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 16–30 results in Jacksonville, FL metro
- Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 11 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.08%APY$202 over 6 months on $10,000
Requirements
Product: Dividends compounded daily. Funds in certificates are insured up to $250,000 by the NCUA.
Offer: APY is based on $10,000; your APY may vary slightly. Compounded daily.
4.00% interest rate · Compounded daily
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000intro rate
Requirements
Product: Interest can be paid monthly, quarterly, semi-annually, or annually, and can be automatically transferred to checking or savings. Penalty for early withdrawal. Terms from 90 days to 72 months available.
Offer: 11 Month CD Rate Special. At maturity, converts automatically to a 12 month regular CD at current rate. Penalty for early withdrawal.
Promotional rate · Effective Sep 29, 2026
Rate checked
More details - Community First Credit Union of FloridaCertificates of DepositCD · 13 months · $500 min · 4.05%–4.15% by balance
Credit union · 24 branches
4.05%APY$439 over 13 months on $10,000intro rateRequirements
Product: Effective 2026-10-13. Minimum balances: Standard $500 ($100 for Youth Advantage, $250 for 6-Month SaveUP CD); Jr. Jumbo $45,000; Jumbo $100,000; Jumbo Plus $250,000; Super Jumbo $500,000; Super Jumbo Plus $750,000; Super Jumbo Max $1,000,000. Compounding monthly. Early withdrawal penalties apply. Membership required.
Offer: 13 Month CD Standard tier.
Promotional rate · 3.97% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 and upYour amount 4.05% $45,000 and up13 Month CD Jr. Jumbo tier. 4.05% $100,000 and up13 Month CD Jumbo tier. 4.10% $250,000 and up13 Month CD Jumbo Plus tier. Special promotional rate. 4.15% $500,000 and up13 Month CD Super Jumbo tier. 4.15% $750,000 and up13 Month CD Super Jumbo Plus tier. 4.15% $1,000,000 and up13 Month CD Super Jumbo Max tier. 4.15% Rate checked
More details - VyStar Credit UnionPersonal CDCD · 30 months · $500 min · 4.05%–4.15% by balance
Credit union · 52 branches
4.05%APY$1,043 over 30 months on $10,000Requirements
Product: Dividends are compounded monthly and credited monthly. Daily balance method is used. Penalty applies for early principal withdrawals.
3.97% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate by balance
Rate by balance for Personal CD Balance APY Up to $50,000Your amount 4.05% $50,000 and up 4.15% Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Promotional CDs can be opened and funded entirely online (or at a branch for select terms). Automatically renews at maturity. Can be used as collateral for a personal loan. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Will automatically renew at maturity of CD. Can be used as collateral for a personal loan. A penalty may be imposed for withdrawal before maturity. Visit a Branch to Open Today.
Promotional rate · Effective Oct 13, 2026
Rate checked
More details - Alive Credit UnionCertificates of Deposit - Special OffersCD · 13 months · $500 min
Credit union · 9 branches
4.00%APY$434 over 13 months on $10,000intro rateRequirements
Product: Special Certificate of Deposit automatically renews to a 12-month CD with rates and terms effective as advertised on renewal date. Penalty for early withdrawal.
Offer: Dividends paid monthly. Automatically renews to a 12-month CD with rates and terms effective as advertised on renewal date. Penalty for early withdrawal.
Promotional rate · 3.93% interest rate
Rate checked
More details - 3.97%APY$810 over 24 months on $10,000
Requirements
Product: A penalty will or may be imposed for early withdrawal. If minimum balance requirements are not met, fees could reduce the earnings on these accounts.
3.90% interest rate · Effective Oct 16, 2026
Rate checked
More details - RadiFi Credit Union13-Month Share Certificate SpecialCD · 13 months · $2,500 min · 3.90%–4.00% by balance
Credit union · 8 branches
3.90%APY$423 over 13 months on $10,000Requirements
Product: APY is effective as of 10/1/2026. Fixed rate for the full 13-month term. Dividends credited monthly. Early withdrawal penalties may apply. The minimum balance to open and earn APY is the lowest amount in each tier.
Offer: Dividends credited monthly.
3.83% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 13-Month Share Certificate Special Balance APY $2,500 – $25,000Your amount 3.90% $25,000 – $50,000 3.90% $50,000 – $100,000 4.00% $100,000 – $250,000 4.00% $250,000 – $500,000 4.00% $500,000 – $750,000 4.00% $750,000 – $1,000,000 4.00% $1,000,000 and up 4.00% Rate checked
More details - 3.90%APY$1,216 over 36 months on $10,000intro rate
Requirements
Product: Membership eligibility required ($5.00 minimum deposit to Savings Prime Share Account to join). Funds federally insured up to $250,000 by NCUA.
Offer: Fixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity.
Promotional rate · 3.83% interest rate · Effective Aug 1, 2026
Rate checked
More details - 3.80%APY$252 over 8 months on $10,000with conditions
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.
Qualified rate · Compounded daily · Effective Sep 24, 2026
Rate checked
More details - 3.80%APY$380 over 1 year on $10,000
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.
3.74% interest rate · Effective Jul 1, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
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.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% 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 Jacksonville, FL metro
370 CDs at 32 banks and credit unions · checked Oct 6–22
- Typical
- 3.25%
- Top 10% from
- 4.03%
- Banks, typical
- 0.93%
- Credit unions, typical
- 3.55%
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Jacksonville, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Jax Fire Credit UnionCredit union · 1 branch
- JM Associates FCUCredit union · 2 branches
- SUMA Federal Credit UnionCredit union · 1 branch