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 76–90 results in Florida
- RadiFi Credit Union11-Month Flex Access Certificate SpecialCD · 11 months · $500 min
Credit union · 8 branches
4.10%APY$375 over 11 months on $10,000intro rateRequirements
Product: Promotional share certificate; must be opened with new money (funds not currently on deposit with RadiFi within the 30-day period preceding account opening or external source). Minimum opening deposit and minimum balance to earn dividends is $500.00. Dividends compounded and credited monthly. Two additional deposits of new money allowed within the first 60 days. One penalty-free partial withdrawal of up to $5,000 allowed before maturity after being open for at least 7 days. Renews to closest certificate term available at maturity. Offer begins September 1, 2026.
Offer: New money only. Minimum balance to earn APY is $500.00. Compounded and credited monthly.
Promotional rate · 4.03% interest rate
Rate checked
More details - Dade County Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 11 branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: Minimum of $500 required to open account. All terms are subject to early withdrawal penalty and or fees which may reduce earnings. Membership is required for individuals and their families who live, work, worship, attend school, or operate a business in Palm Beach, Broward, Miami-Dade, or Monroe County.
Offer: Share Certificate Promotional Rate. Effective 8/24/2026. Early withdrawal penalty and/or fees may reduce earnings.
4.02% interest rate · Effective Aug 24, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000intro rate
Requirements
Product: Special Program terms and restrictions apply.
Offer: Special Program terms and restrictions apply.
Promotional rate · Effective Jul 1, 2026
Rate checked
More details - 4.10%APY$586 over 17 months on $10,000intro rate
Requirements
Product: Limited-time promotional special rate. Membership required. $500 minimum deposit for Standard Certificates of Deposit. Automatically renews at the current non-promotional rate upon maturity.
Offer: Limited time offer. Accurate as of 9/1/2026.
Promotional rate · 4.03% interest rate · Effective Sep 1, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 35 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.08%APY$202 over 6 months on $10,000
Requirements
Product: Dividends compounded daily. Funds in certificates are insured up to $250,000 by the NCUA.
Offer: APY is based on $10,000; your APY may vary slightly. Compounded daily.
4.00% interest rate · Compounded daily
Rate checked
More details - 4.08%APY$408 over 1 year on $10,000
Requirements
Product: Penalties for early withdrawal of principal. Deposits insured up to $250,000.00.
4.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.08%APY$618 over 18 months on $10,000intro rate
Requirements
Product: Dividends compounded and credited/paid monthly. $1,000 minimum balance required unless specified. Automatically renews on maturity date with a 20-day penalty-free withdrawal grace period. Substantial early withdrawal penalty applies (equal to 90 days dividends for maturity 30 days to 1 year; 180 days dividends for maturity > 1 year). Membership eligibility requirements apply.
Promotional rate · 4.01% interest rate
Rate checked
More details - Grow FinancialCertificate AccountCD · 24–29 months · $500 min · 4.07%–4.18% by balance
Credit union · 22 branches
4.07%APYRequirements
Product: Minimum balance of $500.00 required to open and maintain the account; account will be closed if balance falls below requirements. Membership required.
Offer: Must maintain a minimum daily balance of $500.00 each day to obtain the disclosed APY.
4.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Account Balance APY $500 – $100,000Your amount 4.07% $100,000 and up 4.18% Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 6 branches
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.
4.00% interest rate · Effective Oct 1, 2024
Rate checked
More details - 1st Street Credit UnionShare CertificatesCD · 24 months · $1,000 min · 4.06%–4.16% by balance
Credit union · 1 branch
4.06%APY$828 over 24 months on $10,000Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 4.06% $75,000 and up 4.11% $150,000 and up 4.16% Rate checked
More details - 4.06%APY$1,268 over 36 months on $10,000
Requirements
Product: Membership eligibility required. Fixed dividend rate locked for full term. Early withdrawal penalty may apply. Federally insured to at least $250,000 by NCUA.
Offer: No service or transaction fees. Early withdrawal penalty may apply.
4.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min
Credit union · 6 branches
4.05%APY$200 over 6 months on $10,0003.98% interest rate · Effective Jan 1, 2026
Rate checked
More details - 4.05%APY$234 over 7 months on $10,000
Requirements
Product: Minimum opening deposit and minimum balance to earn dividends is $500. Automatically renews upon maturity. Special offers renew into regular certificates at specified terms.
Offer: Special offer; renews to 6 month regular certificate upon maturity.
3.98% interest rate · Effective Jul 1, 2026
Rate checked
More details - People's Alliance Federal Credit UnionShare CertificateCD · 10 months · $1,000 min
Credit union · 1 branch
4.05%APY$336 over 10 months on $10,000Requirements
Product: Fixed rate. Dividends are earned daily, compounded and credited monthly. Penalty of 30 days' dividends for early withdrawal of principal; paid dividends are available for withdrawal. Account renews automatically at maturity with a 7 calendar day grace period. Credit union membership required ($5.00 par value share).
Offer: Special rate available for a limited time. Minimum opening deposit of $1,000 required. Available for new money only (money not currently on deposit or held by PAFCU within the past 12 months).
3.98% interest rate · Effective Aug 17, 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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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