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 136–150 results in Florida
- 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies. Automatic rollover at maturity with a 10-day grace period.
Offer: Limited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period.
Promotional rate · 3.78% interest rate · Effective Apr 29, 2026
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 10 branches
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - 3.82%APY$126 over 4 months on $10,000
3.75% interest rate · Effective Jan 14, 2025
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Rates are effective as of October 1, 2026. $1,000.00 minimum required to open. Fixed dividend rate for the term. Penalty imposed for early withdrawal. Dividends compounded monthly and credited monthly.
Offer: Fixed dividend rate for the term. Early withdrawal penalty applies.
3.75% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 3.82%APY$1,190 over 36 months on $10,000
Requirements
Product: Early withdrawals subject to penalty. No setup or monthly service charges.
Offer: A penalty may be imposed for early withdrawal.
3.75% interest rate · Effective Aug 26, 2026
Rate checked
More details - Addition Financial Credit UnionTerm Share CertificateCD · 60 months · $1,000 min
Credit union · 33 branches
3.82%APY$2,062 over 60 months on $10,000Requirements
Product: Dividends credited and compounded monthly. No monthly maintenance fee. Penalties may be imposed for early withdrawal. Certificates automatically renew at maturity for the same term as the original term.
3.75% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - Miami Federal Credit UnionShare Jumbo CertificatesCD · 6 months · $10,000 min
Credit union · 5 branches
3.80%APY$188 over 6 months on $10,000Requirements
Product: $10,000 minimum deposit applies to Share Jumbo Certificates. New Shares Certificate opened with at least $5,000 from another source (new money) will receive an additional 0.50% rate above published rates. Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.
3.75% interest rate · Effective Dec 9, 2025
Rate checked
More details - 3.80%APY$94 over 3 months on $10,000intro rate
Requirements
Product: Must be new money to Ocean Bank (funds not currently on deposit at Ocean Bank). Maintain a minimum balance of your initial CD deposit amount in the account each day to obtain the disclosed APY.
Offer: Must be new money to Ocean Bank. Maintain initial CD deposit amount each day to obtain APY.
Promotional rate · 3.75% interest rate · Effective Oct 6, 2025
Rate checked
More details - 3.80%APY$252 over 8 months on $10,000with conditions
Requirements
Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.
Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.
Qualified rate · Compounded daily · Effective Sep 24, 2026
Rate checked
More details - Arlington Community Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 1 branch
3.80%APY$380 over 1 year on $10,000with conditionsRequirements
Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Fees may reduce earnings. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher for members maintaining total combined monthly household average balances of $50,000+.
Offer: Platinum APY with Relationship Rewards (combined monthly household average balances $50,000+)
Qualified rate · Effective Apr 17, 2026
Rate checked
More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: CD terms 36, 48 & 60 months offer a one-time setup. Automatic renewal or transfer to share at maturity. Dividend rates are compounded and credited monthly. Closing the certificate or withdrawing funds prior to maturity will result in a loss of earnings and/or penalties.
3.74% interest rate · Effective Jul 1, 2026
Rate checked
More details - 3.75%APY$92 over 3 months on $10,000
Requirements
Product: Interest compounded daily, credited monthly. CDs less than 24 months penalty: 6 months interest; CDs 24 months or greater penalty: 12 months interest. Automatically renews at maturity.
3.68% interest rate · Compounded daily · Effective Oct 6, 2026
Rate checked
More details - 3.75%APY$123 over 4 months on $10,000intro rate
Requirements
Product: ConnectOne Bank opens CDs as Time Deposits. IRA Time Deposits are not available online. Promotional rates subject to change without notice. Early withdrawal penalties may be imposed.
Offer: 4 Month Penalty-Free CD. No early withdrawal penalties imposed unless funds are withdrawn within 7 days of account opening (forfeits earned interest). Promotional rate.
Promotional rate · 3.68% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% 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 Florida
1,742 CDs at 190 banks and credit unions · checked Oct 16–23
- Typical
- 3.30%
- Top 10% from
- 4.10%
- Banks, typical
- 2.28%
- Credit unions, typical
- 3.40%
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Find your bank or credit union to see all its rates and how they compare near you.
Florida
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 9 branches
- Climate First BankBank · 4 branches
- Oxford Federal Credit UnionCredit union · 1 branch