Florida CD rates › Credit unions › Emerald Coast
Credit union · HQ Port St Joe, FL
✓ Verified 2026-10-01 from their own posted rate sheet
Emerald Coast currently posts 7 CD rates from 1.50% to 3.25% APY. Their sheet states an effective date of 01/15/2026.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 3 mo | 1.50% | $1k | 91 days; $1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY |
| 6 mo | 3.25% | $1k | $1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY |
| 1 yr | 2.50% | $1k | $1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY |
| 18 mo | 2.38% | $1k | $1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY |
| 2 yr | 2.27% | $1k | $1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY |
| 30 mo | 2.27% | $1k | $1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY |
| 3 yr | 2.02% | $1k | $1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY |
Anyone who lives, works, worships, attends school, or has a business in Gulf or Franklin County or the City of Mexico Beach can join. Counties: Gulf, Franklin.
3 branches in 2 counties: Franklin (Eastpoint) · Gulf (Port St Joe, Wewahitchka)
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