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 211–225 results in Florida
- 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 - Achieva Credit Union36 month CD "Bump Up" SpecialCD · 36 months · $500 min · 3.45%–3.55% by balance
Credit union · 28 branches
3.45%APY$1,071 over 36 months on $10,000intro rateRequirements
Product: 36 month Bump Up Special. Contains a special rate bump-up feature which allows you to increase the rate to the currently offered 36-month non-promotional rate up to two times prior to maturity should the Credit Union increase the rate offered on its 36-month CD product. This special rate bump-up feature is only applicable during the 36-month term of the promotional CD and will not apply after maturity, even when account proceeds roll into another Credit Union CD unless otherwise disclosed at renewal.
Promotional rate · 3.40% interest rate
Rate by balance
Rate by balance for 36 month CD "Bump Up" Special Balance APY $500 and upYour amount 3.45% $25,000 and up 3.50% $100,000 and up 3.55% Rate checked
More details - Alive Credit UnionCertificates of Deposit - Pulse CertificateCD · 24 months · $100 min
Credit union · 9 branches
3.44%APY$700 over 24 months on $10,000Requirements
Product: Open with as little as $100. Make unlimited deposits throughout the term. Certificate automatically renews at rate available at that time. Penalty for early withdrawal.
Offer: Dividends paid monthly. Minimum $100 opening deposit. Unlimited add-on deposits allowed until maturity with no maximum. Automatically renews at rate available at that time. Penalty for early withdrawal.
3.39% interest rate
Rate checked
More details - Ocala Community Credit UnionCertificate of Deposits (CDs)CD · 6 months · $500 min
Credit union · 1 branch
3.40%APY$169 over 6 months on $10,000Requirements
Product: CDs accrue daily and are paid quarterly. Substantial penalty for early withdrawal. Available through OcalaCCU App.
3.34% interest rate · Effective Sep 1, 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 · 90 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 - RadiFi Credit Union24-Month Term CertificateCD · 24 months · $500 min · 3.40%–3.85% by balance
Credit union · 8 branches
3.40%APY$692 over 24 months on $10,000Requirements
Product: APY is effective as of 10/1/2026. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
3.35% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 24-Month Term Certificate Balance APY $500 – $2,500 3.40% $2,500 – $25,000Your amount 3.40% $25,000 – $50,000 3.40% $50,000 – $100,000 3.50% $100,000 – $250,000 3.50% $250,000 – $500,000 3.55% $500,000 – $750,000 3.80% $750,000 – $1,000,000 3.85% $1,000,000 and up 3.85% Rate checked
More details - 3.40%APY$692 over 24 months on $10,000
Requirements
Product: Interest accrues daily and credited in accordance with product statement cycle. Early withdrawal penalties apply. Fees may reduce earnings.
3.36% interest rate · Effective Sep 17, 2026
Rate checked
More details - Baptist Health South Florida FCUShare CertificatesCD · 60 months · $500 min · 3.40%–3.60% by balance
Credit union · 6 branches
3.40%APY$1,820 over 60 months on $10,000Requirements
Product: Dividends are paid monthly. APY assumes interest remains until maturity. Early withdrawal penalty applies and may reduce earnings. Rates are subject to change anytime without notice. Membership required.
3.35% interest rate · Effective Feb 23, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $24,999Your amount 3.40% $25,000 – $49,999 3.50% $50,000 and up 3.60% Rate checked
More details - 3.40%APY$1,820 over 60 months on $10,000
Requirements
Product: Rates fixed for term. Compounded monthly. Daily balance method to calculate minimum balance to obtain APY. Fees may reduce earnings. Membership subject to eligibility.
Offer: Compounded monthly. Daily balance method.
3.35% interest rate · Compounded monthly · Effective Jan 29, 2026
Rate checked
More details - 3.35%APY$507 over 18 months on $10,000intro rate
Requirements
Product: Customer may initiate a one-time APY increase during the 18-month term if the rate for the standard 18 month certificate is higher than the initial rate. Interest compounded daily and credited monthly. Rollover into standard 18-month certificate at maturity.
Offer: Limited time offer. Minimum balance to earn interest is $1,000. One-time customer-initiated APY increase during the certificate term if standard 18-month CD rate is higher.
Promotional rate · 3.29% interest rate · Compounded daily · Effective Oct 6, 2026
Rate checked
More details - RadiFi Credit Union36-Month Term CertificateCD · 36 months · $500 min · 3.35%–3.55% by balance
Credit union · 8 branches
3.35%APY$1,039 over 36 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
3.30% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 36-Month Term Certificate Balance APY $500 – $2,500 3.35% $2,500 – $25,000Your amount 3.35% $25,000 – $50,000 3.35% $50,000 – $100,000 3.40% $100,000 – $250,000 3.45% $250,000 – $500,000 3.45% $500,000 – $750,000 3.45% $750,000 – $1,000,000 3.55% $1,000,000 and up 3.55% Rate checked
More details - Metro Federal Credit UnionRegular Share CertificatesCD · 48 months · $1,000 min · 3.35%–4.02% by balance
Credit union · 1 branch
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Available to METRO Federal Credit Union members only. Institutional deposits are not eligible. Dividends begin to accrue on the first business day funds are deposited and are compounded and credited monthly. Early withdrawals may be subject to a penalty. 7-day grace period on maturity.
Rate by balance
Rate by balance for Regular Share Certificates Balance APY $1,000 – $24,999Your amount 3.35% $25,000 – $99,999 3.71% $100,000 and up 4.02% Rate checked
More details - RadiFi Credit Union48-Month Term CertificateCD · 48 months · $500 min · 3.35%–3.85% by balance
Credit union · 8 branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
3.30% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 48-Month Term Certificate Balance APY $500 – $2,500 3.35% $2,500 – $25,000Your amount 3.35% $25,000 – $50,000 3.35% $50,000 – $100,000 3.45% $100,000 – $250,000 3.50% $250,000 – $500,000 3.55% $500,000 – $750,000 3.75% $750,000 – $1,000,000 3.85% $1,000,000 and up 3.85% 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