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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.

Term
Location

Top CD rates

Showing 1–15 results in Palm Bay, FL metro

  1. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 11 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  2. Top Carrot, Carrot Score 88
    Space Coast Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min

    Credit union · 22 branches

    4.25%APY$425 over 1 year on $10,000
  3. PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance

    Bank · 9 branches

    4.25%APY$461 over 13 months on $10,000intro rate
  4. Valley6-Month CD PromotionCD · 6 months · $500 min

    Bank · 2 branches

    4.10%APY$203 over 6 months on $10,000intro rate
  5. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance

    Credit union · 1 branch

    4.10%APY$621 over 18 months on $10,000
  6. VyStar Credit UnionPersonal CDCD · 30 months · $500 min · 4.05%–4.15% by balance

    Credit union · 3 branches

    4.05%APY$1,043 over 30 months on $10,000
  7. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionEasyStart CertificateCD · 12 months · $50 min

    Credit union · 1 branch

    4.00%APY$400 over 1 year on $10,000
  8. Northrop Grumman Federal Credit UnionCertificatesCD · 24 months · $2,500 min

    Credit union · 2 branches

    3.97%APY$810 over 24 months on $10,000
  9. Addition Financial Credit UnionTerm Share CertificateCD · 60 months · $1,000 min

    Credit union · 1 branch

    3.82%APY$2,062 over 60 months on $10,000
  10. United Community BankCertificates of DepositCD · 8 months · $2,500 min

    Bank · 1 branch

    3.80%APY$252 over 8 months on $10,000with conditions
  11. Top Carrot, Carrot Score 87
    Community Credit Union of FloridaCertificate of Deposit (CD)CD · 6 months · $1,000 min

    Credit union · 8 branches

    3.75%APY$186 over 6 months on $10,000
  12. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 9 branches

    3.75%APY$217 over 7 months on $10,000
  13. Seacoast BankSeacoast CDCD · 12 months · $1,000 min

    Bank · 2 branches

    3.75%APY$375 over 1 year on $10,000intro rate
  14. Addition Financial Credit UnionBump-up certificateCD · 39 months · $1,000 min

    Credit union · 1 branch

    3.71%APY$1,257 over 39 months on $10,000
  15. Valley3-Month Certificate of DepositCD · 3 months · $500 min

    Bank · 2 branches

    3.55%APY$88 over 3 months on $10,000

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 Palm Bay, FL metro

203 CDs at 14 banks and credit unions · checked Oct 5–22

Typical
2.25%
Top 10% from
3.89%
Banks, typical
0.50%
Credit unions, typical
3.66%

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Palm Bay, FL metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Navy Federal Credit UnionCredit union · 1 branch
  2. Space Coast Credit UnionCredit union · 22 branches
  3. Community Credit Union of FloridaCredit union · 8 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate