What is the minimum deposit?

$500 minimum. NCUA insured up to $250,000.

Is there an early withdrawal penalty?

Yes — 180 days of dividends for terms of 12+ months.

What happens at maturity?

You can withdraw, renew, or roll into a different term. 10-day grace period.

Do I need to be a member?

Yes. Anyone in Broward County is eligible — a $5 savings deposit is all it takes.

13 Month CD Special — 4.00% APY | BrightStar Credit Union

Limited Time

4.00% APY

13 Month Certificate

Min $500 · NCUA insured

Our Highest CD Rate

Guaranteed fixed rate for 13 months. Open online in minutes, by phone, or at any branch.

✓ Rate locked in for full term
✓ NCUA insured up to $250,000
✓ Daily compounding, credited monthly
✓ Flexible options at maturity

Don't Miss This Rate

Lock in our highest CD rate today. Open your 13 Month CD online in minutes.

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*APY = Annual Percentage Yield. Rates are correct as of 03/16/26 and subject to change without notice. Actual rates may vary by membership level and certificate length. A penalty may be imposed for early withdrawal. $500 minimum deposit. Membership eligibility required. Federally insured by NCUA.

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* This promotion is valid from March 16, 2026 through June 16, 2026. Terms and conditions may apply.