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 Orlando, FL metro
- 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 - TruGrocer Federal Credit UnionSmall Saver Share CertificateCD · 6 months · $500 min
Credit union · 1 branch
3.45%APY$171 over 6 months on $10,000Requirements
Product: Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $500 with terms up to 60 months.
3.40% interest rate · Compounded monthly
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 - 3.40%APY$254 over 9 months on $10,000
3.35% interest rate
Rate checked
More details - 3.40%APY$254 over 9 months on $10,000intro rate
Requirements
Product: Limited time offer.
Offer: For a limited time only.
Promotional rate
Rate checked
More details - VyStar Credit Union18-Month Step-Up CertificateCD · 18 months · $500 min · 3.40%–3.50% by balance
Credit union · 10 branches
3.40%APY$514 over 18 months on $10,000intro rateRequirements
Product: Offers a one-time option during the 18-month term to adjust the dividend rate to the current published 18-month Step-up certificate dividend rate. Additional deposits allowed with minimum deposit of $2,000 or more.
Offer: One-time option to adjust rate during 18-month term; add-on deposits minimum $2,000.
Promotional rate · 3.34% interest rate · Effective Aug 17, 2026
Rate by balance
Rate by balance for 18-Month Step-Up Certificate Balance APY Up to $50,000Your amount 3.40% $50,000 and up 3.50% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 24-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 - 3.20%APY$991 over 36 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 36-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.05%APY$1,277 over 48 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 48-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - Partners Federal Credit UnionEmergency Fund CertificateCD · 3 months · $100 min · up to $10,000
Credit union · 6 branches
3.00%APY$74 over 3 months on $10,000Requirements
Product: A Primary Share is required to open. Monthly dividends transferred to Primary Share. Limit one Emergency Fund Certificate per Member. Additional deposits allowed up to maximum balance of $10,000. Enjoy one penalty-free withdrawal during the 3-Month term. If balance exceeds $10,000 at maturity, overage is transferred to Primary Share.
Offer: Must maintain balance of at least $100 for the full term. Additional certificate rate add-ons are not allowed.
2.96% interest rate · Effective Sep 18, 2026
Rate checked
More details - BB Americas BankCertificate of Deposit (CD)CD · 6 months · $1,000 min · 3.00%–3.15% by balance
Bank · 1 branch
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
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 Orlando, FL metro
462 CDs at 40 banks and credit unions · checked Oct 6–22
- Typical
- 3.20%
- Top 10% from
- 4.05%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.50%
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Find your bank or credit union to see all its rates and how they compare near you.
Orlando, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Climate First BankBank · 3 branches
- Suncoast Credit UnionCredit union · 4 branches
- Unity of Eatonville FCUCredit union · 1 branch