Score Up to $600 with Florida Credit Union's Latest Checking and CD Deals

If you're in Florida and looking to pad your wallet with a little extra cash, Florida Credit Union has a couple of promotions worth checking out. Right now, you can snag up to $600 by opening a new checking account and a CD. The deals run through October 31, 2025, so you've got some time—but not forever. Let me break down what you need to do to claim your bonus.

How the $600 Bonus Works

Florida Credit Union is offering a two-part bonus that adds up to a cool $600. The first $300 comes from opening a new full-service checking account. You'll need to make a direct deposit of at least $500 within 60 days of opening—think payroll, pension, or government benefits. Person-to-person transfers like Venmo or PayPal don't count. Keep the account open for 90 days, and the $300 lands in your account.

The second $300 is tied to a 13-month CD. After you qualify for the checking bonus, you can open a new CD with a minimum of $25,000 in money that wasn't already at Florida Credit Union. The CD earns a 4.35% APY (as of early September 2025), and you must open it within 30 days of the checking account. Both accounts need to stay open and in good standing for 90 days to get the full $600. If you close the CD early, you'll have to give back the $300 bonus.

One thing to watch: the $300 checking bonus is considered interest, so you'll get a 1099-INT form come tax time. Also, if you've had a Florida Credit Union checking account in the last 24 months, you're out of luck—this offer is for new customers only.

Who Can Join?

Florida Credit Union serves 48 counties across the state, including major areas like Alachua, Duval, Hillsborough, Orange, and Palm Beach. If you live or work in one of those counties, you're eligible to become a member. You'll need to be at least 18 years old and pass a credit check. There's also a $5 deposit required to open your share savings account—that's standard for credit unions.

A Few Things to Keep in Mind

Before you jump in, here are some details worth noting. The early account termination fee is $20 if you close your checking account within six months, so plan to stick around for a while. The CD has its own early withdrawal penalties, which can eat into your earnings. And remember, the $25,000 for the CD must be new money—you can't just transfer funds you already have at the credit union.

Also, the offer can be canceled at any time, so it's smart to act sooner rather than later. If you're a teacher, first responder, or medical professional, check out the alternative link for the $300 checking bonus—there might be a special version for you.

Bottom Line

• Open a checking account with $500 direct deposit to earn $300.
• Add a $25,000 CD within 30 days for another $300.
• Use promo code 25SUMMERBONUS when applying.
• Must be a Florida resident in one of 48 eligible counties.
• Offer ends October 31, 2025.

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