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 121–135 results in Miami, FL metro
- 0.65%APY$196 over 36 months on $10,000
Requirements
Product: Fixed rate locked in for the full term. Flexible dividend options (compound or receive monthly). Early withdrawal penalties may apply. Fees may reduce earnings. $1,000 minimum deposit to open.
Offer: Interest compounded monthly. Rates and yields depend upon relationship tier.
0.65% interest rate · Compounded monthly
Rate checked
More details - 0.50%APY$253 over 60 months on $10,000
Requirements
Product: Minimum opening deposit of $1,000. Interest is compounded monthly. Subject to early withdrawal penalty.
Offer: Term: 60 months. Monthly compounding.
0.50% interest rate · Compounded monthly
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.30%APY$60 over 24 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.30% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.30%APY$60 over 24 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.30% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.30%APY$90 over 36 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.30% interest rate · Effective Sep 24, 2026
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More details - OneUnited BankUNITY Gold One Year E-CDCD · 12 months · $500 min · 0.25%–0.30% by balance
Bank · 1 branch
0.25%APY$25 over 1 year on $10,000Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.25% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for UNITY Gold One Year E-CD Balance APY $500 – $250,000Your amount 0.25% $250,000 and up 0.30% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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More details - 0.10%APY$2 over 3 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.10%APY$3 over 4 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. Interest compounded annually on CDs over one year. Automatic renewal.
Offer: Penalty for early withdrawal.
Compounded annually · Effective Apr 1, 2024
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More details - 0.10%APY$25 over 30 months on $10,000intro rate
Requirements
Offer: Months 21-30
Promotional rate · 0.15% interest rate · Effective Oct 22, 2026
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More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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