Compare Bank & Credit Union Rates
Best CD rates in Winter Park, FL
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Winter Park, 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 - 4.40%APY$899 over 24 months on $10,000
Requirements
Product: Dividends paid and compounded quarterly. Rates determined by the principal balance when opened. Automatic renewal at maturity. Early withdrawal penalties may apply.
4.33% interest rate · Compounded quarterly · Effective Oct 15, 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 Automatically renews to the same term CD unless funds are withdrawn within the 10-day grace period after maturity.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 Account automatically renews for the same term unless funds are withdrawn within the 10-day grace period after maturity.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 - 4.25%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 · 1 branch
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 - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: Fixed rate share account. Early withdrawal penalties: 90 days of interest on terms of 12 months or less; 180 days of interest on terms greater than 12 months.
4.10% interest rate · Effective Oct 1, 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 - 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 - 4.00%APY$606 over 18 months on $10,000
Requirements
Product: Terms range from 90 days to 5 years. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: 18 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
3.92% interest rate · Effective Oct 5, 2026
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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 Winter Park, FL
231 CDs at 16 banks and credit unions · checked Oct 5–22
- Typical
- 2.00%
- Top 10% from
- 4.08%
- Banks, typical
- 0.76%
- Credit unions, typical
- 3.70%
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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