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 256–270 results in Florida
- 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Membership and eligibility requirements apply. Fees may reduce earnings. Penalties may apply for withdrawal of funds before maturity.
2.96% interest rate
Rate checked
More details - RadiFi Credit Union3-Month Term CertificateCD · 3 months · $500 min · 2.90%–3.25% by balance
Credit union · 8 branches
2.90%APY$72 over 3 months on $10,000Requirements
Product: APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
2.86% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 3-Month Term Certificate Balance APY $500 – $2,500 2.90% $2,500 – $25,000Your amount 2.90% $25,000 – $50,000 2.90% $50,000 – $100,000 3.00% $100,000 – $250,000 3.00% $250,000 – $500,000 3.00% $500,000 – $750,000 3.00% $750,000 – $1,000,000 3.15% $1,000,000 and up 3.25% Rate checked
More details - 2.90%APY$741 over 30 months on $10,000with conditions
Requirements
Product: Investor Choice CD: $10,000 minimum to open. Rates last updated 09/23/2026. Rate increase option: may increase rate once during term based on current rates; add funds up to initial deposit in $1,000 increments. Interest compounded and credited quarterly using daily balance method. Penalty: 12 months interest if maturity >24 months, 6 months if ≤24 months. Available for consumer deposits only.
Offer: Relationship rate requires Direct Deposit Checking.
Qualified rate · 2.87% interest rate
Rate checked
More details - Members First CU of FloridaBump-Up Certificate of DepositCD · 60–120 months · $500 min
Credit union · 7 branches
2.80%APYRequirements
Product: Option to bump up the interest rate to a higher rate once during the life of the CD on 24 months or longer terms. Dividends calculated by Average Daily Balance Method. Membership share requirement $5.00. Early withdrawal penalties apply. Automatic renewal with 10-day grace period.
Offer: Member has discretion to increase rate one time
2.77% interest rate · Effective Jan 1, 2026
Rate checked
More details - NBH BankFixed Rate 15 Month Time Deposit (Online Account Opening)CD · 15 months · $500 min
Bank · 1 branch
2.76%APY$346 over 15 months on $10,000Requirements
Product: Online Account Opening schedule for 15 Month Certificate of Deposit Time Account.
Offer: Must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Interest compounded annually and credited annually and at maturity.
2.75% interest rate · Compounded annually
Rate checked
More details - RadiFi Credit Union18-Month Term CertificateCD · 18 months · $500 min · 2.70%–3.05% by balance
Credit union · 8 branches
2.75%APY$415 over 18 months on $10,000Requirements
Product: APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
2.67% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 18-Month Term Certificate Balance APY $500 – $2,500 2.70% $2,500 – $25,000Your amount 2.75% $25,000 – $50,000 2.80% $50,000 – $100,000 2.90% $100,000 – $250,000 3.05% $250,000 – $500,000 3.05% $500,000 – $750,000 3.05% $750,000 – $1,000,000 3.05% $1,000,000 and up 3.05% Rate checked
More details - Tampa Postal Federal Credit UnionStep Share Certificate AccountsCD · 36 months · $500 min
Credit union · 4 branches
2.75%APY$848 over 36 months on $10,000intro rateRequirements
Product: The member holds the responsibility of monitoring rate increases and notifying TPCU when the Step Up will be implemented. Early withdrawal penalties may apply.
Offer: Member responsible for monitoring rate increases and notifying TPCU to implement Step Up. Early withdrawal penalties may apply.
Promotional rate · 2.72% interest rate · Effective Mar 1, 2026
Rate checked
More details - RadiFi Credit Union12-Month Term CertificateCD · 12 months · $500 min · 2.65%–4.05% by balance
Credit union · 8 branches
2.70%APY$270 over 1 year on $10,000Requirements
Product: APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
2.62% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 12-Month Term Certificate Balance APY $500 – $2,500 2.65% $2,500 – $25,000Your amount 2.70% $25,000 – $50,000 2.75% $50,000 – $100,000 2.85% $100,000 – $250,000 3.85% $250,000 – $500,000 3.90% $500,000 – $750,000 3.95% $750,000 – $1,000,000 4.00% $1,000,000 and up 4.05% Rate checked
More details - 2.69%APY$337 over 15 months on $10,000
Requirements
Product: May increase the interest rate one time during the term if the Bank's rate for the same term Flex CD increases. Additional deposits permitted in increments of $100 up to one-half of the initial principal balance. One withdrawal of up to one-half of initial principal balance permitted without penalty during the term. Early withdrawals exceeding one-half initial principal or after the first withdrawal are subject to a penalty of 90 days' interest. If withdrawn within first 90 days, penalty may reduce principal. Automatically renews to standard 12-month CD at maturity unless withdrawn within 10 days.
Offer: Rate increase option: may increase the rate one time during the term if Bank's rate increases. Make additional deposits up to one-half of initial principal balance.
Rate checked
More details - Metro Federal Credit UnionPayroll Share Certificate - Funded by Payroll Deposit OnlyCD · 48 months · $0 min
Credit union · 1 branch
2.63%APY$1,094 over 48 months on $10,000Requirements
Product: Funded by Payroll Deposit Only. Available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Dividends compounded and credited monthly. Fixed for certificate term. Early withdrawals may be subject to penalty. 7-day grace period on maturity.
Rate checked
More details - 2.55%APY$255 over 1 year on $10,000
Requirements
Product: e-CD account opened online. Fixed interest for term of CD. Early withdrawal penalty applies and automatic renewal at maturity.
2.52% interest rate · Effective Dec 17, 2025
Rate by balance
Rate by balance for e-CD Balance APY Up to $100,000Your amount 2.55% $100,000 and up 3.05% Rate checked
More details - 2.52%APY$1,047 over 48 months on $10,000intro rate
Requirements
Product: Minimum $1,000 deposit to open any Certificate of Deposit (CD) other than promotional offers. Dividends are compounded and credited to share certificate quarterly. Yield assumes earned dividends are kept on deposit in share certificate until maturity date.
2.50% interest rate · Effective Sep 1, 2026
Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - 2.50%APY$250 over 1 year on $10,000
Requirements
Product: Dividends are paid quarterly and calculated on average monthly balance. Rates are subject to change at any time without notice. Early withdrawals subject to penalty. Renews automatically upon maturity. No setup or maintenance fees.
2.47% interest rate · Effective Oct 5, 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
1,742 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%
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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
- Climate First BankBank · 4 branches
- Oxford Federal Credit UnionCredit union · 1 branch