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 301–315 results in Florida
- 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
Requirements
Product: Simple interest may be paid by check or transferred to another account. Early withdrawal penalty may be imposed, reducing earnings/APY. Interest rates subject to change at any time. Compounding is monthly.
Offer: Term is 60 Months. Monthly compounding.
0.40% interest rate
Rate checked
More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.30%APY$60 over 24 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.30% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.30%APY$60 over 24 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.30% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.30%APY$90 over 36 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.30% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.30%APY$151 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawal. Fees may reduce earnings on the account.
Offer: Penalty for early withdrawal. Fees may reduce earnings.
0.30% interest rate
Rate checked
More details - OneUnited BankUNITY Gold One Year E-CDCD · 12 months · $500 min · 0.25%–0.30% by balance
Bank · 1 branch
0.25%APY$25 over 1 year on $10,000Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.25% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for UNITY Gold One Year E-CD Balance APY $500 – $250,000Your amount 0.25% $250,000 and up 0.30% Rate checked
More details - Florida Customs Federal Credit UnionShare CertificatesCD · 18 months · $500 min
Credit union · 1 branch
0.25%APY$38 over 18 months on $10,000Effective Mar 1, 2021
Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.10%APY$2 over 3 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.10%APY$3 over 4 months on $10,000
Requirements
Product: Interest on CDs is simple interest, credited at the end of the term or annually if the term is greater than one year. A penalty may be imposed for early withdrawals and fees may reduce earnings.
0.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Maturity terms from 1-60 months. Interest compounded annually on CDs over one year. Automatic renewal. Penalty for early withdrawal. $1,000 minimum opening deposit.
Compounded annually · Effective Apr 1, 2024
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More details - 0.10%APY$25 over 30 months on $10,000intro rate
Requirements
Offer: Months 21-30
Promotional rate · 0.15% interest rate · Effective Oct 22, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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