Bank · FDIC insured
Sunstate Bank CD Rates
Sunstate Bank’s best CD rate is 4.25% APY on a 7-month CD. Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How Sunstate Bank’s CD rates compare
Compared with banks and credit unions near Miami, FL, where Sunstate Bank has the most branches. $10,000, best rate first.
This bank’s best
Sunstate Bank
4.25%APY
- Term
- 7 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $246
Promotional Certificate of Deposit
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
Sunstate Bank CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo0.20%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo0.35%
- 31–60 months31–60 mo0.50%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sunstate Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Promotional Certificate of Deposit
Up to 4.25%APY · 3 terms
Promotion Only. Must be opened with new funds (deposits from funds not currently held at Sunstate Bank). Maximum $250,000 in a single transaction. Compounded monthly. Early withdrawal penalties may be imposed. Upon maturity, 7-month CD rolls over to 6-month CD, and 13-month CD rolls over to 1-year CD at the base interest rate in effect.
| Term | APY · Up to $1,000 | APY · $1,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthBelow $1,000.00 balance tier | 0.00% | — | —0.00% to $1000 | — |
| 1 monthEqual to or greater than $1,000.00; up to a maximum of $250,000 in a single transaction. New money required | — | 0.10% | 0.10% | $1 |
| 7 monthsBelow $1,000.00 balance tier | 0.00% | — | —0.00% to $1000 | — |
| 7 monthsEqual to or greater than $1,000.00; up to a maximum of $250,000 in a single transaction. New money required. Automatically rolls over to a 6-month CD at maturity at standard base rate | — | 4.25% | 4.25% | $246 |
| 13 monthsBelow $1,000.00 balance tier | 0.00% | — | —0.00% to $1000 | — |
| 13 monthsEqual to or greater than $1,000.00; up to a maximum of $250,000 in a single transaction. New money required. Automatically rolls over to a 1-year (12-month) CD at maturity at standard base rate | — | 4.10% | 4.10% | $445 |
Sources (2)
All captured Sep 18, 2026
Certificates of Deposit (CDs)
Up to 0.50%APY · 11 terms
Minimum opening deposit of $1,000. Interest is compounded monthly. Subject to early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0 monthsTerm: 7 days. Monthly compounding | 0.05% | $0 |
| 1 monthTerm: 30 days. Monthly compounding | 0.10% | $1 |
| 3 monthsTerm: 90 days. Monthly compounding | 0.15% | $4 |
| 6 monthsTerm: 6 months. Monthly compounding | 0.20% | $10 |
| 12 monthsTerm: 12 months. Monthly compounding | 0.25% | $25 |
| 18 monthsTerm: 18 months. Monthly compounding | 0.25% | $38 |
| 24 monthsTerm: 24 months. Monthly compounding | 0.30% | $60 |
| 30 monthsTerm: 30 months. Monthly compounding | 0.35% | $88 |
| 36 monthsTerm: 36 months. Monthly compounding | 0.40% | $120 |
| 48 monthsTerm: 48 months. Monthly compounding | 0.45% | $181 |
| 60 monthsTerm: 60 months. Monthly compounding | 0.50% | $253 |
Sources (2)
All captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.