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 121–135 results in Florida
- 3.95%APY$429 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum new money deposit required for CD specials. Pre-payment penalty will apply for early withdrawals.
Offer: For deposits of $1,000 new money and higher. Only for a new 13-month CD (not for a renewing 13-month CD / not a rollover rate).
Promotional rate
Rate checked
More details - FiCare Federal Credit UnionShare CertificatesCD · 24 months · $500 min · 3.95%–4.15% by balance
Credit union · 5 branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Early withdrawal penalties may apply. FiCare offers rate matching with local competitor financial institutions subject to matching terms and requirements.
3.88% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 – $49,999Your amount 3.95% $50,000 – $99,999 4.05% $100,000 and up 4.15% Rate checked
More details - 3.94%APY$195 over 6 months on $10,000
Requirements
Offer: Interest paid at maturity. Ability to fund throughout the term of the CD. No penalty may be imposed for early withdrawal.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.94%APY$195 over 6 months on $10,000
Requirements
Product: Expected Profit Rate and Expected Annual % Yield. See Disclosure of Account Terms for Truth in Savings provided at account opening.
Offer: Ability to fund throughout the term of the CD. No discount may be applied for early withdrawal. Profit paid at maturity.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Innovations Financial Credit UnionNon-Compounding Share CertificatesCD · 8 months · $1,000 min
Credit union · 9 branches
3.93%APY$260 over 8 months on $10,000Requirements
Product: Rates shown for Share Certificate accounts are accurate as of 10/15/2026. Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - RadiFi Credit Union13-Month Share Certificate SpecialCD · 13 months · $2,500 min · 3.90%–4.00% by balance
Credit union · 8 branches
3.90%APY$423 over 13 months on $10,000Requirements
Product: APY is effective as of 10/1/2026. Fixed rate for the full 13-month term. Dividends credited monthly. Early withdrawal penalties may apply. The minimum balance to open and earn APY is the lowest amount in each tier.
Offer: Dividends credited monthly.
3.83% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 13-Month Share Certificate Special Balance APY $2,500 – $25,000Your amount 3.90% $25,000 – $50,000 3.90% $50,000 – $100,000 4.00% $100,000 – $250,000 4.00% $250,000 – $500,000 4.00% $500,000 – $750,000 4.00% $750,000 – $1,000,000 4.00% $1,000,000 and up 4.00% Rate checked
More details - Firefighters First Credit UnionRegular Share Certificate AccountsCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 1 branch
3.90%APY$795 over 24 months on $10,000Requirements
Product: Standard share certificate with fixed rates tiered by balance. Minimum opening deposit is $1,000. Compounded and credited monthly. Penalty for early withdrawal.
3.83% interest rate
Rate by balance
Rate by balance for Regular Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.90% $50,000 – $100,000 3.95% $100,000 and up 4.00% Rate checked
More details - 3.90%APY$1,216 over 36 months on $10,000intro rate
Requirements
Product: Membership eligibility required ($5.00 minimum deposit to Savings Prime Share Account to join). Funds federally insured up to $250,000 by NCUA.
Offer: Fixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity.
Promotional rate · 3.83% interest rate · Effective Aug 1, 2026
Rate checked
More details - Dort Financial Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · 4 branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Subject to penalty for early withdrawal. Rates subject to change.
3.84% interest rate
Rate checked
More details - 3.85%APY$223 over 7 months on $10,000intro rate
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. Automatic rollover at maturity with a 10-day grace period.
Offer: Limited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period.
Promotional rate · 3.78% interest rate · Effective Apr 29, 2026
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 10 branches
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - 3.82%APY$126 over 4 months on $10,000
3.75% interest rate · Effective Jan 14, 2025
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Rates are effective as of October 1, 2026. $1,000.00 minimum required to open. Fixed dividend rate for the term. Penalty imposed for early withdrawal. Dividends compounded monthly and credited monthly.
Offer: Fixed dividend rate for the term. Early withdrawal penalty applies.
3.75% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 3.82%APY$1,190 over 36 months on $10,000
Requirements
Product: Early withdrawals subject to penalty. No setup or monthly service charges.
Offer: A penalty may be imposed for early withdrawal.
3.75% interest rate · Effective Aug 26, 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
1,723 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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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
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 4 branches