Best CD rates in Florida

Requirements

Product: Dividends credited and compounded monthly. No monthly maintenance fee. Penalties may be imposed for early withdrawal. Certificates automatically renew at maturity for the same term as the original term.

Requirements

Product: $10,000 minimum deposit applies to Share Jumbo Certificates. New Shares Certificate opened with at least $5,000 from another source (new money) will receive an additional 0.50% rate above published rates. Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.

Requirements

Product: Must be new money to Ocean Bank (funds not currently on deposit at Ocean Bank). Maintain a minimum balance of your initial CD deposit amount in the account each day to obtain the disclosed APY.

Offer: Must be new money to Ocean Bank. Maintain initial CD deposit amount each day to obtain APY.

Requirements

Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.

Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.

Requirements

Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Fees may reduce earnings. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher for members maintaining total combined monthly household average balances of $50,000+.

Offer: Platinum APY with Relationship Rewards (combined monthly household average balances $50,000+)

Requirements

Product: CD terms 36, 48 & 60 months offer a one-time setup. Automatic renewal or transfer to share at maturity. Dividend rates are compounded and credited monthly. Closing the certificate or withdrawing funds prior to maturity will result in a loss of earnings and/or penalties.

Requirements

Product: Interest compounded daily, credited monthly. CDs less than 24 months penalty: 6 months interest; CDs 24 months or greater penalty: 12 months interest. Automatically renews at maturity.

Requirements

Product: ConnectOne Bank opens CDs as Time Deposits. IRA Time Deposits are not available online. Promotional rates subject to change without notice. Early withdrawal penalties may be imposed.

Offer: 4 Month Penalty-Free CD. No early withdrawal penalties imposed unless funds are withdrawn within 7 days of account opening (forfeits earned interest). Promotional rate.

Requirements

Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: Early withdrawal penalties may apply. Flexible dividend payment options. Minimum investment $1,000.

Offer: Promotional certificate rate also effective Sep 1, 2026.

Requirements

Product: Rates are subject to change. Applied location: ZIP 64106.

Requirements

Product: Penalty for early withdrawal. No setup or maintenance fees. $1,000 minimum opening deposit.

Offer: Penalty for early withdrawal.

Requirements

Product: Early withdraw penalties may apply. Fees may reduce earnings. Low minimum deposit of only $1,000. Dividends compound annually or at maturity. Automatic renewal.

Offer: Early withdraw penalties may apply. Fees may reduce earnings.

Requirements

Product: Fixed annual interest rate for the term of the CD. Early withdrawal may be subject to penalty. Offer not available to funds currently on deposit at Seacoast Bank. At maturity, CD will automatically renew for the same renewal term.

Offer: Special APY applicable to initial term only. Early withdrawal penalty equals the loss of simple interest for six months for maturity greater than one year.