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 106–120 results in Florida
- 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Promotional CDs can be opened and funded entirely online (or at a branch for select terms). Automatically renews at maturity. Can be used as collateral for a personal loan. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Will automatically renew at maturity of CD. Can be used as collateral for a personal loan. A penalty may be imposed for withdrawal before maturity. Visit a Branch to Open Today.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - Alive Credit UnionCertificates of Deposit - Special OffersCD · 13 months · $500 min
Credit union · 9 branches
4.00%APY$434 over 13 months on $10,000intro rateRequirements
Product: Special Certificate of Deposit automatically renews to a 12-month CD with rates and terms effective as advertised on renewal date. Penalty for early withdrawal.
Offer: Dividends paid monthly. Automatically renews to a 12-month CD with rates and terms effective as advertised on renewal date. Penalty for early withdrawal.
Promotional rate · 3.93% interest rate
Rate checked
More details - Lake Forest Bank & Trust Company, N.A.13-Month CD SpecialCD · 13 months · $1,000 min
Bank · 3 branches
4.00%APY$434 over 13 months on $10,000intro rateRequirements
Product: New money only (money not currently held at any Wintrust Financial Corporation location). Early withdrawal penalties apply. At maturity, CD Specials automatically renew into a CD with a different term at standard interest rate and APY in effect on maturity date.
Offer: Requires new money only. Assumes funds remain on deposit until maturity. Minimum daily balance of $0.01 required to obtain APY.
Promotional rate · Effective Jun 10, 2026
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Consumer CDs with balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.
Offer: Special rate; limited time only, rate subject to change.
Compounded annually · Balance cap $5,000,000 · Effective Oct 14, 2026
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000
Requirements
Product: Membership required. Dividends are paid monthly and can be reinvested into the certificate or transferred to another share account with the credit union. Early withdrawal penalties may apply.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000
Requirements
Product: Terms range from 90 days to 5 years. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: 18 month CD. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
3.92% interest rate · Effective Oct 5, 2026
Rate checked
More details - Financial Educators Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · 1 branch
4.00%APY$816 over 24 months on $10,000Requirements
Product: A $1,000 minimum balance is required. Early withdrawal prior to maturity incurs a penalty of 6 months loss of interest (earned or not). Anchors Away accounts eligible for an additional 0.25%.
Offer: "Anchors Away" accounts eligible for an extra 0.25%
Effective Dec 9, 2022
Rate checked
More details - 4.00%APY$1,249 over 36 months on $10,000
Requirements
Product: Membership and eligibility requirements apply. Fees may reduce earnings. Initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for withdrawal of funds before maturity.
Offer: Initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for early withdrawal.
Balance cap $5,000,000 · Effective Oct 1, 2026
Rate checked
More details - Broward HealthCare Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · 5 branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Dividends compounded monthly and paid quarterly. Early withdrawal penalties apply.
Offer: Early withdrawal penalties apply.
3.93% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Gallup FCUCertificates of DepositCD · 60 months · $10,000 min · 4.00%–4.50% by balance
Credit union · 1 branch
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Membership is open to all full- and part-time Gallup employees/associates and their immediate family members/household members.
Effective Jul 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $10,000 and upYour amount 4.00% $50,000 and up 4.50% Rate checked
More details - Monroe County Teachers Federal Credit UnionShare CertificatesCD · 60 months · $10,000 min
Credit union · 1 branch
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Minimum investment of $10,000. Management has discretion to match local rate offerings. Early withdrawal penalties apply.
Offer: Early withdrawal penalties apply. Management has discretion to match local rate offerings.
Effective Jan 24, 2023
Rate checked
More details - Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 60 months · $500 min
Credit union · 23 branches
4.00%APY$2,167 over 60 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.
Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).
Qualified rate · 3.93% interest rate · Effective Sep 18, 2026
Rate checked
More details - Northrop Grumman Federal Credit UnionCertificatesCD · 24 months · $2,500 min
Credit union · 3 branches
3.97%APY$810 over 24 months on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
3.90% interest rate · Effective Oct 16, 2026
Rate checked
More details - Velocity Community Credit UnionMember CertificateCD · 12 months · $5,000 min
Credit union · 3 branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Certificate rates remain fixed for the term of the certificate. Fees or other conditions could reduce earnings. Penalty may be imposed for early withdrawal.
3.87% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.95%APY$395 over 1 year on $10,000intro rate
Requirements
Product: Minimum opening deposit is $1,000; maximum opening deposit is $250,000 per CD. Advertised promotional rates are for accounts opened online. Early withdrawal penalties apply. At maturity, CDs automatically renew into the standard CD term closest in length at the then-current standard rate unless instructions are provided during the 7-day grace period. No account fees.
Offer: Promotional rate for online accounts. Fixed for initial term. Automatically renews into standard rate closest in length at maturity.
Promotional rate · Effective Aug 10, 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