Compare Bank & Credit Union Rates
Best CD rates in Jacksonville, FL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 46–60 results in Jacksonville, FL
- 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 24-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.20%APY$991 over 36 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 36-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.05%APY$1,277 over 48 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 48-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - RadiFi Credit Union3-Month Term CertificateCD · 3 months · $500 min · 2.90%–3.25% by balance
Credit union · 6 branches
2.90%APY$72 over 3 months on $10,000Requirements
Product: APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
2.86% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 3-Month Term Certificate Balance APY $500 – $2,500 2.90% $2,500 – $25,000Your amount 2.90% $25,000 – $50,000 2.90% $50,000 – $100,000 3.00% $100,000 – $250,000 3.00% $250,000 – $500,000 3.00% $500,000 – $750,000 3.00% $750,000 – $1,000,000 3.15% $1,000,000 and up 3.25% Rate checked
More details - RadiFi Credit Union18-Month Term CertificateCD · 18 months · $500 min · 2.70%–3.05% by balance
Credit union · 6 branches
2.75%APY$415 over 18 months on $10,000Requirements
Product: APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
2.67% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 18-Month Term Certificate Balance APY $500 – $2,500 2.70% $2,500 – $25,000Your amount 2.75% $25,000 – $50,000 2.80% $50,000 – $100,000 2.90% $100,000 – $250,000 3.05% $250,000 – $500,000 3.05% $500,000 – $750,000 3.05% $750,000 – $1,000,000 3.05% $1,000,000 and up 3.05% Rate checked
More details - RadiFi Credit Union12-Month Term CertificateCD · 12 months · $500 min · 2.65%–4.05% by balance
Credit union · 6 branches
2.70%APY$270 over 1 year on $10,000Requirements
Product: APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
2.62% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 12-Month Term Certificate Balance APY $500 – $2,500 2.65% $2,500 – $25,000Your amount 2.70% $25,000 – $50,000 2.75% $50,000 – $100,000 2.85% $100,000 – $250,000 3.85% $250,000 – $500,000 3.90% $500,000 – $750,000 3.95% $750,000 – $1,000,000 4.00% $1,000,000 and up 4.05% Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 21 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - First Federal BankCertificate of DepositCD · 18 months · $1,000 min · 1.05%–1.07% by balance
Bank · 1 branch
1.05%APY$158 over 18 months on $10,000Requirements
Product: Terms range from 30 days to 5 years. Automatic renewal at the end of the term. Penalty applies if withdrawn before maturity. Compounded interest can be credited to CD or another First Federal account.
Offer: For Certificate of Deposit greater than 91 days, interest will compound and credit quarterly.
Effective Oct 25, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 1.05% $10,000 – $25,000Your amount 1.05% $25,000 – $50,000 1.05% $50,000 – $100,000 1.06% $100,000 and up 1.07% Rate checked
More details - RadiFi Credit UnionPersonal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)CD · 36–60 months · $0 min · 0.75%–1.00% by balance
Credit union · 6 branches
1.00%APYRequirements
Product: APY is effective as of 10/1/2026. Variable rate. Longer-term variable rate personal goal savings certificates available for 36 month or 60 month terms. Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Variable rate.
0.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms) Balance APY Up to $2,500 0.75% $2,501 – $5,000 0.85% $5,001 – $7,500 0.90% Over $7,500Your amount 1.00% Rate checked
More details - RadiFi Credit UnionPersonal Goal Short Term Certificates (12 or 18 month term)CD · 12–18 months · $0 min · 0.50%–0.75% by balance
Credit union · 6 branches
0.75%APYRequirements
Product: Short term personal goal savings certificates available for 12 or 18 month terms. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
0.50% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Personal Goal Short Term Certificates (12 or 18 month term) Balance APY Up to $500 0.50% $501 – $1,000 0.60% $1,000 – $1,500 0.75% Over $1,500Your amount 0.75% Rate checked
More details - 0.55%APY$222 over 48 months on $10,000intro rate
Requirements
Product: Certificates of Deposit earn a fixed interest rate compounded daily and paid monthly. Early withdrawals are subject to penalty. Personal minimum opening balance is $2,000.
Promotional rate · 0.55% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. Interest compounded annually on CDs over one year. Automatic renewal.
Offer: Penalty for early withdrawal.
Compounded annually · Effective Apr 1, 2024
Rate checked
More details
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 Jacksonville, FL
343 CDs at 28 banks and credit unions · checked Oct 6–22
- Typical
- 3.05%
- Top 10% from
- 4.00%
- Banks, typical
- 0.92%
- Credit unions, typical
- 3.50%
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Find your bank or credit union to see all its rates and how they compare near you.
Jacksonville, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Jax Fire Credit UnionCredit union · 1 branch
- JM Associates FCUCredit union · 2 branches
- SUMA Federal Credit UnionCredit union · 1 branch