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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 31–45 results in Florida

  1. Top Carrot, Carrot Score 92
    United BankCD SpecialsCD · 18 months · $1,000 min

    Bank · 3 branches

    4.35%APY$660 over 18 months on $10,000
  2. Top Carrot, Carrot Score 97
    Climate First Bank6-Month Penalty-Free CDCD · 6 months · $500 min

    Bank · 4 branches

    4.33%APY$214 over 6 months on $10,000intro rate
  3. Top Carrot, Carrot Score 89
    MASSMUTUALShare CertificateCD · 15 months · $500 min

    Credit union · 1 branch

    4.33%APY$544 over 15 months on $10,000intro rate
  4. Top Carrot, Carrot Score 89
    All In Credit UnionShare CertificatesCD · 18 months · $1,000 min · 4.33%–4.39% by balance

    Credit union · 6 branches

    4.33%APY$656 over 18 months on $10,000
  5. Top Carrot, Carrot Score 89
    Connect Credit UnionCertificatesCD · 21 months · $1,000 min

    Credit union · 3 branches

    4.33%APY$770 over 21 months on $10,000
  6. Newtek BankCertificate of DepositCD · 6 months · $2,500 min

    Bank · 1 branch

    4.30%APY$213 over 6 months on $10,000
  7. Top Carrot, Carrot Score 89
    Flagstar BankCertificates of Deposit (CD)CD · 12 months · $500 min

    Bank · 27 branches

    4.30%APY$430 over 1 year on $10,000intro rate
  8. BCUNew Money CD SpecialsCD · 15 months · $500 min

    Credit union · 2 branches

    4.30%APY$540 over 15 months on $10,000intro rate
  9. Top Carrot, Carrot Score 87
    RadiFi Credit Union17-Month Share Certificate Special (New Money Only)CD · 17 months · $500 min

    Credit union · 8 branches

    4.30%APY$615 over 17 months on $10,000intro rate
  10. Top Carrot, Carrot Score 92
    Champions First Credit UnionPromotional CertificatesCD · 21 months · $10,000 min

    Credit union · 9 branches

    4.30%APY$765 over 21 months on $10,000intro rate
  11. Top Carrot, Carrot Score 91
    Miami Firefighters Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min

    Credit union · 1 branch

    4.30%APY$878 over 24 months on $10,000
  12. Top Carrot, Carrot Score 89
    Gala BankCDsCD · 24 months

    Bank · 2 branches

    4.30%APY$878 over 24 months on $10,000
  13. Top Carrot, Carrot Score 98
    Oxford Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min

    Credit union · 1 branch

    4.30%APY$2,343 over 60 months on $10,000
  14. McCoy Federal Credit UnionShare CertificateCD · 24 months · $1,000 min

    Credit union · 15 branches

    4.28%APY$875 over 24 months on $10,000
  15. AdventHealth Credit UnionCertificate SpecialCD · 4 months · $1,000 min

    Credit union · 2 branches

    4.25%APY$140 over 4 months on $10,000intro rate

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

1,723 CDs at 189 banks and credit unions · checked Oct 15–22

Typical
3.29%
Top 10% from
4.10%
Banks, typical
2.25%
Credit unions, typical
3.40%

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Florida

Top Carrot institutions

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

  1. Innovations Financial Credit UnionCredit union · 9 branches
  2. Oxford Federal Credit UnionCredit union · 1 branch
  3. Climate First BankBank · 4 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate