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 181–195 results in Florida
- 3.64%APY$180 over 6 months on $10,000intro rate
Requirements
Product: Penalty may be charged for early withdrawal. Advertised Annual Percentage Yield (APY) may change after maturity. Fees could reduce earnings.
Offer: Penalty may be charged for early withdrawal. Advertised Annual Percentage Yield (APY) may change after maturity. Fees could reduce earnings.
Promotional rate · Effective Feb 3, 2026
Rate checked
More details - 3.62%APY$179 over 6 months on $10,000
Requirements
Product: Minimum balance of $250 required. Penalty for early withdrawal applies.
Offer: Penalty for early withdrawal applies.
3.56% interest rate · Effective Mar 1, 2025
Rate checked
More details - Popular BankPopular Private Client Certificate of DepositCD · 6 months · $1,000 min · 3.60%–3.80% by balance
Bank · 12 branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: Exclusive to Popular Private Client customers. Minimum deposit of $1,000 required to open. Early withdrawal penalty applies. Daily compound interest credited monthly, quarterly, semi-annually, annually, or at maturity.
Offer: Must visit a branch location to open a 6-month CD.
3.54% interest rate · Effective May 26, 2026
Rate by balance
Rate by balance for Popular Private Client Certificate of Deposit Balance APY $1,000 – $25,000Your amount 3.60% $25,000 – $100,000 3.65% $100,000 – $250,000 3.70% $250,000 – $1,000,000 3.75% $1,000,000 and up 3.80% Rate checked
More details - 3.60%APY$178 over 6 months on $10,000
Requirements
Product: May invest from 6 months to 60 months. Earnings compound within the CD or posted monthly to share or share draft account. Fixed rate until maturity. Early withdrawal penalties may apply.
Offer: Early withdrawal penalties may apply. Rates subject to change.
Effective Sep 23, 2025
Rate checked
More details - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min
Credit union · 3 branches
3.60%APY$360 over 1 year on $10,000with conditionsRequirements
Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Qualified rate · 3.54% interest rate · Compounded monthly
Rate checked
More details - RadiFi Credit Union30-Month Term CertificateCD · 30 months · $500 min · 3.60%–3.80% by balance
Credit union · 8 branches
3.60%APY$924 over 30 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
3.54% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 30-Month Term Certificate Balance APY $500 – $2,500 3.60% $2,500 – $25,000Your amount 3.60% $25,000 – $50,000 3.60% $50,000 – $100,000 3.70% $100,000 – $250,000 3.70% $250,000 – $500,000 3.70% $500,000 – $750,000 3.80% $750,000 – $1,000,000 3.80% $1,000,000 and up 3.80% Rate checked
More details - San Antonio Citizens Federal Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · 4 branches
3.60%APY$1,934 over 60 months on $10,000Requirements
Product: Dividends are compounded daily and credited monthly to the certificate. Penalties for early withdrawal apply.
3.54% interest rate · Compounded daily
Rate checked
More details - TruGrocer Federal Credit UnionMoney Market Share CertificateCD · 6 months · $10,000 min
Credit union · 1 branch
3.56%APY$176 over 6 months on $10,000Requirements
Product: Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $10,000 with terms up to 60 months.
3.50% interest rate · Compounded monthly
Rate checked
More details - 3.56%APY$356 over 1 year on $10,000
Requirements
Product: Must be a member of GTE Financial (requires opening and funding a $5 member owner share). No monthly fee. Early withdrawal penalties apply.
3.50% interest rate · Effective Feb 10, 2026
Rate checked
More details - Franklin-Somerset Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 1 branch
3.56%APY$356 over 1 year on $10,000Requirements
Product: Dividends compounded daily. Early withdrawal penalty applies. Fees could reduce earnings. Dividends paid monthly on daily balance.
Offer: Dividends compounded daily. Early withdrawal penalty applies.
3.50% interest rate · Compounded daily · Effective Sep 30, 2026
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.55%APY$176 over 6 months on $10,000
Requirements
Product: $500 minimum deposit to open. Dividends are compounded and credited quarterly. Early withdrawal penalties may apply. Fees could reduce earnings on the account.
Offer: Dividends compounded and credited quarterly. Early withdrawal penalties may apply.
3.50% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.55%APY$723 over 24 months on $10,000
Requirements
Product: Earnings compounded monthly. Penalty for early withdrawal. $500 minimum deposit to open most Certificates. No setup or maintenance fees.
Offer: Dividends paid monthly. Penalty for early withdrawal.
3.49% interest rate · Compounded monthly
Rate checked
More details - 3.55%APY$1,906 over 60 months on $10,000
Requirements
Product: For members wishing to earn even higher dividends. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
Offer: Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
3.49% interest rate · Compounded daily · Effective Jul 1, 2026
Rate checked
More details - 3.55%APY$176 over 6 months on $10,000
Requirements
Product: $200 minimum deposit applies to all Share 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.
3.50% interest rate · Effective Dec 9, 2025
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
1,742 CDs at 190 banks and credit unions · checked Oct 16–23
- Typical
- 3.30%
- Top 10% from
- 4.10%
- Banks, typical
- 2.28%
- 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
- Climate First BankBank · 4 branches
- Oxford Federal Credit UnionCredit union · 1 branch