Compare Bank & Credit Union Rates
Best CD rates in Orlando, FL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Orlando, FL
- 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
Rate checked
More details - 4.39%APY$2,396 over 60 months on $10,000
Requirements
Product: No additional deposits allowed. Early withdrawal of principal before maturity is subject to a penalty equal to 90 days' interest. Automatically renews to the same term CD unless funds are withdrawn within the 10-day grace period after maturity. Withdrawals reduce earnings.
Offer: Minimum opening deposit of $500.00 required. No additional deposits allowed. Early withdrawal penalty of 90 days' interest applies.
4.30% interest rate · Effective Aug 28, 2026
Rate checked
More details - 4.33%APY$214 over 6 months on $10,000intro rate
Requirements
Product: No penalty for early withdrawals. No additional deposits allowed. Account automatically renews for the same term unless funds are withdrawn within the 10-day grace period after maturity. Withdrawals reduce earnings.
Offer: A minimum opening deposit of $500.00 is required and must be maintained daily to earn the disclosed APY. Interest rate will be in effect for 6 months and subject to change thereafter. No additional deposits allowed. No penalty for early withdrawals.
Promotional rate · 4.24% interest rate · Effective Sep 15, 2026
Rate checked
More details - 4.28%APY$875 over 24 months on $10,000
Requirements
Product: $1,000 minimum deposit required to open. Early withdrawal penalty applies. Rates subject to change without notice.
4.20% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.25%APY$140 over 4 months on $10,000intro rate
Requirements
Product: Limited time Certificate Special. Interest credited monthly. Early withdrawal penalties apply. Additional deposits not permitted during term.
Promotional rate · Effective Sep 29, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - 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 - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 5 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$1,097 over 30 months on $10,000
Requirements
Product: No additional deposits allowed. Early withdrawal of principal before maturity is subject to a penalty equal to 90 days' interest. Automatically renews to standard 6-month CD unless funds are withdrawn within the 10-day grace period after maturity. Withdrawals reduce earnings.
Offer: A minimum opening deposit of $500.00 is required and must be maintained daily to earn disclosed APY. No additional deposits allowed. Early withdrawal penalty of 90 days' interest applies.
4.16% interest rate · Effective Jul 6, 2026
Rate checked
More details - 4.25%APY$3,382 over 84 months on $10,000
Requirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000intro rate
Requirements
Product: No penalty for early withdrawals. No additional deposits allowed. Account automatically renews for the same term unless funds are withdrawn within the 10-day grace period after maturity. Withdrawals reduce earnings.
Offer: A minimum opening deposit of $500.00 is required and must be maintained daily to earn the disclosed APY. Interest rate will be in effect for 12 months and subject to change thereafter. No additional deposits allowed. No penalty for early withdrawals.
Promotional rate · 4.07% interest rate · Effective Jun 11, 2026
Rate checked
More details - 4.10%APY$203 over 6 months on $10,000intro rate
Requirements
Product: Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.
Offer: Limited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY.
Promotional rate · Effective Oct 22, 2026
Rate checked
More details - 4.10%APY$586 over 17 months on $10,000intro rate
Requirements
Product: Limited-time promotional special rate. Membership required. $500 minimum deposit for Standard Certificates of Deposit. Automatically renews at the current non-promotional rate upon maturity.
Offer: Limited time offer. Accurate as of 9/1/2026.
Promotional rate · 4.03% interest rate · Effective Sep 1, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - VyStar Credit UnionPersonal CDCD · 30 months · $500 min · 4.05%–4.15% by balance
Credit union · 2 branches
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
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 Orlando, FL
299 CDs at 26 banks and credit unions · checked Oct 6–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.65%
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Find your bank or credit union to see all its rates and how they compare near you.
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