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 226–240 results in Florida
- RadiFi Credit Union60-Month Term CertificateCD · 60 months · $500 min · 3.35%–3.80% by balance
Credit union · 8 branches
3.35%APY$1,791 over 60 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.
3.30% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 60-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 3.50% $100,000 – $250,000 3.55% $250,000 – $500,000 3.70% $500,000 – $750,000 3.70% $750,000 – $1,000,000 3.80% $1,000,000 and up 3.80% Rate checked
More details - 3.31%APY$501 over 18 months on $10,000with conditions
Requirements
Product: Rate includes a 0.10% (10 basis points) Justice National Account (JNA) or Beyond the Badge Checking Account relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. Accounts must be under the same Member Number. Relationship rate will be reduced to original dividend rate for remainder of term if checking account is closed. Penalty for early withdrawal: 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms of 13 months or more.
Offer: Relationship rate includes 0.10% boost.
Qualified rate · 3.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - RadiFi Credit Union6-Month Term CertificateCD · 6 months · $500 min · 3.30%–3.70% by balance
Credit union · 8 branches
3.30%APY$164 over 6 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.
3.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 6-Month Term Certificate Balance APY $500 – $2,500 3.30% $2,500 – $25,000Your amount 3.30% $25,000 – $50,000 3.30% $50,000 – $100,000 3.40% $100,000 – $250,000 3.50% $250,000 – $500,000 3.55% $500,000 – $750,000 3.60% $750,000 – $1,000,000 3.65% $1,000,000 and up 3.70% 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 - 3.30%APY$191 over 7 months on $10,000with conditions
Requirements
Product: All funds including dividends may be withdrawn without penalty after the first 6 days following the funding date. Minimum deposit is $500.
Offer: Rewards APY requires two qualifying relationships.
Qualified rate · 3.25% interest rate
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 - 3.29%APY$1,757 over 60 months on $10,000
Requirements
Product: Dividends are fixed for the term, paid quarterly, and determined monthly. Minimum deposit is $500.00. Early withdrawal penalties apply.
Effective Oct 5, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
Requirements
Product: Minimum $5.00 Share required in order to open certificate accounts. Members age 55 and older receive an additional 0.05% in APY. Penalties may be imposed for early withdrawal. Dividends payable monthly.
Offer: Members age 55 and older receive an additional 0.05% in APY.
3.20% interest rate
Rate checked
More details - Guardians Credit UnionPromotional Share CertificateCD · 6 months · $10,000 min
Credit union · 6 branches
3.25%APY$161 over 6 months on $10,000intro rateRequirements
Product: Promotional rates are available for a limited time and offer may be withdrawn without notice. Early withdrawal penalty is 90 days interest. Fees may reduce earnings. After account is opened and initial deposit is made, no additional deposits allowed. At maturity, certificate automatically renews into a regular 6, 9, or 12-month certificate at prevailing rate. Interest compounded monthly.
Offer: Limited-time promotional rate. Interest compounded monthly.
Promotional rate · 3.25% interest rate · Compounded monthly
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal (excludes 6-Month CD). Minimum opening deposit of $1,000.
Offer: No early withdrawal penalty.
3.22% interest rate · Effective Sep 4, 2026
Rate checked
More details - 3.25%APY$188 over 7 months on $10,000
Requirements
Product: Early withdrawal penalty may be assessed for early maturity and varies based on term.
3.20% interest rate · Effective Jan 28, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
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.
Offer: Early withdrawal penalty is 90 days' dividends.
3.20% interest rate · Effective Oct 1, 2026
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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 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
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%
Is your bank paying you enough?
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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