Best CD rates in Florida

Requirements

Product: Interest compounded daily and credited monthly. 20-day grace period following maturity for penalty-free withdrawals/additions. Withdrawals within first 6 days of initial deposit incur 7-day simple interest penalty. 24- and 36-month certificates are available as step-up CDs (one-time request for higher rate if rates increase, renewing original term).

Offer: 20-day grace period upon maturity.

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Offer: Interest frequency: Monthly.

Requirements

Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.

Requirements

Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.

Requirements

Product: Minimum deposit $1,000. Allows member to change the dividend rate once during the term to the current Flex Certificate Rate, add to the certificate once within the first year (minimum $1,000 additional deposit), and make a one-time withdrawal of up to 50% of the current balance without penalty.

Requirements

Product: Interest compounded and credited annually. Penalty for early withdrawal. Rates current as of 10/6/2026.

Offer: Relationship special rate for customers with an INB loan or INB checking account with monthly direct deposit. Daily balance method. Early withdrawal penalty of 180 days of interest. Automatically renews at a 12-month term with standard rates. 10 calendar days grace period.

Requirements

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.

Requirements

Product: Requires Eglin FCU Membership. Penalty for early withdrawal. Minimum deposit of $2,500 required to open.

Offer: Early withdrawal penalty applies. Requires Eglin FCU Membership.

Requirements

Product: Requires $50 opening deposit and a commitment to contribute at least $40 per month for 12 months by payroll deduction or automatic transfer. Within 12 months, funds reach $500 and can roll over to a traditional certificate account. Early withdrawal penalty applies. Promotion available for new members where initial $50 opening deposit is covered with promo code within 30 days of establishing membership.

Offer: Requires commitment to deposit at least $40 per month via payroll deduction or automatic transfer.

Requirements

Product: Dividends compounded daily and credited monthly or at maturity. Early withdrawal penalty is 3 months dividends for maturities under 1 year, and 6 months dividends for maturities of 1 year or more. Includes a one-time step-up option on eligible non-special terms (after 3 months for 12-month certificate, after 6 months for terms over 12 months). Certificates automatically renew at maturity.

Requirements

Product: Early withdrawal penalty applies. Dividends paid at the end of each month. Fees may reduce earnings. Rates may change without notice.

Requirements

Product: Apply at a CIBC US Banking Center. Maximum deposit $1,000,000. Penalty may be imposed for early withdrawal. At maturity, the 13-month CD automatically renews as a 12-month CD.

Offer: In-branch rate special; limited time offer

Requirements

Product: No penalty when balance is withdrawn anytime during the term. Not eligible for IRA certificates. Automatic renewal options available. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher with Relationship Rewards at Platinum level (combined monthly household average balances $50,000+).

Offer: Platinum APY with Relationship Rewards (combined monthly household average balances $50,000+)