Florida CD Rates Today - Compare Best APYs for July 2026

up to

Exclusively for Premier clients. Minimum deposit of $1,000 is required.

Dividend Rate $50,000 - $99,999.99: 3.64%, Annual Percentage Yield $50,000 - $99,999.99: 3.70%, Dividend Rate $100,000 and over: 3.69%, Annual Percentage Yield $100,000 and over: 3.75%

Rate: 3.59%, APY: 3.65% for $1,000 - $49,999.99; Rate: 3.64%, APY: 3.70% for $50,000 - $99,999.99; Rate: 3.69%, APY: 3.75% for $100,000 and over

Last updated 07/11/2026

Online CDs Only available to existing Premier customers.

Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.

Online Only.

Call for Details

Call for Details

Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.

Payoff Bills, Take a Vacation or Improve your Home

Limited time offer, subject to change or termination at any time.

Penalty for early withdrawal: 3 Months Dividends

Fixed; Monthly

up to

Exclusively for Premier clients. Minimum deposit of $1,000 is required.

Minimum and maximum deposit of $500. Rates subject to change without notice. Penalties apply for early withdrawals. Fees and penalties could reduce earnings.

Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.

Online CDs Only available to existing Premier customers.

Rates are effective as of 9/12/2025. Rates are fixed for the term of the Certificate. Unless otherwise disclosed, certificates will automatically be renewed at the rate in effect upon maturity. We will impose a penalty if you withdraw any of the principal balance in your account before the maturity date. The amount of the early withdrawal penalty is based on the term of the account. The amount of these penalties are as follows: Terms of 6 months or less lose 90 days' worth of dividends; and terms greater than 6 months lose 180 days' worth of dividends. The penalty is calculated as a forfeiture of part of the dividend that has been or would be earned on the amount withdrawn. If the account has not yet earned enough dividends or the dividend has already been paid, the penalty will be deducted from the principal. The Annual Percentage Yield disclosed is based on an assumption that dividends will remain in the account until maturity; a withdrawal will reduce earnings. Fees and penalties can reduce earnings on the account. Rates subject to change without notice.

Rate: 3.74%, APY: 3.80% for $1,000 - $49,999.99; Rate: 3.74%, APY: 3.80% for $50,000 - $99,999.99; Rate: 3.74%, APY: 3.80% for $100,000 and over

Dividend Rate $50,000 - $99,999.99: 3.74%, Annual Percentage Yield $50,000 - $99,999.99: 3.80%, Dividend Rate $100,000 and over: 3.74%, Annual Percentage Yield $100,000 and over: 3.80%

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Dividends Paid Monthly

Dividends Paid Monthly

Compound Frequency: Monthly

1

A penalty may be imposed for early withdrawal.

Balance range: $500 - $9,999.99

APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

IRA Certificate

Exclusively for Premier clients. Minimum deposit of $1,000 is required.

Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.

Online CDs Only available to existing Premier customers.

Penalty for early withdrawal: 6 Months Dividends

Online-only high-yield rates.

Call for details

Call for weekly rates and information; $50,000.00 minimum balance required; Early withdrawal penalties apply

Call for weekly rates and information; $1,000.00 minimum balance required; Early withdrawal penalties apply

Dividends Paid Monthly