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 61–75 results in Florida
- 4.21%APY$457 over 13 months on $10,000intro rate
Requirements
Product: Limited-time offer. Compounded monthly. Upon maturity, funds will transfer to a 12-month certificate or a chosen share account. Early withdrawal penalties may apply. Rates as of 10/15/2026.
Offer: 13 Month. Compounded monthly. Limited-time offer.
Promotional rate · 4.13% interest rate · Compounded monthly · Effective Oct 15, 2026
Rate checked
More details - 4.20%APY$600 over 17 months on $10,000
Requirements
Product: Open to those who live, work, go to school, or worship in 17 counties from Mobile County, Alabama to Leon County, Florida. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
4.12% interest rate · Effective Sep 30, 2026
Rate checked
More details - Radiant Credit UnionAdjustable Rate CertificatesCD · 24 months · $1,000 min
Credit union · 14 branches
4.20%APY$858 over 24 months on $10,000Requirements
Product: Adjustable-Rate Certificate Annual Percentage Yield (APY) changes bi-annually on January 1st and July 1st. Compounded daily. Funds insured up to $250,000 by NCUA.
Offer: APY is based on $10,000. APY changes bi-annually on January 1st and July 1st and is adjusted to the 6-month Treasury Bill Rate plus 0.10% APR. Compounded daily.
4.11% interest rate · Compounded daily
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 - Justice Federal Credit UnionSpecial 10-Month Share CertificateCD · 10 months · $500 min
Credit union · 2 branches
4.15%APY$345 over 10 months on $10,000with conditionsRequirements
Product: Certificate is subject to penalty for early withdrawal (terms of 12 months or less will lose 90 days of dividends; terms of 13 months or more will lose 180 days of dividends). Certificate will renew at prevailing rates upon maturity. Rates with relationship boost include a 0.10% (10 basis points) Justice National or Beyond the Badge Checking Account relationship rate increase on the new certificate. Accounts must be under the same Member Number. Justice Federal reserves the right to end promotional offer without prior notice.
Offer: With a Justice National or Beyond the Badge Account (includes a .10% relationship rate increase).
Qualified rate · 4.09% interest rate · Effective Oct 1, 2026
Rate checked
More details - Velocity Community Credit Union11-Month Certificate PromotionCD · 11 months · $5,000 min
Credit union · 3 branches
4.15%APY$380 over 11 months on $10,000intro rateRequirements
Product: Open with new money and a minimum deposit of $5,000. Limited time offer.
Offer: New money and minimum deposit of $5,000 required.
Promotional rate
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 - 4.15%APY$884 over 25 months on $10,000
Requirements
Product: Minimum opening deposit of $1,000. Interest compounded daily and credited monthly, quarterly, semi-annually, annually, or at maturity. Early withdrawal penalty applies. Automatic renewal at maturity with 10-calendar-day grace period. Advertised rates do not apply to Popular Private Client or International Private Banking customers.
4.07% interest rate · Compounded daily · Effective Sep 29, 2026
Rate by balance
Rate by balance for Popular CD Balance APY $1,000 – $25,000Your amount 4.15% $25,000 – $100,000 4.25% $100,000 – $250,000 4.35% $250,000 – $1,000,000 4.35% $1,000,000 and up 4.35% Rate checked
More details - 4.15%APY$1,070 over 30 months on $10,000with conditions
Requirements
Product: All CDs require a $500 minimum deposit. Subject to early withdrawal penalty.
Offer: Rewards APY requires two qualifying relationships: direct deposit of at least $1,000/month, at least $25,000 on deposit, or a qualifying loan in good standing.
Qualified rate · 4.07% interest rate
Rate checked
More details - 4.15%APY$1,766 over 48 months on $10,000
Requirements
Product: Minimum to open a regular certificate is $1,000; minimum to open a jumbo certificate is $50,000. A penalty will or may be imposed for early withdrawal.
4.07% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 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$237 over 7 months on $10,000
Requirements
Product: Must be a member of Everence Federal Credit Union. Compounding quarterly. Penalty for early withdrawal: $25, plus 1/2 of total dividends equal to original term of certificate, whether earned or not. Auto-renews at maturity for the same term at the then-current rate with a 10-day grace period.
Offer: Limited-time special offer. Must be funded with new money not currently on deposit with Everence (stated as of 6/1/2026 in footnote 1 and 9/1/2026 in footnote 2). Maximum deposit per certificate of $250,000. Maximum of one certificate per Tax ID. Auto-renews at the current rate and term for a 6-month certificate.
Balance cap $250,000 · Effective Oct 1, 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%
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
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 4 branches