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 1–15 results in Deltona, FL metro
- 4.50%APY$722 over 19 months on $10,000intro rate
Requirements
Product: Minimum deposit to open varies per certificate with a maximum of $5,000,000. Early withdrawal penalties apply. Dividends compounded and credited quarterly. Membership eligibility required.
Offer: Special certificate; early withdrawal penalty is 195 days of interest. Specials can be discontinued at any time and convert to normal product at expiration. Dividends compounded quarterly and credited quarterly.
Promotional rate · 4.43% interest rate · Compounded quarterly · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - Space Coast Credit UnionCertificates of Deposit (CDs)CD · 12 months · $500 min
Credit union · 12 branches
4.25%APY$425 over 1 year on $10,000Requirements
Product: Space Coast Credit Union membership is open to relatives of current members and all who work or live in eligible Florida counties. Minimum deposit required is $500. Monthly Service Fee is None.
4.18% interest rate · Effective Sep 21, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 11 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
4.10% interest rate · Effective Oct 1, 2026
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More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: Fixed rate share account. Early withdrawal penalties: 90 days of interest on terms of 12 months or less; 180 days of interest on terms greater than 12 months.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - VyStar Credit UnionPersonal CDCD · 30 months · $500 min · 4.05%–4.15% by balance
Credit union · 8 branches
4.05%APY$1,043 over 30 months on $10,000Requirements
Product: Dividends are compounded monthly and credited monthly. Daily balance method is used. Penalty applies for early principal withdrawals.
3.97% interest rate · Compounded monthly · Effective Aug 17, 2026
Rate by balance
Rate by balance for Personal CD Balance APY Up to $50,000Your amount 4.05% $50,000 and up 4.15% Rate checked
More details - Financial Educators Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · 1 branch
4.00%APY$816 over 24 months on $10,000Requirements
Product: A $1,000 minimum balance is required. Early withdrawal prior to maturity incurs a penalty of 6 months loss of interest (earned or not). Anchors Away accounts eligible for an additional 0.25%.
Offer: "Anchors Away" accounts eligible for an extra 0.25%
Effective Dec 9, 2022
Rate checked
More details - Addition Financial Credit UnionTerm Share CertificateCD · 60 months · $1,000 min
Credit union · 1 branch
3.82%APY$2,062 over 60 months on $10,000Requirements
Product: Dividends credited and compounded monthly. No monthly maintenance fee. Penalties may be imposed for early withdrawal. Certificates automatically renew at maturity for the same term as the original term.
3.75% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$375 over 1 year on $10,000intro rate
Requirements
Product: Fixed annual interest rate for the term of the CD. Early withdrawal may be subject to penalty. Offer not available to funds currently on deposit at Seacoast Bank. At maturity, CD will automatically renew for the same renewal term.
Offer: Special APY applicable to initial term only. Early withdrawal penalty equals the loss of simple interest for six months for maturity greater than one year.
Promotional rate · Effective Oct 3, 2026
Rate checked
More details - Addition Financial Credit UnionBump-up certificateCD · 39 months · $1,000 min
Credit union · 1 branch
3.71%APY$1,257 over 39 months on $10,000Requirements
Product: Includes an option that allows you to increase or 'bump up' the dividend rate and APY once during the term to the current rate in effect at that time for a 36-month certificate. Dividends credited and compounded monthly. No monthly maintenance fee. At maturity, automatically renews into a 36-month certificate at the prevailing rate with no bump-up option. Penalties may be imposed for early withdrawal.
Offer: Option to bump up dividend rate and APY once during the 39-month term to the current rate for a 36-month certificate. Renews into a 36-month certificate.
3.65% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Early withdrawal penalty applies. Dividends paid at the end of each month. Fees may reduce earnings. Rates may change without notice.
Effective Mar 2, 2026
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More details - 3.70%APY$1,992 over 60 months on $10,000with conditions
Requirements
Product: Early withdrawal penalties may apply. FAIRWINDS Visa Signature Credit Card members can receive a 0.25% rate bump on a CD upon request at account opening or renewal.
Offer: Visa Signature Card Holders receive a 0.25% rate bump; must request rate bonus at the time of CD opening or CD renewal.
Qualified rate · Effective Oct 15, 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 Deltona, FL metro
211 CDs at 13 banks and credit unions · checked Oct 5–22
- Typical
- 2.25%
- Top 10% from
- 4.00%
- Banks, typical
- 0.06%
- Credit unions, typical
- 3.66%
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Deltona, FL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Self-Help Credit UnionCredit union · 1 branch
- Space Coast Credit UnionCredit union · 12 branches
- Florida Credit UnionCredit union · 1 branch