Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Miami, FL metro
- Dort Financial Credit UnionRelationship CertificateCD · 11 months · $5,000 min
Credit union · 4 branches
5.00%APY$457 over 11 months on $10,000with conditionsRequirements
Product: Certificate term is 11 months and will automatically renew to a 12-month certificate at the rate in effect at the time of renewal. $5,000 minimum balance is required with no maximum. 0.25% APY bonus when you meet the Boost Checking Account qualifications within 90 days of certificate opening. Boost Checking Qualifications include direct deposits totaling $900 or more, electronic statements, and 25 or more qualifying debit/credit card purchases. 0.25% APY bonus with existing or new Dort Financial CU Visa credit card within 90 days. Maximum APY of 5.00%. APY bonuses are retroactive. Consumer certificates only. Early withdrawal penalty applies.
Offer: Maximum APY of 5.00% including relationship bonuses: 0.25% APY bonus when meeting Boost Checking Account qualifications within 90 days of certificate opening; 0.25% APY bonus with existing Dort Financial CU Visa credit card or when opening a new Dort Financial CU Visa credit card within 90 days. APY bonuses are retroactive to first day of dividend posting period. Certificate term is 11 months and renews to 12-month certificate. $5,000 minimum balance. Early withdrawal penalty applies.
Qualified rate
Rate checked
More details - 5.00%APY$2,763 over 60 months on $10,000with conditions
Requirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 5 years (1825 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit.
Qualified rate · 4.89% interest rate · Effective Oct 15, 2026
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More details - Publix Employees Federal Credit UnionRegular CertificatesCD · 9 months · $1,000 min
Credit union · 2 branches
4.65%APY$347 over 9 months on $10,000intro rateRequirements
Product: Membership qualification required. APY assumes dividends remain on deposit until maturity. Penalty will be imposed for early withdrawal. Dividends credited monthly.
Offer: 4.50% APY footnote note refers to 7/15/2026 accurate as of, 10-month renewing to 12-month. Schedule lists 9 Months* with 4.551% dividend rate, 4.65% APY. Share certificates page notes 9-month certificate dividends are paid at maturity.
Promotional rate · 4.55% interest rate · Effective Oct 15, 2026
Rate checked
More details - Dort Financial Credit UnionCertificate of Deposit (7-Month Limited-Time Offer)CD · 7 months · $5,000 min
Credit union · 4 branches
4.60%APY$266 over 7 months on $10,000intro rateRequirements
Product: Certificate term is 7 months and will automatically renew to a 6-month certificate at the posted rate at the time of renewal. $5,000 minimum balance required with no maximum. For new money to Dort Financial Credit Union only. APY assumes dividends remain on deposit until maturity; early withdrawal penalty applies. Limited time offer.
Offer: Limited-time promotional certificate. Automatically renews to a 6-month certificate at posted rate upon maturity. Requires new money to Dort Financial Credit Union. Early withdrawal penalty applies.
Promotional rate
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More details - 4.60%APY$941 over 24 months on $10,000
Requirements
Product: Available only in Florida. Member FDIC. FirstBank Florida is a division of FirstBank Puerto Rico. Early withdrawal penalties may apply. Fees may reduce earnings.
Effective Oct 8, 2026
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More details - 4.60%APY$941 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 funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.
Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.
Qualified rate
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More details - 4.50%APYwith conditions
Requirements
Product: Promotional limited-time CD. Interest earned will be transferred to an existing or new Evermore Bank checking, money market or savings account on a monthly basis. Early withdrawal penalty may apply. Upon renewal, CD will automatically renew for a 12-month term subject to prevailing rates.
Offer: Requires a qualifying Evermore Bank Checking, Money Market, or Savings Account to open. Minimum balance to earn the APY is $10,000.
Qualified rate · 4.50% interest rate · Effective Sep 1, 2026
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More details - 4.50%APY$566 over 15 months on $10,000intro rate
Requirements
Product: Advertised rates apply only in the state of Florida for domestic accounts. CD must be opened with new funds deposited into Amerant Bank. For accounts opened at a Banking Center location: minimum balance to open and obtain APY is $10,000 up to a maximum of $500,000. For accounts opened online: minimum balance to open and obtain APY is $500 up to a maximum of $250,000. Individual customers must be U.S. citizens or resident aliens with a valid U.S. Taxpayer Identification Number. No monthly service fee. Early withdrawal penalties apply.
Offer: Promotional CD offer valid for Florida residents. Must open account by 2026-11-10 to get promotional rate. Minimum $10,000 deposit and balance from external source required. Maximum deposit $250,000 per account ($500,000 per customer). Account must be opened online or in-branch. Personal accounts only. 10-day rate guarantee.
Promotional rate · Balance cap $250,000 · Effective Oct 9, 2026
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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
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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
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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
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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
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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
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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.
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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 Miami, FL metro
704 CDs at 73 banks and credit unions · checked Oct 15–22
- Typical
- 3.20%
- Top 10% from
- 4.15%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.51%
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Miami, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- American Airlines Federal Credit UnionCredit union · 6 branches
- JM Associates FCUCredit union · 1 branch
- First Choice Credit UnionCredit union · 2 branches