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 106–120 results in Miami, FL metro
- American Airlines Federal Credit UnionDream Plan Share CertificateCD · 60 months · $25 min
Credit union · 6 branches
3.04%APY$1,615 over 60 months on $10,000Requirements
Product: Maximum balance of $50,000. Requires a minimum $25.00 monthly recurring automatic deposit to remain open. Maximum of one Dream Plan Share Certificate per account. No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union.
Offer: Minimum $25.00 monthly recurring automatic deposit required; maximum balance $50,000.
3.00% interest rate · Balance cap $50,000 · Effective Oct 1, 2024
Rate checked
More details - BB Americas BankCertificate of Deposit (CD)CD · 6 months · $1,000 min · 3.00%–3.15% by balance
Bank · 3 branches
3.00%APY$149 over 6 months on $10,000Requirements
Product: Available for U.S. Citizens or Permanent Residents. Minimum opening deposit $1,000. No monthly maintenance fee. Choose from 6-month to 5-year terms at a branch, or 1 to 5-year terms online. Early withdrawal penalty applies and will reduce earnings. Automatic renewal at maturity with a 10-calendar day grace period.
2.96% interest rate · Effective Dec 17, 2025
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY Up to $100,000Your amount 3.00% $100,000 and up 3.15% Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Minimum deposit and balance of $500 required to obtain APY. Early withdrawal penalty may be imposed. Automatically renews at maturity.
Offer: Minimum deposit and balance of $500 required to obtain APY. Early withdrawal penalty may apply. Auto-renews at maturity.
2.96% interest rate · Effective Jun 9, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
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More details - NBH BankFixed Rate 15 Month Time Deposit (Online Account Opening)CD · 15 months · $500 min
Bank · 1 branch
2.76%APY$346 over 15 months on $10,000Requirements
Product: Online Account Opening schedule for 15 Month Certificate of Deposit Time Account.
Offer: Must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Interest compounded annually and credited annually and at maturity.
2.75% interest rate · Compounded annually
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More details - 2.55%APY$255 over 1 year on $10,000
Requirements
Product: e-CD account opened online. Fixed interest for term of CD. Early withdrawal penalty applies and automatic renewal at maturity.
2.52% interest rate · Effective Dec 17, 2025
Rate by balance
Rate by balance for e-CD Balance APY Up to $100,000Your amount 2.55% $100,000 and up 3.05% Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - 2.50%APY$250 over 1 year on $10,000
Requirements
Product: Dividends are paid quarterly and calculated on average monthly balance. Rates are subject to change at any time without notice. Early withdrawals subject to penalty. Renews automatically upon maturity. No setup or maintenance fees.
2.47% interest rate · Effective Oct 5, 2026
Rate checked
More details - 1.99%APY$199 over 1 year on $10,000
Requirements
Product: A Lucky Savers Account is a 12 month Building Share Certificate for PAFCU Members 18 years and older. Fixed rate certificate.
1.97% interest rate · Effective Oct 10, 2026
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More details - People's Alliance Federal Credit UnionBuilding Share Certificate AccountCD · 12 months
Credit union · 1 branch
1.99%APY$199 over 1 year on $10,000Requirements
Product: Fixed rate. Dividends compounded and credited monthly. Penalty of 30 days' dividends for early withdrawal of funds before maturity. Renews automatically at maturity with a 7 calendar day grace period.
1.97% interest rate · Effective Sep 26, 2026
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More details - People's Alliance Federal Credit UnionEducation Share CertificateCD · 12 months
Credit union · 1 branch
1.99%APY$199 over 1 year on $10,000Requirements
Product: Fixed rate certificate.
1.97% interest rate · Effective Sep 26, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 158 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.50%APY$100 over 8 months on $10,000
Requirements
Product: Lock in a fixed interest rate from account opening through maturity. Available online for personal deposit account opening to U.S. citizens age 18 and above who reside in the United States. Maintain a minimum balance of initial CD deposit amount each day to obtain APY.
Offer: Maintain initial CD deposit amount in account each day to obtain APY.
1.50% interest rate · Effective Oct 6, 2025
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More details - 1.50%APY$302 over 24 months on $10,000
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More details - Gold Coast Federal Credit UnionShare Certificate AccountsCD · 60 months · $1,000 min
Credit union · 3 branches
0.70%APY$355 over 60 months on $10,000Requirements
Offer: Dividend Frequency: Monthly; Early Withdrawal Penalty: Yes
0.70% interest rate · Effective Jan 1, 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