Compare Bank & Credit Union Rates
Best CD rates in Florida
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 286–300 results in Florida
- 1.50%APY$150 over 1 year on $10,000intro rate
Requirements
Product: The annual percentage yield assumes that interest will remain on deposit until maturity. A withdrawal will reduce earnings. Penalties may be imposed for withdrawals prior to maturity. Rates on Certificates of Deposit are subject to change at maturity.
Offer: Term is 12 Month.
Promotional rate · 1.50% interest rate · Effective Oct 4, 2026
Rate checked
More details - 1.50%APY$302 over 24 months on $10,000
Rate checked
More details - 1.45%APY$292 over 24 months on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.45% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (2 year) Balance APY $1,000 – $100,000Your amount 1.45% $100,000 and up$100k+ balance tier. 1.55% Rate checked
More details - 1.25%APY$125 over 1 year on $10,000
Requirements
Product: Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
Offer: Under $100k balance tier.
1.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD (1 year) Balance APY $1,000 – $100,000Your amount 1.25% $100,000 and up$100k+ balance tier. 1.35% Rate checked
More details - 1.22%APY$245 over 24 months on $10,000intro rate
Requirements
Product: Penalty will be imposed for early withdrawal. Overall APY 1.22%. Rates current as of 9/17/2026.
Offer: Next 6 months (months 13-18). Overall APY for full 24-month term is 1.22%. Penalty for early withdrawal.
Promotional rate · 1.25% interest rate · Effective Sep 17, 2026
Rate checked
More details - 1.20%APY$615 over 60 months on $10,000
Requirements
Product: CDs will automatically renew at maturity unless otherwise instructed. An interest penalty may be imposed for early withdrawals. Fees may reduce earnings. Interest is compounded and credited quarterly. Available with savings periods ranging from one month to five years. Interest compounding available for terms greater than three months.
Offer: Minimum opening deposit of $500.00 required to open account. Minimum balance of $500.00 is required to obtain APY.
Effective Sep 30, 2026
Rate checked
More details - First Federal BankCertificate of DepositCD · 18 months · $1,000 min · 1.05%–1.07% by balance
Bank · 25 branches
1.05%APY$158 over 18 months on $10,000Requirements
Product: Terms range from 30 days to 5 years. Automatic renewal at the end of the term. Penalty applies if withdrawn before maturity. Compounded interest can be credited to CD or another First Federal account.
Offer: For Certificate of Deposit greater than 91 days, interest will compound and credit quarterly.
Effective Oct 25, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 1.05% $10,000 – $25,000Your amount 1.05% $25,000 – $50,000 1.05% $50,000 – $100,000 1.06% $100,000 and up 1.07% Rate checked
More details - 1.01%APY$101 over 1 year on $10,000
Requirements
Product: Early withdrawal from certificates will be subject to a 90 day dividend penalty. Members should call the credit union to verify rates.
Offer: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
1.00% interest rate · Effective Apr 22, 2025
Rate checked
More details - RadiFi Credit UnionPersonal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)CD · 36–60 months · $0 min · 0.75%–1.00% by balance
Credit union · 8 branches
1.00%APYRequirements
Product: APY is effective as of 10/1/2026. Variable rate. Longer-term variable rate personal goal savings certificates available for 36 month or 60 month terms. Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Variable rate.
0.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms) Balance APY Up to $2,500 0.75% $2,501 – $5,000 0.85% $5,001 – $7,500 0.90% Over $7,500Your amount 1.00% Rate checked
More details - RadiFi Credit UnionPersonal Goal Short Term Certificates (12 or 18 month term)CD · 12–18 months · $0 min · 0.50%–0.75% by balance
Credit union · 8 branches
0.75%APYRequirements
Product: Short term personal goal savings certificates available for 12 or 18 month terms. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
0.50% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Personal Goal Short Term Certificates (12 or 18 month term) Balance APY Up to $500 0.50% $501 – $1,000 0.60% $1,000 – $1,500 0.75% Over $1,500Your amount 0.75% Rate checked
More details - Gold Coast Federal Credit UnionShare Certificate AccountsCD · 60 months · $1,000 min
Credit union · 4 branches
0.70%APY$355 over 60 months on $10,000Requirements
Offer: Dividend Frequency: Monthly; Early Withdrawal Penalty: Yes
0.70% interest rate · Effective Jan 1, 2026
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 - 0.55%APY$222 over 48 months on $10,000intro rate
Requirements
Product: Certificates of Deposit earn a fixed interest rate compounded daily and paid monthly. Early withdrawals are subject to penalty. Personal minimum opening balance is $2,000.
Promotional rate · 0.55% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - 0.55%APY$278 over 60 months on $10,000
Requirements
Product: Interest rate is variable and subject to change at the discretion of the Bank. Fees may reduce earnings on the account. An early withdrawal penalty may apply.
Offer: Interest Credited: Quarterly
Effective Oct 4, 2026
Rate checked
More details - 0.50%APY$253 over 60 months on $10,000
Requirements
Product: Minimum opening deposit of $1,000. Interest is compounded monthly. Subject to early withdrawal penalty.
Offer: Term: 60 months. Monthly compounding.
0.50% interest rate · Compounded monthly
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 Florida
1,742 CDs at 190 banks and credit unions · checked Oct 16–23
- Typical
- 3.30%
- Top 10% from
- 4.10%
- Banks, typical
- 2.28%
- Credit unions, typical
- 3.40%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Florida
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 9 branches
- Climate First BankBank · 4 branches
- Oxford Federal Credit UnionCredit union · 1 branch