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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 91–105 results in Florida

  1. Colony BankCertificates of DepositCD · 11 months · $500 min

    Bank · 2 branches

    4.05%APY$371 over 11 months on $10,000intro rate
  2. Community First Credit Union of FloridaCertificates of DepositCD · 13 months · $500 min · 4.05%–4.15% by balance

    Credit union · 27 branches

    4.05%APY$439 over 13 months on $10,000intro rate
  3. VyStar Credit UnionPersonal CDCD · 30 months · $500 min · 4.05%–4.15% by balance

    Credit union · 90 branches

    4.05%APY$1,043 over 30 months on $10,000
  4. Top Carrot, Carrot Score 91
    American Pride BankPersonal Certificates of DepositCD · 24 months · $500 min

    Bank · 1 branch

    4.04%APY$824 over 24 months on $10,000intro rate
  5. First Citizens BankOnline Promotional CDCD · 5 months · $5,000 min

    Bank · 27 branches

    4.00%APY$165 over 5 months on $10,000intro rate
  6. Top Carrot, Carrot Score 90
    Family First Credit UnionSave to Win CDCD · 6 months · $500 min

    Credit union · 1 branch

    4.00%APY$198 over 6 months on $10,000
  7. JetStream FCUGolden Eagle CertificatesCD · 6 months · $5,000 min

    Credit union · 5 branches

    4.00%APY$198 over 6 months on $10,000with conditions
  8. JetStream FCUCertificatesCD · 6 months · $500 min

    Credit union · 5 branches

    4.00%APY$198 over 6 months on $10,000
  9. Top Carrot, Carrot Score 99
    Innovations Financial Credit UnionCompounding Share CertificatesCD · 8 months · $1,000 min

    Credit union · 9 branches

    4.00%APY$265 over 8 months on $10,000
  10. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionEasyStart CertificateCD · 12 months · $50 min

    Credit union · 35 branches

    4.00%APY$400 over 1 year on $10,000
  11. Top Carrot, Carrot Score 88
    Partners Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min

    Credit union · 6 branches

    4.00%APY$400 over 1 year on $10,000
  12. Top Carrot, Carrot Score 87
    Gallup FCUNew Money CDCD · 12 months · $5,000 min

    Credit union · 1 branch

    4.00%APY$400 over 1 year on $10,000intro rate
  13. Velocity Community Credit UnionMemberPLUS CertificateCD · 12 months · $5,000 min

    Credit union · 3 branches

    4.00%APY$400 over 1 year on $10,000with conditions
  14. Pinellas Federal Credit UnionCertificate AccountsCD · 12 months · $500 min

    Credit union · 3 branches

    4.00%APY$400 over 1 year on $10,000
  15. Top Carrot, Carrot Score 94
    American Airlines Federal Credit UnionRegular Share CertificateCD · 12 months · $1,000 min

    Credit union · 6 branches

    4.00%APY$400 over 1 year on $10,000

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