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 1–5 results in Palatka, FL metro · Few institutions in Palatka, FL metro: choose a wider area in the filters
- Radiant Credit UnionAdjustable Rate CertificatesCD · 24 months · $1,000 min
Credit union · 2 branches
4.20%APY$858 over 24 months on $10,000Requirements
Product: Adjustable-Rate Certificate Annual Percentage Yield (APY) changes bi-annually on January 1st and July 1st. Compounded daily. Funds insured up to $250,000 by NCUA.
Offer: APY is based on $10,000. APY changes bi-annually on January 1st and July 1st and is adjusted to the 6-month Treasury Bill Rate plus 0.10% APR. Compounded daily.
4.11% interest rate · Compounded daily
Rate checked
More details - 4.08%APY$202 over 6 months on $10,000
Requirements
Product: Dividends compounded daily. Funds in certificates are insured up to $250,000 by the NCUA.
Offer: APY is based on $10,000; your APY may vary slightly. Compounded daily.
4.00% interest rate · Compounded daily
Rate checked
More details - VyStar Credit UnionPersonal CDCD · 30 months · $500 min · 4.05%–4.15% by balance
Credit union · 2 branches
4.05%APY$1,043 over 30 months on $10,000Requirements
Product: Dividends are compounded monthly and credited monthly. Daily balance method is used. Penalty applies for early principal withdrawals.
3.97% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate by balance
Rate by balance for Personal CD Balance APY Up to $50,000Your amount 4.05% $50,000 and up 4.15% Rate checked
More details - VyStar Credit Union18-Month Step-Up CertificateCD · 18 months · $500 min · 3.40%–3.50% by balance
Credit union · 2 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$164 over 6 months on $10,000
Requirements
Product: Minimum deposit to open is $1,000. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
3.25% interest rate
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 Palatka, FL metro
29 CDs at 3 banks and credit unions · checked Oct 5–15
- Typical
- 3.40%
- Top 10% from
- 4.06%
- Banks, typical
- 3.05%
- Credit unions, typical
- 3.66%
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Palatka, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Radiant Credit UnionCredit union · 2 branches