% APY*

60 Months

$500 minimum to open

Rate: 3.6011%

Disclosures

* Annual Percentage Yield (APY) The minimum average daily balance to earn APY (Annual Percentage Yield) is $500. The APY is based on the assumption that interest will remain in the CD Account until maturity.

Penalties will apply for early withdrawal. Rates subject to change without notice.

All IRAs are for individuals only and not available to businesses or to be opened under a business account.

Fees may reduce the earnings on the CD Account.

TFCU will deposit the $1 minimum requirement to open your membership savings account. Other restrictions may apply.

**Members who open a 9‑month CD with at least $10,000 in new money are eligible for an additional 0.10% APY bump, and members who open a 12‑month CD with at least $10,000 in new money are eligible for an additional 0.15% APY bump. "New money" is defined as funds not currently held by Tropical Financial Credit Union. "New money" refers to funds transferred into Tropical Financial Credit Union from an external source.