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 16–30 results in Florida
- Teachers Federal Credit UnionCertificate AccountsCD · 22 months · $1,000 min
Credit union · 3 branches
4.50%APY$840 over 22 months on $10,000Requirements
Product: $1,000.00 minimum balance to earn APY and to open an account. Certificates automatically renew at maturity. Membership at Teachers is required by opening a minimum $1.00 Regular or Youth Savings account. Penalty may be imposed for early withdrawal. Maintenance fee is $0.00.
Offer: Certificate is available for New Money deposits only. New Money is defined as money not currently on deposit or held by Teachers FCU within the previous 12 months.
4.40% interest rate · Effective Sep 30, 2026
Rate checked
More details - 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Minimum deposit is $500. Membership subject to eligibility. Early withdrawal penalty applies to principal; dividends earned may be withdrawn at any time without penalty. Dividends are compounded and credited quarterly.
Offer: Includes 1x Bump Up feature.
4.43% interest rate · Effective Oct 9, 2026
Rate checked
More details - First Choice Credit UnionShare CertificatesCD · 60 months · $1,000 min · 3.98%–4.75% by balance
Credit union · 2 branches
4.49%APY$2,456 over 60 months on $10,000Requirements
Product: Early withdrawal penalty of 180 days interest applies to all certificate accounts. Certificate rates are fixed for the full term. Membership required.
Offer: Early withdrawal penalty is 180 days interest.
3.92% interest rate · Effective Nov 1, 2025
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and up 3.98% $5,000 and upYour amount 4.49% $75,000 and up 4.75% Rate checked
More details - 4.45%APYwith conditions
Requirements
Product: No withdrawal penalty.
Offer: No withdrawal penalty.
Qualified rate · 4.36% interest rate
Rate checked
More details - 4.45%APY$598 over 16 months on $10,000with conditions
Requirements
Product: Available to Florida residents only and must be opened online. Requires opening a concurrent $1,500 non-interest-bearing checking account maintained for the full 16-month CD term; early closure of checking imposes an early closure penalty equal to 12 months interest on the CD.
Offer: Online-only offer for Florida residents. Requires a $1,500 non-interest-bearing checking account opened concurrently and maintained for the entire 16-month term.
Qualified rate · 4.36% interest rate
Rate checked
More details - Tropical Financial Credit UnionRegular Certificate of DepositCD · 12 months · $500 min
Credit union · 6 branches
4.40%APY$440 over 1 year on $10,000Requirements
Product: Minimum average daily balance to earn APY is $500. Early withdrawal penalties apply. Rates effective as of October 13, 2026.
Offer: Minimum average daily balance to earn APY is $500.
4.33% interest rate · Effective Oct 13, 2026
Rate checked
More details - 4.40%APY$899 over 24 months on $10,000
Requirements
Product: Dividends paid and compounded quarterly. Rates determined by the principal balance when opened. Automatic renewal at maturity. Early withdrawal penalties may apply.
4.33% interest rate · Compounded quarterly · Effective Oct 15, 2026
Rate checked
More details - 4.40%APY$899 over 24 months on $10,000with conditions
Requirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.
Offer: Online opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Qualified rate
Rate checked
More details - 4.40%APY$899 over 24 months on $10,000
Requirements
Product: Applies to CD accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Minimum to open is $1,000.
Offer: Opened in branch/Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Rate checked
More details - 4.39%APY$439 over 1 year on $10,000intro rate
Requirements
Offer: Special 12-Month Fixed Rate CD requires new money deposits. Automatically renews at the then-prevailing published 12-month standard rate and APY.
Promotional rate · 4.30% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.39%APY$2,396 over 60 months on $10,000
Requirements
Product: No additional deposits allowed. Early withdrawal of principal before maturity is subject to a penalty equal to 90 days' interest. Automatically renews to the same term CD unless funds are withdrawn within the 10-day grace period after maturity. Withdrawals reduce earnings.
Offer: Minimum opening deposit of $500.00 required. No additional deposits allowed. Early withdrawal penalty of 90 days' interest applies.
4.30% interest rate · Effective Aug 28, 2026
Rate checked
More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Must open and fund a Pibank Savings account and link to the Pibank CD. Monthly interest earned is deposited into the linked Pibank Savings account.
Offer: Requires opening and funding a linked Pibank Savings account. Monthly interest is paid into the linked Pibank Savings account. Subject to early withdrawal penalties.
Balance cap $5,000,000 · Effective Sep 28, 2026
Rate checked
More details - 4.35%APY$435 over 1 year on $10,000intro rate
Requirements
Product: Offer applies to New Money Only for domestic personal accounts opened online.
Offer: Offer applies to New Money Only for domestic personal accounts opened online.
Promotional rate · Effective Sep 28, 2026
Rate checked
More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Available online only. Applicants must have a current U.S. home address (excluding U.S. territories, except Puerto Rico), SSN, valid U.S. driver's license or state ID, and be 18 years or older. Early withdrawal penalty of 30 days simple interest may apply. No monthly account maintenance fees.
Offer: Interest compounds and credits monthly. 30-day simple interest early withdrawal penalty.
4.27% interest rate · Balance cap $5,000,000 · Effective Sep 22, 2026
Rate checked
More details - Achieva Credit UnionCertificate of Deposit (CD)CD · 13 months · $10,000 min
Credit union · 28 branches
4.35%APY$472 over 13 months on $10,000Requirements
Product: Federally insured by NCUA up to $250,000. No monthly fees. A minimum opening balance of $500 is required for all CD products (except promotional specials). Early withdrawal penalty may apply.
Offer: New money only (funds not currently or previously on deposit at Achieva Credit Union within the last 90 days). Automatically renews to a 12-month term at then-current rate.
4.27% interest rate · Effective Aug 20, 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