Compare Bank & Credit Union Rates
Best CD rates in Lake Mary, FL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–14 results in Lake Mary, FL
- 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - VyStar Credit UnionPersonal CDCD · 30 months · $500 min · 4.05%–4.15% by balance
Credit union · 1 branch
4.05%APY$1,043 over 30 months on $10,000Requirements
Product: Dividends are compounded monthly and credited monthly. Daily balance method is used. Penalty applies for early principal withdrawals.
3.97% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate by balance
Rate by balance for Personal CD Balance APY Up to $50,000Your amount 4.05% $50,000 and up 4.15% Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 3.95%APY$395 over 1 year on $10,000intro rate
Requirements
Product: Minimum opening deposit is $1,000; maximum opening deposit is $250,000 per CD. Advertised promotional rates are for accounts opened online. Early withdrawal penalties apply. At maturity, CDs automatically renew into the standard CD term closest in length at the then-current standard rate unless instructions are provided during the 7-day grace period. No account fees.
Offer: Promotional rate for online accounts. Fixed for initial term. Automatically renews into standard rate closest in length at maturity.
Promotional rate · Effective Aug 10, 2026
Rate checked
More details - Addition Financial Credit UnionTerm Share CertificateCD · 60 months · $1,000 min
Credit union · 1 branch
3.82%APY$2,062 over 60 months on $10,000Requirements
Product: Dividends credited and compounded monthly. No monthly maintenance fee. Penalties may be imposed for early withdrawal. Certificates automatically renew at maturity for the same term as the original term.
3.75% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000intro rate
Requirements
Product: Fixed annual interest rate for the term of the CD. Early withdrawal may be subject to penalty. Offer not available to funds currently on deposit at Seacoast Bank. At maturity, CD will automatically renew for the same renewal term.
Offer: Special APY applicable to initial term only. Early withdrawal penalty equals the loss of simple interest for six months for maturity greater than one year.
Promotional rate · Effective Oct 3, 2026
Rate checked
More details - Addition Financial Credit UnionBump-up certificateCD · 39 months · $1,000 min
Credit union · 1 branch
3.71%APY$1,257 over 39 months on $10,000Requirements
Product: Includes an option that allows you to increase or 'bump up' the dividend rate and APY once during the term to the current rate in effect at that time for a 36-month certificate. Dividends credited and compounded monthly. No monthly maintenance fee. At maturity, automatically renews into a 36-month certificate at the prevailing rate with no bump-up option. Penalties may be imposed for early withdrawal.
Offer: Option to bump up dividend rate and APY once during the 39-month term to the current rate for a 36-month certificate. Renews into a 36-month certificate.
3.65% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Early withdrawal penalty applies. Dividends paid at the end of each month. Fees may reduce earnings. Rates may change without notice.
Effective Mar 2, 2026
Rate checked
More details - 3.70%APY$1,992 over 60 months on $10,000with conditions
Requirements
Product: Early withdrawal penalties may apply. FAIRWINDS Visa Signature Credit Card members can receive a 0.25% rate bump on a CD upon request at account opening or renewal.
Offer: Visa Signature Card Holders receive a 0.25% rate bump; must request rate bonus at the time of CD opening or CD renewal.
Qualified rate · Effective Oct 15, 2026
Rate checked
More details - 3.40%APY$254 over 9 months on $10,000
3.35% interest rate
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More details - 3.40%APY$254 over 9 months on $10,000intro rate
Requirements
Product: Limited time offer.
Offer: For a limited time only.
Promotional rate
Rate checked
More details - VyStar Credit Union18-Month Step-Up CertificateCD · 18 months · $500 min · 3.40%–3.50% by balance
Credit union · 1 branch
3.40%APY$514 over 18 months on $10,000intro rateRequirements
Product: Offers a one-time option during the 18-month term to adjust the dividend rate to the current published 18-month Step-up certificate dividend rate. Additional deposits allowed with minimum deposit of $2,000 or more.
Offer: One-time option to adjust rate during 18-month term; add-on deposits minimum $2,000.
Promotional rate · 3.34% interest rate · Effective Aug 17, 2026
Rate by balance
Rate by balance for 18-Month Step-Up Certificate Balance APY Up to $50,000Your amount 3.40% $50,000 and up 3.50% 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 · 1 branch
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
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 Lake Mary, FL
88 CDs at 9 banks and credit unions · checked Oct 5–22
- Typical
- 3.30%
- Top 10% from
- 3.83%
- Banks, typical
- 1.88%
- Credit unions, typical
- 3.37%
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Orlando, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Climate First BankBank · 3 branches
- Suncoast Credit UnionCredit union · 4 branches
- Unity of Eatonville FCUCredit union · 1 branch