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 46–60 results in Miami, FL metro
- 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$198 over 6 months on $10,000with conditions
Requirements
Product: Golden Eagle Members must maintain a minimum of $10,000 within their deposit accounts (membership savings, club savings, certificates or IRAs). Dividends compounded and credited monthly.
Offer: Fixed rate. Compounded and credited monthly. Minimum to earn dividends is $5,000.
Qualified rate · 3.93% interest rate · Effective Aug 28, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Must meet JetStream FCU membership eligibility. Dividends compounded and paid monthly.
Offer: Fixed rate. Dividends compounded and credited monthly. Minimum to earn dividends is $500.
3.93% interest rate · Effective Aug 28, 2026
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
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More details - Velocity Community Credit UnionMemberPLUS CertificateCD · 12 months · $5,000 min
Credit union · 3 branches
4.00%APY$400 over 1 year on $10,000with conditionsRequirements
Product: Requires qualifying for Member PLUS: member in good standing and either direct deposits of $750/month, $10,000 in combined deposits, active loan with Credit Union (including active VISA credit card within last 30 days), or 20+ debit transactions/month. Members age 24 and under do not automatically qualify for bonus CD rate unless meeting criteria. Certificate rates remain fixed for term. Penalty may be imposed for early withdrawal.
Offer: Requires MemberPLUS qualification.
Qualified rate · 3.92% interest rate · Effective Oct 1, 2026
Rate checked
More details - American Airlines Federal Credit UnionRegular Share CertificateCD · 12 months · $1,000 min
Credit union · 6 branches
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 1, 2025
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More details - Broward HealthCare Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · 5 branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Dividends compounded monthly and paid quarterly. Early withdrawal penalties apply.
Offer: Early withdrawal penalties apply.
3.93% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Velocity Community Credit UnionMember CertificateCD · 12 months · $5,000 min
Credit union · 3 branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Certificate rates remain fixed for the term of the certificate. Fees or other conditions could reduce earnings. Penalty may be imposed for early withdrawal.
3.87% interest rate · Effective Oct 1, 2026
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More details - 3.95%APY$395 over 1 year on $10,000intro rate
Requirements
Product: Minimum opening deposit is $1,000; maximum opening deposit is $250,000 per CD. Advertised promotional rates are for accounts opened online. Early withdrawal penalties apply. At maturity, CDs automatically renew into the standard CD term closest in length at the then-current standard rate unless instructions are provided during the 7-day grace period. No account fees.
Offer: Promotional rate for online accounts. Fixed for initial term. Automatically renews into standard rate closest in length at maturity.
Promotional rate · Effective Aug 10, 2026
Rate checked
More details - 3.95%APY$429 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum new money deposit required for CD specials. Pre-payment penalty will apply for early withdrawals.
Offer: For deposits of $1,000 new money and higher. Only for a new 13-month CD (not for a renewing 13-month CD / not a rollover rate).
Promotional rate
Rate checked
More details - Firefighters First Credit UnionRegular Share Certificate AccountsCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 1 branch
3.90%APY$795 over 24 months on $10,000Requirements
Product: Standard share certificate with fixed rates tiered by balance. Minimum opening deposit is $1,000. Compounded and credited monthly. Penalty for early withdrawal.
3.83% interest rate
Rate by balance
Rate by balance for Regular Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.90% $50,000 – $100,000 3.95% $100,000 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 - Dort Financial Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · 4 branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Subject to penalty for early withdrawal. Rates subject to change.
3.84% interest rate
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 1 branch
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
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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 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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