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 76–90 results in Miami, FL metro
- JM Associates FCUTerm Share CertificateCD · 12 months · $1,000 min · 3.66%–3.71% by balance
Credit union · 1 branch
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 - 3.65%APY$181 over 6 months on $10,000
Requirements
Product: Fixed interest rate savings account agreed to leave on deposit for the selected term until maturity. If withdrawn before maturity, a penalty or loss of interest may apply.
3.59% interest rate · Effective Jun 30, 2026
Rate checked
More details - Dort Financial Credit UnionAMP Certificate of DepositCD · 49–60 months · $100 min
Credit union · 4 branches
3.65%APYRequirements
Offer: Term: 49 months to 60 months.
Rate checked
More details - Popular BankPopular Private Client Certificate of DepositCD · 6 months · $1,000 min · 3.60%–3.80% by balance
Bank · 12 branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: Exclusive to Popular Private Client customers. Minimum deposit of $1,000 required to open. Early withdrawal penalty applies. Daily compound interest credited monthly, quarterly, semi-annually, annually, or at maturity.
Offer: Must visit a branch location to open a 6-month CD.
3.54% interest rate · Effective May 26, 2026
Rate by balance
Rate by balance for Popular Private Client Certificate of Deposit Balance APY $1,000 – $25,000Your amount 3.60% $25,000 – $100,000 3.65% $100,000 – $250,000 3.70% $250,000 – $1,000,000 3.75% $1,000,000 and up 3.80% 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 - 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$1,906 over 60 months on $10,000
Requirements
Product: For members wishing to earn even higher dividends. Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
Offer: Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
3.49% interest rate · Compounded daily · Effective Jul 1, 2026
Rate checked
More details - 3.55%APY$176 over 6 months on $10,000
Requirements
Product: $200 minimum deposit applies to all Share Certificates. New Shares Certificate opened with at least $5,000 from another source (new money) will receive an additional 0.50% rate above published rates. Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.
3.50% interest rate · Effective Dec 9, 2025
Rate checked
More details - 3.53%APY$175 over 6 months on $10,000intro rate
Requirements
Product: Must be new money to Ocean Bank (funds not currently on deposit at Ocean Bank). Initial CD deposit amount is required to be maintained each day to earn the APY disclosed. Offer does not apply to IRA CDs. Early withdrawal penalty applies.
Offer: Must be new money to Ocean Bank. Maintain initial CD deposit amount each day to obtain APY.
Promotional rate · 3.50% interest rate · Effective Oct 6, 2025
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 - Pompano Beach City Employee CUShare Certificate AccountsCD · 36 months · $500 min
Credit union · 1 branch
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Dividends are calculated on the average balance method. No dividend is applied to any account that is closed prior to the posting date. Dividends are paid from available earnings. You have the option of rolling the interest you earn back into the certificate, having it transferred to your checking account, or withdrawing it as a check. CD Dividends: Paid at maturity for terms of 12 months or less; paid quarterly for terms over 12 months.
3.46% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Product: Rates and yields are subject to change without notice. Some accounts require a specific minimum balance to earn the stated APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. No broker or institutional deposits will be accepted.
Offer: Minimum Balance to Earn Stated APY. The minimum daily balance requirement must be met each day of the statement cycle. If the balance falls below the required minimum amount on any day, a monthly maintenance fee may be assessed.
3.45% interest rate · Effective Oct 6, 2026
Rate checked
More details - Educational Federal Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · 9 branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Withdrawals from certificates may be subject to an early withdrawal penalty. Minimum deposit of $1,000 to open. No monthly or annual service fees.
Offer: Dividends compounded daily and credited monthly. Withdrawals may be subject to an early withdrawal penalty.
3.44% interest rate · Compounded daily · Effective Jul 1, 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
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?
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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