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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.

Term
Location

Top CD rates

Showing 16–30 results in Lakeland, FL metro

  1. Top Carrot, Carrot Score 96
    PenFed Credit UnionMoney Market CertificatesCD · 60 months · $1,000 min

    Credit union · 1 branch

    3.50%APY$1,877 over 60 months on $10,000
  2. Valley18-Month Certificate of DepositCD · 18 months · $500 min

    Bank · 1 branch

    3.45%APY$522 over 18 months on $10,000
  3. BCUNo Penalty CDsCD · 7 months

    Credit union · 1 branch

    3.30%APY$191 over 7 months on $10,000with conditions
  4. ChaseCertificate of DepositCD · 8 months · $1,000 min · 3.30%–3.80% by balance

    Bank · 5 branches

    3.30%APY$219 over 8 months on $10,000with conditions
  5. Valley24-Month Certificate of DepositCD · 24 months · $500 min

    Bank · 1 branch

    3.25%APY$661 over 24 months on $10,000
  6. Valley36-Month Certificate of DepositCD · 36 months · $500 min

    Bank · 1 branch

    3.20%APY$991 over 36 months on $10,000
  7. Bank of AmericaFlexible CDCD · 12 months · $1,000 min · 3.15%–3.65% by balance

    Bank · 6 branches

    3.15%APY$315 over 1 year on $10,000
  8. Trax Credit UnionShare CertificateCD · 6 months · $500 min

    Credit union · 2 branches

    3.10%APY$154 over 6 months on $10,000
  9. BCUStandard CDsCD · 60 months

    Credit union · 1 branch

    3.10%APY$1,649 over 60 months on $10,000
  10. Valley48-Month Certificate of DepositCD · 48 months · $500 min

    Bank · 1 branch

    3.05%APY$1,277 over 48 months on $10,000
  11. Valley60-Month Certificate of DepositCD · 60 months · $500 min

    Bank · 1 branch

    3.00%APY$1,593 over 60 months on $10,000
  12. MIDFLORIDA Credit UnionRegular CertificatesCD · 60 months · $1,000 min

    Credit union · 17 branches

    3.00%APY$1,593 over 60 months on $10,000
  13. Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance

    Bank · 12 branches

    1.76%APYwith conditions
  14. ChaseCD LadderCD · 6 months · $1,000 min · 0.02%–0.05% by balance

    Bank · 5 branches

    0.05%APY$2 over 6 months on $10,000with conditions
  15. Bank of AmericaFixed Term CDCD · 6–11 months · $1,000 min

    Bank · 6 branches

    0.03%APY

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 Lakeland, FL metro

239 CDs at 13 banks and credit unions · checked Sep 18–Oct 22

Typical
2.90%
Top 10% from
3.75%
Banks, typical
0.50%
Credit unions, typical
3.30%

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Lakeland, FL metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. PenFed Credit UnionCredit union · 1 branch
  2. Suncoast Credit UnionCredit union · 3 branches
  3. Lake Michigan Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate