Compare Bank & Credit Union Rates
Best CD rates in Miami, FL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 46–55 results in Miami, FL
- 2.55%APY$255 over 1 year on $10,000
Requirements
Product: e-CD account opened online. Fixed interest for term of CD. Early withdrawal penalty applies and automatic renewal at maturity.
2.52% interest rate · Effective Dec 17, 2025
Rate by balance
Rate by balance for e-CD Balance APY Up to $100,000Your amount 2.55% $100,000 and up 3.05% 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 · 11 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 - 1.50%APY$100 over 8 months on $10,000
Requirements
Product: Lock in a fixed interest rate from account opening through maturity. Available online for personal deposit account opening to U.S. citizens age 18 and above who reside in the United States. Maintain a minimum balance of initial CD deposit amount each day to obtain APY.
Offer: Maintain initial CD deposit amount in account each day to obtain APY.
1.50% interest rate · Effective Oct 6, 2025
Rate checked
More details - 1.50%APY$302 over 24 months on $10,000
Rate checked
More details - 0.65%APY$196 over 36 months on $10,000
Requirements
Product: Fixed rate locked in for the full term. Flexible dividend options (compound or receive monthly). Early withdrawal penalties may apply. Fees may reduce earnings. $1,000 minimum deposit to open.
Offer: Interest compounded monthly. Rates and yields depend upon relationship tier.
0.65% interest rate · Compounded monthly
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 - 0.10%APY$25 over 30 months on $10,000intro rate
Requirements
Offer: Months 21-30
Promotional rate · 0.15% interest rate · Effective Oct 22, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
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 Miami, FL
346 CDs at 30 banks and credit unions · checked Oct 15–22
- Typical
- 2.40%
- Top 10% from
- 4.08%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.30%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Miami, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- American Airlines Federal Credit UnionCredit union · 6 branches
- JM Associates FCUCredit union · 1 branch
- First Choice Credit UnionCredit union · 2 branches