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 31–45 results in Jacksonville, FL metro
- Coastline Federal Credit UnionRegular Share CertificatesCD · 12 months · $1,000 min
Credit union · 4 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal. No setup or maintenance fees. $1,000 minimum opening deposit.
Offer: Penalty for early withdrawal.
3.68% interest rate · Effective May 29, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000intro rate
Requirements
Product: Fixed annual interest rate for the term of the CD. Early withdrawal may be subject to penalty. Offer not available to funds currently on deposit at Seacoast Bank. At maturity, CD will automatically renew for the same renewal term.
Offer: Special APY applicable to initial term only. Early withdrawal penalty equals the loss of simple interest for six months for maturity greater than one year.
Promotional rate · Effective Oct 3, 2026
Rate checked
More details - JM Associates FCUTerm Share CertificateCD · 12 months · $1,000 min · 3.66%–3.71% by balance
Credit union · 2 branches
3.66%APY$366 over 1 year on $10,000Requirements
Product: Penalties for early withdrawal on term share accounts.
3.60% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $1,000 and upYour amount 3.66% $50,000 and up 3.71% 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 · 1 branch
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 - 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$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 - 3.51%APY$1,880 over 60 months on $10,000
3.45% interest rate · Effective Aug 1, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 6-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. Distinct from the limited-time 6-month promotional CD.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 12-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 - 3.45%APY$522 over 18 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 18-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 - Alive Credit UnionCertificates of Deposit - Pulse CertificateCD · 24 months · $100 min
Credit union · 9 branches
3.44%APY$700 over 24 months on $10,000Requirements
Product: Open with as little as $100. Make unlimited deposits throughout the term. Certificate automatically renews at rate available at that time. Penalty for early withdrawal.
Offer: Dividends paid monthly. Minimum $100 opening deposit. Unlimited add-on deposits allowed until maturity with no maximum. Automatically renews at rate available at that time. Penalty for early withdrawal.
3.39% interest rate
Rate checked
More details - VyStar Credit Union18-Month Step-Up CertificateCD · 18 months · $500 min · 3.40%–3.50% by balance
Credit union · 52 branches
3.40%APY$514 over 18 months on $10,000intro rateRequirements
Product: Offers a one-time option during the 18-month term to adjust the dividend rate to the current published 18-month Step-up certificate dividend rate. Additional deposits allowed with minimum deposit of $2,000 or more.
Offer: One-time option to adjust rate during 18-month term; add-on deposits minimum $2,000.
Promotional rate · 3.34% interest rate · Effective Aug 17, 2026
Rate by balance
Rate by balance for 18-Month Step-Up Certificate Balance APY Up to $50,000Your amount 3.40% $50,000 and up 3.50% Rate checked
More details - RadiFi Credit Union24-Month Term CertificateCD · 24 months · $500 min · 3.40%–3.85% by balance
Credit union · 8 branches
3.40%APY$692 over 24 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.
3.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 24-Month Term Certificate Balance APY $500 – $2,500 3.40% $2,500 – $25,000Your amount 3.40% $25,000 – $50,000 3.40% $50,000 – $100,000 3.50% $100,000 – $250,000 3.50% $250,000 – $500,000 3.55% $500,000 – $750,000 3.80% $750,000 – $1,000,000 3.85% $1,000,000 and up 3.85% 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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