Compare Bank & Credit Union Rates
Best CD rates in Florida
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Florida
- 5.25%APY$2,915 over 60 months on $10,000
Requirements
Product: CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.
Offer: Purchased through Raymond James brokerage account.
5.12% interest rate · Effective Oct 9, 2026
Rate checked
More details - Dort Financial Credit UnionRelationship CertificateCD · 11 months · $5,000 min
Credit union · 4 branches
5.00%APY$457 over 11 months on $10,000with conditionsRequirements
Product: Certificate term is 11 months and will automatically renew to a 12-month certificate at the rate in effect at the time of renewal. $5,000 minimum balance is required with no maximum. 0.25% APY bonus when you meet the Boost Checking Account qualifications within 90 days of certificate opening. Boost Checking Qualifications include direct deposits totaling $900 or more, electronic statements, and 25 or more qualifying debit/credit card purchases. 0.25% APY bonus with existing or new Dort Financial CU Visa credit card within 90 days. Maximum APY of 5.00%. APY bonuses are retroactive. Consumer certificates only. Early withdrawal penalty applies.
Offer: Maximum APY of 5.00% including relationship bonuses: 0.25% APY bonus when meeting Boost Checking Account qualifications within 90 days of certificate opening; 0.25% APY bonus with existing Dort Financial CU Visa credit card or when opening a new Dort Financial CU Visa credit card within 90 days. APY bonuses are retroactive to first day of dividend posting period. Certificate term is 11 months and renews to 12-month certificate. $5,000 minimum balance. Early withdrawal penalty applies.
Qualified rate
Rate checked
More details - 5.00%APY$2,763 over 60 months on $10,000with conditions
Requirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 5 years (1825 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit.
Qualified rate · 4.89% interest rate · Effective Oct 15, 2026
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More details - RadiFi Credit Union9-Month Share Certificate SpecialCD · 9 months · $500 min
Credit union · 8 branches
4.91%APY$366 over 9 months on $10,000intro rateRequirements
Product: Term for this Promotional Certificate is 9 months, with a minimum opening deposit of $500.00 from a source not on deposit within the 30 days period preceding to account opening, or funds from an external source. Minimum balance to earn dividends $500.00. Penalty for early withdrawal. Fees may reduce earnings. Offer begins October 15, 2026.
Offer: New money only.
Promotional rate · 4.80% interest rate · Effective Oct 15, 2026
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More details - 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.67% interest rate · Effective Sep 23, 2026
Rate checked
More details - Publix Employees Federal Credit UnionRegular CertificatesCD · 9 months · $1,000 min
Credit union · 9 branches
4.65%APY$347 over 9 months on $10,000intro rateRequirements
Product: Membership qualification required. APY assumes dividends remain on deposit until maturity. Penalty will be imposed for early withdrawal. Dividends credited monthly.
Offer: 4.50% APY footnote note refers to 7/15/2026 accurate as of, 10-month renewing to 12-month. Schedule lists 9 Months* with 4.551% dividend rate, 4.65% APY. Share certificates page notes 9-month certificate dividends are paid at maturity.
Promotional rate · 4.55% interest rate · Effective Oct 15, 2026
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More details - Dort Financial Credit UnionCertificate of Deposit (7-Month Limited-Time Offer)CD · 7 months · $5,000 min
Credit union · 4 branches
4.60%APY$266 over 7 months on $10,000intro rateRequirements
Product: Certificate term is 7 months and will automatically renew to a 6-month certificate at the posted rate at the time of renewal. $5,000 minimum balance required with no maximum. For new money to Dort Financial Credit Union only. APY assumes dividends remain on deposit until maturity; early withdrawal penalty applies. Limited time offer.
Offer: Limited-time promotional certificate. Automatically renews to a 6-month certificate at posted rate upon maturity. Requires new money to Dort Financial Credit Union. Early withdrawal penalty applies.
Promotional rate
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More details - 4.60%APY$941 over 24 months on $10,000
Requirements
Product: Available only in Florida. Member FDIC. FirstBank Florida is a division of FirstBank Puerto Rico. Early withdrawal penalties may apply. Fees may reduce earnings.
Effective Oct 8, 2026
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More details - 4.60%APY$941 over 24 months on $10,000with conditions
Requirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.
Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.
Qualified rate
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More details - Together Credit UnionCertificate of Deposit (CD)CD · 11 months · $1,000 min
Credit union · 3 branches
4.50%APY$412 over 11 months on $10,000Requirements
Product: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Offer: Special 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts).
4.41% interest rate · Compounded monthly · Effective Sep 22, 2026
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More details - 4.50%APYwith conditions
Requirements
Product: Promotional limited-time CD. Interest earned will be transferred to an existing or new Evermore Bank checking, money market or savings account on a monthly basis. Early withdrawal penalty may apply. Upon renewal, CD will automatically renew for a 12-month term subject to prevailing rates.
Offer: Requires a qualifying Evermore Bank Checking, Money Market, or Savings Account to open. Minimum balance to earn the APY is $10,000.
Qualified rate · 4.50% interest rate · Effective Sep 1, 2026
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More details - 4.50%APY$566 over 15 months on $10,000intro rate
Requirements
Product: New money only. Limited time offer.
Offer: New money only. Limited time offer.
Promotional rate
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More details - 4.50%APY$566 over 15 months on $10,000intro rate
Requirements
Product: Advertised rates apply only in the state of Florida for domestic accounts. CD must be opened with new funds deposited into Amerant Bank. For accounts opened at a Banking Center location: minimum balance to open and obtain APY is $10,000 up to a maximum of $500,000. For accounts opened online: minimum balance to open and obtain APY is $500 up to a maximum of $250,000. Individual customers must be U.S. citizens or resident aliens with a valid U.S. Taxpayer Identification Number. No monthly service fee. Early withdrawal penalties apply.
Offer: Promotional CD offer valid for Florida residents. Must open account by 2026-11-10 to get promotional rate. Minimum $10,000 deposit and balance from external source required. Maximum deposit $250,000 per account ($500,000 per customer). Account must be opened online or in-branch. Personal accounts only. 10-day rate guarantee.
Promotional rate · Balance cap $250,000 · Effective Oct 9, 2026
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More details - 4.50%APY$683 over 18 months on $10,000
Requirements
Product: Requires Credit Union membership ($5 deposit in Share Savings). Penalty for early withdrawal: 90 days of dividends on terms <= 12 months, 180 days on terms > 12 months. Dividends compounded daily, credited monthly.
Compounded daily · Effective Sep 1, 2026
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More details - 4.50%APY$722 over 19 months on $10,000intro rate
Requirements
Product: Minimum deposit to open varies per certificate with a maximum of $5,000,000. Early withdrawal penalties apply. Dividends compounded and credited quarterly. Membership eligibility required.
Offer: Special certificate; early withdrawal penalty is 195 days of interest. Specials can be discontinued at any time and convert to normal product at expiration. Dividends compounded quarterly and credited quarterly.
Promotional rate · 4.43% interest rate · Compounded quarterly · Effective Oct 15, 2026
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Florida
1,723 CDs at 189 banks and credit unions · checked Oct 15–22
- Typical
- 3.29%
- Top 10% from
- 4.10%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.40%
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Florida
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 9 branches
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 4 branches