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 46–60 results in Florida
- Sunstate BankPromotional Certificate of DepositCD · 7 months · 0.00%–4.25% by balance
Bank · 3 branches
4.25%APY$246 over 7 months on $10,000intro rateRequirements
Product: Promotion Only. Must be opened with new funds (deposits from funds not currently held at Sunstate Bank). Maximum $250,000 in a single transaction. Compounded monthly. Early withdrawal penalties may be imposed. Upon maturity, 7-month CD rolls over to 6-month CD, and 13-month CD rolls over to 1-year CD at the base interest rate in effect.
Offer: Below $1,000.00 balance tier.
Promotional rate · 0.00% interest rate · Compounded monthly · Effective Jun 25, 2025
Rate by balance
Rate by balance for Promotional Certificate of Deposit Balance APY Up to $1,000 0.00% $1,000 – $250,000Your amountEqual to or greater than $1,000.00; up to a maximum of $250,000 in a single transaction. New money required. Automatically rolls over to a 6-month CD at maturity at standard base rate. 4.25% 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 This is a limited time offer and may be withdrawn at any time without notice.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 - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
Rate checked
More details - Baptist Health South Florida FCUPromotional Share CertificatesCD · 12 months · $500 min
Credit union · 6 branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Limited time offer valid starting August 2026. $500.00 minimum opening deposit. Advertised APYs include a 0.25% rate increase for new money, requiring opening with at least $10,000 from another financial institution. At maturity, certificate will rollover to the same term at current standard rate unless otherwise directed. Early withdrawal penalty applies and may reduce earnings. Dividends compounded and credited monthly and at maturity. Baptist Health South Florida Federal Credit Union membership required.
Offer: Advertised APY includes a 0.25% rate increase for \"new money.\" To receive this APY, you must open the certificate with at least $10,000 from another financial institution.
Promotional rate
Rate checked
More details - Space Coast Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 69 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Space Coast Credit Union membership is open to relatives of current members and all who work or live in eligible Florida counties. Minimum deposit required is $500. Monthly Service Fee is None.
4.18% interest rate · Effective Sep 21, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 196 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$534 over 15 months on $10,000intro rate
Requirements
Product: Fixed dividend rate for the entire certificate term. Federally insured by NCUA. Early withdrawals are subject to a penalty. Membership eligibility required ($5 deposit in Member Share Account).
Offer: Promotional / Special Share Certificate. Compounded and credited monthly. APY assumes interest remains on deposit until maturity.
Promotional rate · 4.17% interest rate
Rate checked
More details - Mayo Employees Federal Credit Union25 Month CertificateCD · 25 months · $1,000 min
Credit union · 1 branch
4.25%APY$906 over 25 months on $10,000intro rateRequirements
Product: Join us in celebrating 25 years at our Cascade Lake Office! Offer good though 10/31/26. $1,000 minimum deposit. A penalty may be imposed for early withdrawal.
Offer: Offer good though 10/31/26. Cascade Lake Office 25 years celebration offer. A penalty may be imposed for early withdrawal.
Promotional rate · Effective Oct 1, 2026
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$2,313 over 60 months on $10,000
Requirements
Product: Rates effective as of 10/13/2026. Early withdrawal penalties apply as shown per term. Minimum opening balance applies.
Offer: Penalty for early withdrawal: 9 Months Dividends.
4.16% interest rate · Effective Oct 13, 2026
Rate checked
More details - SUN Credit UnionStandard Certificates of DepositCD · 60 months · $2,000 min
Credit union · 3 branches
4.25%APY$2,313 over 60 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Minimum deposit as low as $1,000.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Minimum deposit of at least $1,000. $2,000,000 maximum deposit per CD product ($100,000 maximum when opening online). A penalty will be imposed for early withdrawal. Partial withdrawals allowed for 6, 11, 15, 18, 24, 36, 48 and 60 Month CD ($1,000 minimum withdrawal with minimum remaining balance greater than $1,000). Partial withdrawals are not allowed for 12 Month CD. Automatically renewable certificates allow 10 days after maturity to redeem.
4.16% interest rate · Balance cap $2,000,000 · Effective Oct 15, 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 - 4.24%APY$424 over 1 year on $10,000
Requirements
Product: Available for personal or business purposes.
Offer: Rate for $250K or less. Minimum to obtain APY is $5,000. Early withdrawal penalties may apply.
4.15% interest rate · Balance cap $250,000 · Effective Aug 6, 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 Florida
1,723 CDs at 189 banks and credit unions · checked Oct 15–22
- Typical
- 3.29%
- Top 10% from
- 4.10%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.40%
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Florida
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 9 branches
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 4 branches