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CD Rate Trends

Florida Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Florida CD rates range from 2.75% to 5.20% APY, verified by MonitorBankRates as of October 13, 2026. Current Florida CD rates include Raymond James BankRaymond James Bank710 Carillon Pkwy, Saint Petersburg, FL 33716A+5.0 ★Texas Ratio: 3.19%Real return: +2.40%APY minus CPI (February 2026) offering 60 Month Certificate at 5.20% APY, Platinum Federal Credit UnionPlatinum Federal Credit Union7041 Grand National Dr Ste 201, Orlando, FL 32819A+5.0 ★Texas Ratio: 1.89%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Family Legacy Certificate Account at 5.00% APY, Popular DirectPopular Direct1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179A+5.0 ★Texas Ratio: 2.12%Real return: +2.20%APY minus CPI (February 2026) offering 60 Month Certificate at 5.00% APY, Third Federal Savings and LoanThird Federal Savings and Loan8270 Ridge Rd, Port Richey, FL 34668A+5.0 ★Texas Ratio: 2.32%Real return: +1.95%APY minus CPI (February 2026) offering 6 Month Bonus CD at 4.75% APY, and Nicolet BankNicolet Bank1100 5th Ave S, Naples, FL 34102A+5.0 ★Texas Ratio: 2.28%Real return: +1.95%APY minus CPI (February 2026) offering Relationship CD - 60 Month at 4.75% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Florida side-by-side. Florida CD rates currently reach as high as 5.20% APY from Raymond James Bank at 710 Carillon Pkwy, Saint Petersburg, FL 33716. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Florida

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Florida 3 Month CD Rates

MonitorBankRates Florida Average · 3 Month CD2.06% APY▲ 0.01% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Florida is 2.06% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
3 Month Certificate
$0
4.30% ▲ 2.24% above Florida avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 2.24% above avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 6, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
3-month online CD
$25,000
4.00% ▲ 1.94% above Florida avg
View
▼
Rate3.92%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.06%▲ 1.94% above avgNationally 2.09%
Details

Available for current 3-Month CD clients only. Online-only high-yield rates.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1395 Brickell Ave, Miami, FL 33131
3 month CD
$1,000
3.85% ▲ 1.79% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.79% above avgNationally 2.09%
Details

Special CD Rates for Continental U.S.

Rate History
1 change since Sep 30, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 30, 2026: 3.80% APYOct 6, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
  • Oct 6, 20263.85%▲ from 3.80%
  • Sep 30, 20263.80%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
3 Month Promotional Share Certificate
$0
3.75% ▲ 1.69% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.69% above avgNationally 2.09%
Details

Limited time offer valid starting August 2026; $500 minimum opening deposit

Rate History
2 changes since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.20%
2.65%3.48%4.30%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.20% APYOct 13, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.75%▲ from 3.20%
  • Oct 5, 20263.20%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1314 Oakfield Dr, Brandon, FL 33511
3 month Business Share Certificates
$0
3.75% ▲ 1.69% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.69% above avgNationally 2.09%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1314 Oakfield Dr, Brandon, FL 33511
3 month Share Certificates
$0
3.75% ▲ 1.69% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.69% above avgNationally 2.09%
Details

Balance: $1,000 to $24,999; Rates effective as of 10/13/2026

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1314 Oakfield Dr, Brandon, FL 33511
Share Certificates - 3 month
$1,000
3.75% ▲ 1.69% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.69% above avgNationally 2.09%
Details

Balance: $25,000 to $99,999; Dividends compounded and paid quarterly

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
20 S Wickham Rd, Melbourne, FL 32904 1130
3 Month CD
$0
3.75% ▲ 1.69% above Florida avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.69% above avgNationally 2.09%
Details

Effective Date: September 21, 2026

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
20 S Wickham Rd, Melbourne, FL 32904 1130
3 Month IRA CD
$500
3.75% ▲ 1.69% above Florida avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.69% above avgNationally 2.09%
Details

Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYSep 22, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
3 Month IRA Jumbo
$100,000
3.71% ▲ 1.65% above Florida avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.65% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 7 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
3 Month Certificate
$1,000
3.66% ▲ 1.60% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 22, 2026 · 3.66% APY · checked 5 times
3.16%3.66%4.16%Sep 22, 2026: 3.66% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
3 Month IRA
$1,000
3.66% ▲ 1.60% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
3 Month Performance CD
$0
3.60% ▲ 1.54% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.06%▲ 1.54% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2405 Lucien Way, Maitland, FL 32751
3 Month IRA Certificate
$0
3.60% ▲ 1.54% above Florida avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Florida Average2.06%▲ 1.54% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2405 Lucien Way, Maitland, FL 32751
3 Month Share Certificates
$0
3.60% ▲ 1.54% above Florida avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Florida Average2.06%▲ 1.54% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
301 E Las Olas Blvd, Fort Lauderdale, FL 33301
3-Month Certificate of Deposit
$500
3.55% ▲ 1.49% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.06%▲ 1.49% above avgNationally 2.09%
Details

Earn 3.55% APY on balances of $500 or more.

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24201 Walden Center Dr, Estero, FL 34134
3 Month IRA/HSA CD - VIP Bonus
$500
3.55% ▲ 1.49% above Florida avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.49% above avgNationally 2.09%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 13, 2026
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
3 Month CD
$2,500
3.50% ▲ 1.44% above Florida avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.06%▲ 1.44% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
300 S Plumosa St, Merritt Island, FL 32952
3 Month Business Share Certificate
$0
3.45% ▲ 1.39% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.39% above avgNationally 2.09%
Details

Existing certificates only - no new accounts offered

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
300 S Plumosa St, Merritt Island, FL 32952
3 Month Share Certificate
$0
3.45% ▲ 1.39% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.39% above avgNationally 2.09%
Details

Existing certificates only - no new accounts offered

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24201 Walden Center Dr, Estero, FL 34134
3 Month CD - VIP Bonus
$500
3.40% ▲ 1.34% above Florida avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.34% above avgNationally 2.09%
Details

VIP Relationship Reward Bonus; VIP Bonus Rate 3.35%; VIP Bonus APY 3.40%

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 13, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
3 Month Term Share Certificates
$1,000
3.40% ▲ 1.34% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.34% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
Jumbo Term Share Certificates - 3 Months
$0
3.40% ▲ 1.34% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.34% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
258 Southhall Ln, Maitland, FL 32751
Business 3 Months
$0
3.35% ▲ 1.29% above Florida avg
View
▼
Rate3.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.06%▲ 1.29% above avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 11, 2026: 3.35% APYSep 11, 2026Oct 13, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
3-Month Share Certificate
$1,000
3.35% ▲ 1.29% above Florida avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.29% above avgNationally 2.09%
Details

Early withdrawal penalty: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
2.76%3.30%3.85%Sep 14, 2026: 3.26% APYSep 18, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.35%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24201 Walden Center Dr, Estero, FL 34134
3 Month IRA/HSA CD
$500
3.30% ▲ 1.24% above Florida avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.24% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
3 Month Jumbo Certificates
$0
3.29% ▲ 1.23% above Florida avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.23% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 3.29% ▼ 0.71 pts · high 4.00% / low 3.29%
2.58%3.65%4.71%Sep 18, 2026: 4.00% APYOct 13, 2026: 3.29% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20263.29%▼ from 4.00%
  • Sep 18, 20264.00%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
Jumbo Certificates 3 Months
$0
3.29% ▲ 1.23% above Florida avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.23% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 3.29% ▼ 0.71 pts · high 4.00% / low 3.29%
2.58%3.65%4.71%Sep 18, 2026: 4.00% APYOct 13, 2026: 3.29% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20263.29%▼ from 4.00%
  • Sep 18, 20264.00%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
3 Month Standard Certificates
$0
3.26% ▲ 1.20% above Florida avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.20% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 3.26% ▼ 0.74 pts · high 4.00% / low 3.26%
2.52%3.63%4.74%Sep 14, 2026: 4.00% APYOct 13, 2026: 3.26% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.26%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
Standard Certificates - 3 Months
$0
3.26% ▲ 1.20% above Florida avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.20% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 3.26% ▼ 0.74 pts · high 4.00% / low 3.26%
2.52%3.63%4.74%Sep 14, 2026: 4.00% APYOct 13, 2026: 3.26% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.26%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$0
3.25% ▲ 1.19% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Balance: $1,000,000 OR HIGHER

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 13, 2026
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
815 S Colorado Ave, Stuart, FL 34994
3-Month CD
$0
3.25% ▲ 1.19% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 13, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
3 Month Certificate
$1,000
3.25% ▲ 1.19% above Florida avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
3 Month IRA Certificate
$1,000
3.25% ▲ 1.19% above Florida avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3050 Corporate Way, Miramar, FL 33025
3 Month Certificate
$500
3.25% ▲ 1.19% above Florida avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3050 Corporate Way, Miramar, FL 33025
3 Month IRA Certificate
$500
3.25% ▲ 1.19% above Florida avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3050 Corporate Way, Miramar, FL 33025
IRA Certificate - 3 Months
$500
3.25% ▲ 1.19% above Florida avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
3 Month AMP Term Share Certificates
$0
3.25% ▲ 1.19% above Florida avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
90-Day IRA Certificate
$50
3.25% ▲ 1.19% above Florida avg
View
▼
Rate3.20%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
90-Day Share Certificate
$1,000
3.25% ▲ 1.19% above Florida avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
3 Month Share Certificate
$0
3.20% ▲ 1.14% above Florida avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.14% above avgNationally 2.09%
Details

Balance: $50,000 or more; Dividends paid MONTHLY; Min Balance: $500

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
90 Day Certificate
$2,000
3.15% ▲ 1.09% above Florida avg
View
▼
Rate3.10%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.06%▲ 1.09% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 7, 2026: 3.15% APYOct 7, 2026Oct 13, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$0
3.15% ▲ 1.09% above Florida avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.06%▲ 1.09% above avgNationally 2.09%
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 13, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24201 Walden Center Dr, Estero, FL 34134
3 Month CD
$500
3.15% ▲ 1.09% above Florida avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.09% above avgNationally 2.09%
Details

Dividend Rate (Interest) 3.11%; APY 3.15%

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 13, 2026
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1126 N Ferdon Blvd, Crestview, FL 32536 1710
Certificate - 3 Months
$1,000
3.14% ▲ 1.08% above Florida avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.08% above avgNationally 2.09%
Details

Minimum of $1,000.00 required

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 8 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
3 Month Share Certificate
$0
3.10% ▲ 1.04% above Florida avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.06%▲ 1.04% above avgNationally 2.09%
Details

Balance: $25,000 - $49,999; Dividends paid MONTHLY; Min Balance: $500

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1100 5th Ave S, Naples, FL 34102
Relationship CD - 3 Month
$0
3.05% ▲ 0.99% above Florida avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.06%▲ 0.99% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 13, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
3 Month Certificate
$500
3.04% ▲ 0.98% above Florida avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.06%▲ 0.98% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$0
3.00% ▲ 0.94% above Florida avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.06%▲ 0.94% above avgNationally 2.09%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
980 North Federal Highway Suite 110 30, Boca Raton, FL 33432
Fixed Rate of Return - 3 Month
$2,500
3.00% ▲ 0.94% above Florida avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.06%▲ 0.94% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026

Florida 6 Month CD Rates

MonitorBankRates Florida Average · 6 Month CD3.06% APY▲ 0.01% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Florida is 3.06% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
8270 Ridge Rd, Port Richey, FL 34668
6 Month Bonus CD
$500
4.75% ▲ 1.69% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 1.69% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 13, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
135 Perry Ave Se, Fort Walton Beach, FL 32548
6-Month CD
$1,000
4.40% ▲ 1.34% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.06%▲ 1.34% above avgNationally 2.78%
Details

Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 16, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 16, 20264.35%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
6 Month Certificate
$2,000
4.35% ▲ 1.29% above Florida avg
View
▼
Rate4.26%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 1.29% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
6 Month Certificate
$0
4.35% ▲ 1.29% above Florida avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 1.29% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
6-month CD
$10,000
4.35% ▲ 1.29% above Florida avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 1.29% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 24, 2026: 4.15% APYOct 1, 2026: 4.25% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.35%▲ from 4.25%
  • Oct 1, 20264.25%▲ from 4.15%
  • Sep 24, 20264.15%first recorded
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
182 37th Ave N, Saint Petersburg, FL 33704
6-Month Penalty-Free CD
$500
4.33% ▲ 1.27% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.06%▲ 1.27% above avgNationally 2.78%
Details

No penalty for early withdrawals

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYSep 24, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
6-month online CD
$25,000
4.25% ▲ 1.19% above Florida avg
View
▼
Rate4.16%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 1.19% above avgNationally 2.78%
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
6 Month Certificate of Deposit
$0
4.25% ▲ 1.19% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 1.19% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1825 S Jefferson St, Perry, FL 32348 5614
6 Month Share Certificate - Commercial
$0
4.15% ▲ 1.09% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 1.09% above avgNationally 2.78%
Details

Commercial/business account with BCFCU required; dividends compounded and credited monthly

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
6 Month Fixed Rate Jumbo Certificate
$50,000
4.13% ▲ 1.07% above Florida avg
View
▼
Rate4.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 1.07% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
6 Month IRA Jumbo
$100,000
4.12% ▲ 1.06% above Florida avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 1.06% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 7 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
5550 Glades Rd, Boca Raton, FL 33431
6-MONTH CD
$2,500
4.10% ▲ 1.04% above Florida avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 1.04% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
6 Month Business Fixed Rate Certificate
$1,000
4.08% ▲ 1.02% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 1.02% above avgNationally 2.78%
Details

Compound Period: Daily

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
6 Month Fixed Rate Certificate
$1,000
4.08% ▲ 1.02% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 1.02% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Sep 18, 2026: 4.08% APYSep 18, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
6 Month Certificate
$1,000
4.07% ▲ 1.01% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 1.01% above avgNationally 2.78%
Details

Rate History
No change since Sep 22, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 22, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
6 Month IRA
$1,000
4.07% ▲ 1.01% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 1.01% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
2950 Aventura Blvd, Aventura, FL 33180
6 Month CD
$1,000
4.05% ▲ 0.99% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.99% above avgNationally 2.78%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
2950 Aventura Blvd, Aventura, FL 33180
6 Month New Money CD
$1,000
4.05% ▲ 0.99% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.99% above avgNationally 2.78%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 13, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
6 Month Jumbo Certificates
$100,000
4.01% ▲ 0.95% above Florida avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.95% above avgNationally 2.78%
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1395 Brickell Ave, Miami, FL 33131
6 month CD
$1,000
4.00% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Special CD Rates for Continental U.S.

Rate History
1 change since Sep 30, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 30, 2026: 3.95% APYOct 6, 2026: 4.00% APYSep 30, 2026Oct 13, 2026
  • Oct 6, 20264.00%▲ from 3.95%
  • Sep 30, 20263.95%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
2950 Aventura Blvd, Aventura, FL 33180
6 Month CD
$1,000
4.00% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
2950 Aventura Blvd, Aventura, FL 33180
6 Month Online CD
$1,000
4.00% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
340 Royal Palm Way, Palm Beach, FL 33480
6-month CD
$1,000
4.00% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
6 Month CD
$2,500
4.00% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
801 Brickell Ave, Miami, FL 33131
Special 6-Month Fixed Rate
$0
4.00% ▲ 0.94% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
5907 Berryhill Rd, Milton, FL 32570
6 Month CD
$0
4.00% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
5907 Berryhill Rd, Milton, FL 32570
6 Month IRA CD
$0
4.00% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
6 Month CD
$0
4.00% ▲ 0.94% above Florida avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
6 Month Certificate of Deposit
$1,000
4.00% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
6-Month IRA
$1,000
4.00% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
6-Month Share Certificate
$1,000
4.00% ▲ 0.94% above Florida avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Early withdrawal penalty: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.00% ▲ 0.13 pts · high 4.00% / low 3.87%
3.37%3.94%4.50%Sep 14, 2026: 3.87% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.00%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
Share Certificate Promotional - 6 Months
$0
4.00% ▲ 0.94% above Florida avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

4.00% APY 6-Month effective 6/1/2026; Rates effective as of August 24, 2026; Membership is required; Subject to early withdrawal penalty and/or fees

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
Certificates and IRA Certificates - 6-Month
$0
4.00% ▲ 0.94% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Fixed rate; dividends compounded monthly

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
Golden Eagle Certificates - 6-Month
$5,000
4.00% ▲ 0.94% above Florida avg
View
▼
Rate3.93%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Fixed rate; Dividends compounded and paid monthly

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
Jumbo Certificates - 6-Month
$50,000
4.00% ▲ 0.94% above Florida avg
View
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month CD
$0
4.00% ▲ 0.94% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 Month HSA Certificate of Deposit (CD)
$0
4.00% ▲ 0.94% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Balance: $100,000 and over

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
Business 6 month CD
$0
4.00% ▲ 0.94% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Balance: $100,000 and over

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1314 Oakfield Dr, Brandon, FL 33511
6 month Business Share Certificates
$0
4.00% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1314 Oakfield Dr, Brandon, FL 33511
6 month Share Certificates
$1,000
4.00% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.78%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1825 S Jefferson St, Perry, FL 32348 5614
6 Month Share Certificate
$0
3.95% ▲ 0.89% above Florida avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.78%
Details

Dividends compounded and credited monthly; early withdrawal penalty applies

Rate History
No change since Oct 5, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 5, 2026: 3.95% APYOct 5, 2026Oct 13, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month CD
$0
3.95% ▲ 0.89% above Florida avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.78%
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 Month HSA Certificate of Deposit (CD)
$0
3.95% ▲ 0.89% above Florida avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.78%
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
Business 6 month CD
$0
3.95% ▲ 0.89% above Florida avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.78%
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
601 E Rollins St, Orlando, FL 32803
6 Month Certificate of Deposit
$0
3.95% ▲ 0.89% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.78%
Details

Standard tier; Min $500

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 13, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3000 N University Dr, Sunrise, FL 33322 1611
6 Month Term Certificate
$0
3.95% ▲ 0.89% above Florida avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
6 Month Jumbo Certificate
$0
3.95% ▲ 0.89% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month CD
$0
3.90% ▲ 0.84% above Florida avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.84% above avgNationally 2.78%
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
6 Month HSA Certificate of Deposit (CD)
$0
3.90% ▲ 0.84% above Florida avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.84% above avgNationally 2.78%
Details

Balance: $500 - $24,999.99

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026

Florida 12 Month CD Rates

MonitorBankRates Florida Average · 12 Month CD3.22% APY▲ 0.02% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Florida is 3.22% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
12 Month Family Legacy Certificate Account
$0
5.00% ▲ 1.78% above Florida avg
View
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.78% above avgNationally 2.99%
Details

Eligibility: must be opened within two years of the date of death; eligibility subject to verification; 12-month fixed term from account opening; one renewal at rate in effect at maturity, rate not guaranteed to match original

Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
4.41%4.96%5.50%Sep 14, 2026: 4.91% APYSep 17, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.00%▲ from 4.91%
  • Sep 14, 20264.91%first recorded
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
12 Month Certificate
$2,000
4.60% ▲ 1.38% above Florida avg
View
▼
Rate4.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.38% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 7, 2026: 4.60% APYOct 7, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
12 Month Certificate
$0
4.50% ▲ 1.28% above Florida avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
12-month CD
$10,000
4.50% ▲ 1.28% above Florida avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 24, 2026: 4.25% APYOct 1, 2026: 4.40% APYOct 6, 2026: 4.50% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.50%▲ from 4.40%
  • Oct 1, 20264.40%▲ from 4.25%
  • Sep 24, 20264.25%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
12-month online CD
$25,000
4.45% ▲ 1.23% above Florida avg
View
▼
Rate4.35%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.23% above avgNationally 2.99%
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.45% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.45%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3050 Corporate Way, Miramar, FL 33025
12 Month IRA Certificate
$500
4.40% ▲ 1.18% above Florida avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.18% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3050 Corporate Way, Miramar, FL 33025
12 Month Regular Certificate of Deposit
$500
4.40% ▲ 1.18% above Florida avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.18% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3050 Corporate Way, Miramar, FL 33025
12 Months Certificate
$500
4.40% ▲ 1.18% above Florida avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.18% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 22, 2026: 4.40% APYSep 22, 2026Oct 13, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3050 Corporate Way, Miramar, FL 33025
IRA Certificate - 12 Months
$500
4.40% ▲ 1.18% above Florida avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.18% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
8270 Ridge Rd, Port Richey, FL 34668
12 Month Online CD
$500
4.35% ▲ 1.13% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
2950 Aventura Blvd, Aventura, FL 33180
12 Month CD
$1,000
4.35% ▲ 1.13% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.99%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
2950 Aventura Blvd, Aventura, FL 33180
12 Month New Money CD
$1,000
4.35% ▲ 1.13% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.99%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
955 W State Road 436, Altamonte Springs, FL 32714
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.13% above Florida avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
340 Royal Palm Way, Palm Beach, FL 33480
12-month CD
$1,000
4.35% ▲ 1.13% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.99%
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
602 S 6th St, Macclenny, FL 32063 2608
Traditional Teen 12 month CD Special
$0
4.33% ▲ 1.11% above Florida avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.11% above avgNationally 2.99%
Details

Tru Traditional/Roth IRA Accounts

Rate History
No change since Sep 22, 2026 · 4.33% APY · checked 4 times
3.83%4.33%4.83%Sep 22, 2026: 4.33% APYSep 22, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
2950 Aventura Blvd, Aventura, FL 33180
12 Month CD
$1,000
4.30% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.08% above avgNationally 2.99%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
2950 Aventura Blvd, Aventura, FL 33180
12 Month Online CD
$1,000
4.30% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.08% above avgNationally 2.99%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 27, 2026: 4.30% APYSep 27, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
5550 Glades Rd, Boca Raton, FL 33431
12-MONTH CD
$500
4.30% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.08% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
8270 Ridge Rd, Port Richey, FL 34668
1 Year Rising Rate CD
$0
4.25% ▲ 1.03% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
12 Month Promotional Share Certificate
$0
4.25% ▲ 1.03% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details

Advertised APY includes 0.25% new money increase; requires at least $10,000 from another financial institution; Limited time offer valid starting August 2026

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 3.35%
2.45%3.80%5.15%Sep 14, 2026: 4.00% APYOct 5, 2026: 3.35% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.35%
  • Oct 5, 20263.35%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
20 S Wickham Rd, Melbourne, FL 32904 1130
12 Month CD
$0
4.25% ▲ 1.03% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details

Effective Date: September 21, 2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 18, 2026: 3.85% APYOct 5, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
20 S Wickham Rd, Melbourne, FL 32904 1130
12 Month IRA CD
$500
4.25% ▲ 1.03% above Florida avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details

Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1055 S Congress Ave, West Palm Beach, FL 33406 5195
Jumbo 12 Month Certificates
$0
4.25% ▲ 1.03% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details

Jumbo 12 Month Certificates** - Minimum $75,000; Early Withdrawal Penalty: 180 days interest

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 1, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificate - 1 Year Starter Add-On
$0
4.25% ▲ 1.03% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
12 MONTH CD
$0
4.24% ▲ 1.02% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.22%▲ 1.02% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 4.24% APY · checked 8 times
3.74%4.24%4.74%Sep 19, 2026: 4.24% APYSep 19, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
12 Month IRA Jumbo
$100,000
4.23% ▲ 1.01% above Florida avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.01% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
12 Month Certificate
$1,000
4.18% ▲ 0.96% above Florida avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 4.18% APY · checked 5 times
3.68%4.18%4.68%Sep 22, 2026: 4.18% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
12 Month IRA
$1,000
4.18% ▲ 0.96% above Florida avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 7 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
182 37th Ave N, Saint Petersburg, FL 33704
12-Month Penalty-Free CD
$500
4.15% ▲ 0.93% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.22%▲ 0.93% above avgNationally 2.99%
Details

No penalty for early withdrawals

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
12 Month Share Certificates
$1,000
4.15% ▲ 0.93% above Florida avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.93% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 18, 2026: 4.00% APYOct 6, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.15%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Gala Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
517 Sw 27th Ave, Ocala, FL 34471
12 Months CD
$0
4.15% ▲ 0.93% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.93% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 10, 2026: 4.15% APYOct 10, 2026Oct 13, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
Adjustable Rate Certificate 12 Months
$1,000
4.14% ▲ 0.92% above Florida avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.92% above avgNationally 2.99%
Details

Compound Period: Daily

Rate History
No change since Sep 18, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Sep 18, 2026: 4.14% APYSep 18, 2026Oct 13, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
Business Adjustable Rate Certificate - 12 Months
$1,000
4.14% ▲ 0.92% above Florida avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.92% above avgNationally 2.99%
Details

Compound Period: Daily

Rate History
No change since Sep 14, 2026 · 4.14% APY · checked 6 times
3.64%4.14%4.64%Sep 14, 2026: 4.14% APYSep 14, 2026Oct 13, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
801 Brickell Ave, Miami, FL 33131
Special 12-Month Fixed Rate
$0
4.11% ▲ 0.89% above Florida avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.89% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1395 Brickell Ave, Miami, FL 33131
12 month CD
$1,000
4.10% ▲ 0.88% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details

Special CD Rates for Continental U.S.

Rate History
1 change since Sep 30, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 30, 2026: 4.05% APYOct 6, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
  • Oct 6, 20264.10%▲ from 4.05%
  • Sep 30, 20264.05%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
1-Year Share Certificate
$1,000
4.10% ▲ 0.88% above Florida avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details

Early withdrawal penalty: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
3.43%4.02%4.60%Sep 14, 2026: 3.93% APYSep 18, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.10%▲ from 3.93%
  • Sep 14, 20263.93%first recorded
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
Share Certificate Promotional - 12 Months
$500
4.10% ▲ 0.88% above Florida avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details

4.10% APY 12-Month Share Certificate (CD) effective 8/24/2026; Rates effective as of August 24, 2026; Membership is required; Subject to early withdrawal penalty and/or fees

Rate History
No change since Oct 13, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 13, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
1 Year Add-On Certificate
$0
4.10% ▲ 0.88% above Florida avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Starter Certificate - 1 Year Add-On
$0
4.10% ▲ 0.88% above Florida avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Youth Advantage - 12 Month Term
$1,000,000
4.08% ▲ 0.86% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.86% above avgNationally 2.99%
Details

Tier: Super Jumbo Max

Rate History
No change since Oct 13, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 13, 2026: 4.08% APYOct 13, 2026Oct 13, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1225 Millennium Pkwy, Brandon, FL 33511
12 Month Certificate
$500
4.08% ▲ 0.86% above Florida avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 8 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
12 Month Fixed Rate Jumbo Certificate
$50,000
4.08% ▲ 0.86% above Florida avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 6 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$0
4.05% ▲ 0.83% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.83% above avgNationally 2.99%
Details

Balance: $1,000,000 OR HIGHER

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 13, 2026
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1825 S Jefferson St, Perry, FL 32348 5614
1 Year Share Certificate
$0
4.05% ▲ 0.83% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.83% above avgNationally 2.99%
Details

Dividends compounded and credited monthly; early withdrawal penalty applies

Rate History
No change since Oct 5, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 5, 2026: 4.05% APYOct 5, 2026Oct 13, 2026
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
12 Month Jumbo Certificates
$0
4.03% ▲ 0.81% above Florida avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.81% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.64% → 4.03% ▲ 0.39 pts · high 4.03% / low 3.64%
3.14%3.84%4.53%Sep 18, 2026: 3.64% APYOct 13, 2026: 4.03% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.03%▲ from 3.64%
  • Sep 18, 20263.64%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
Jumbo Certificates 12 Months
$0
4.03% ▲ 0.81% above Florida avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.81% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.64% → 4.03% ▲ 0.39 pts · high 4.03% / low 3.64%
3.14%3.84%4.53%Sep 14, 2026: 3.64% APYOct 13, 2026: 4.03% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.03%▲ from 3.64%
  • Sep 14, 20263.64%first recorded
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
12 Month Business Fixed Rate Certificate
$1,000
4.03% ▲ 0.81% above Florida avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.81% above avgNationally 2.99%
Details

Compound Period: Daily

Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 6 times
3.53%4.03%4.53%Sep 14, 2026: 4.03% APYSep 14, 2026Oct 13, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
12 Month Fixed Rate Certificate
$1,000
4.03% ▲ 0.81% above Florida avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.81% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Sep 18, 2026: 4.03% APYSep 18, 2026Oct 13, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
12 Month HSA Certificate
$1,000
4.03% ▲ 0.81% above Florida avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.81% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Sep 18, 2026: 4.03% APYSep 18, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus Certificates - 12 Month
$0
4.02% ▲ 0.80% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.80% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded

Florida 18 Month CD Rates

MonitorBankRates Florida Average · 18 Month CD3.26% APY▲ 0.04% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Florida is 3.26% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
18 Month Certificate
$2,000
4.90% ▲ 1.64% above Florida avg
View
▼
Rate4.78%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.26%▲ 1.64% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.90% APY · checked 2 times
4.40%4.90%5.40%Oct 7, 2026: 4.90% APYOct 7, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
18 Month Certificate
$0
4.65% ▲ 1.39% above Florida avg
View
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 1.39% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 6, 2026: 4.65% APYOct 6, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
18-month CD
$10,000
4.65% ▲ 1.39% above Florida avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 1.39% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 24, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
3.85%4.50%5.15%Sep 24, 2026: 4.35% APYOct 1, 2026: 4.55% APYOct 6, 2026: 4.65% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.65%▲ from 4.55%
  • Oct 1, 20264.55%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
18-Month Promo Certificate
$100,000
4.50% ▲ 1.24% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.26%▲ 1.24% above avgNationally 2.87%
Details

Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.

Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.50% APYOct 4, 2026: 4.35% APYOct 8, 2026: 4.50% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.50%▲ from 4.35%
  • Oct 4, 20264.35%▼ from 4.50%
  • Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
18-Month Promotional Certificate
$0
4.50% ▲ 1.24% above Florida avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.26%▲ 1.24% above avgNationally 2.87%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
18 Month Jumbo Certificate
$0
4.50% ▲ 1.24% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 1.24% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
18 Month Share Certificate
$0
4.50% ▲ 1.24% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 1.24% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
18 Month Youth Certificate
$0
4.50% ▲ 1.24% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 1.24% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
300 S Plumosa St, Merritt Island, FL 32952
18 Month Business Share Certificate
$0
4.50% ▲ 1.24% above Florida avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 1.24% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
300 S Plumosa St, Merritt Island, FL 32952
18 Month Share Certificate
$0
4.50% ▲ 1.24% above Florida avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 1.24% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
5907 Berryhill Rd, Milton, FL 32570
18 Month CD
$0
4.35% ▲ 1.09% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.26%▲ 1.09% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
5907 Berryhill Rd, Milton, FL 32570
18 Month IRA CD
$0
4.35% ▲ 1.09% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.26%▲ 1.09% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
135 Perry Ave Se, Fort Walton Beach, FL 32548
18-Month CD
$1,000
4.35% ▲ 1.09% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.26%▲ 1.09% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 13, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
18-Month Promo Certificate
$100
4.35% ▲ 1.09% above Florida avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.26%▲ 1.09% above avgNationally 2.87%
Details

Or, 4.35% APY* with $100 min.

Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.35% APYOct 4, 2026: 4.50% APYOct 12, 2026: 4.35% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.35%▼ from 4.50%
  • Oct 4, 20264.50%▲ from 4.35%
  • Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
18-Month Promotional Certificate
$0
4.35% ▲ 1.09% above Florida avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.26%▲ 1.09% above avgNationally 2.87%
Details

Regular

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Business 18-Month Promotional Certificate
$0
4.35% ▲ 1.09% above Florida avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.26%▲ 1.09% above avgNationally 2.87%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
18 Month IRA Jumbo
$100,000
4.28% ▲ 1.02% above Florida avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 1.02% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 7 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1100 5th Ave S, Naples, FL 34102
Relationship CD - 18 Month
$0
4.25% ▲ 0.99% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.26%▲ 0.99% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
20 S Wickham Rd, Melbourne, FL 32904 1130
18 Month CD
$0
4.25% ▲ 0.99% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.26%▲ 0.99% above avgNationally 2.87%
Details

Effective Date: September 21, 2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 18, 2026: 3.85% APYOct 5, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
20 S Wickham Rd, Melbourne, FL 32904 1130
18 Month IRA CD
$500
4.25% ▲ 0.99% above Florida avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.26%▲ 0.99% above avgNationally 2.87%
Details

Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
5550 Glades Rd, Boca Raton, FL 33431
18-MONTH CD
$500
4.25% ▲ 0.99% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 0.99% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
18 Month Share Certificates
$1,000
4.25% ▲ 0.99% above Florida avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 0.99% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 18, 2026: 4.15% APYOct 6, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.25%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1900 McCoy Rd, Orlando, FL 32809
18 Month Share Certificate
$0
4.23% ▲ 0.97% above Florida avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.26%▲ 0.97% above avgNationally 2.87%
Details

Balance: $1,000 - $100,000 +

Rate History
No change since Sep 25, 2026 · 4.23% APY · checked 4 times
3.73%4.23%4.73%Sep 25, 2026: 4.23% APYSep 25, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
18 Month Certificate
$1,000
4.23% ▲ 0.97% above Florida avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 0.97% above avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 4.23% APY · checked 5 times
3.73%4.23%4.73%Sep 22, 2026: 4.23% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
18 Month IRA
$1,000
4.23% ▲ 0.97% above Florida avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 0.97% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Business 18-Month Promotional Certificate
$0
4.20% ▲ 0.94% above Florida avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.26%▲ 0.94% above avgNationally 2.87%
Details

Regular

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 13, 2026
Gala Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
517 Sw 27th Ave, Ocala, FL 34471
18 Months CD
$0
4.20% ▲ 0.94% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 0.94% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 10, 2026: 4.20% APYOct 10, 2026Oct 13, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
340 Royal Palm Way, Palm Beach, FL 33480
18-month CD
$1,000
4.15% ▲ 0.89% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.26%▲ 0.89% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
18 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 0.89% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.26%▲ 0.89% above avgNationally 2.87%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
18 Month IRA Share Certificate
$0
4.15% ▲ 0.89% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 0.89% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
18 Month View Today's Full List of CD Offerings here
$100,000
4.10% ▲ 0.84% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.26%▲ 0.84% above avgNationally 2.87%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3050 Corporate Way, Miramar, FL 33025
18 Month IRA Certificate
$500
4.10% ▲ 0.84% above Florida avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 0.84% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3050 Corporate Way, Miramar, FL 33025
18 Month Regular Certificate of Deposit
$500
4.10% ▲ 0.84% above Florida avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 0.84% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3050 Corporate Way, Miramar, FL 33025
18 Months Certificate
$500
4.10% ▲ 0.84% above Florida avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 0.84% above avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 22, 2026: 4.10% APYSep 22, 2026Oct 13, 2026
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
3050 Corporate Way, Miramar, FL 33025
IRA Certificate - 18 Months
$500
4.10% ▲ 0.84% above Florida avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.26%▲ 0.84% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1825 S Jefferson St, Perry, FL 32348 5614
18 Month Share Certificate
$0
4.08% ▲ 0.82% above Florida avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.26%▲ 0.82% above avgNationally 2.87%
Details

Dividends compounded and credited monthly; early withdrawal penalty applies

Rate History
No change since Oct 5, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 5, 2026: 4.08% APYOct 5, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
18 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 0.79% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.26%▲ 0.79% above avgNationally 2.87%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3036 Grand Avenue, Miami, FL 33133
18-Month CD
$500
4.00% ▲ 0.74% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.26%▲ 0.74% above avgNationally 2.87%
Details

Rates are available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL: Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141. Rates in other areas or for online openings may not be available.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
7476 Cypress Gardens Blvd, Winter Haven, FL 33884
18 Months CD
$0
4.00% ▲ 0.74% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.26%▲ 0.74% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
1201 S Orlando Ave, Winter Park, FL 32789
18 month CD
$500
4.00% ▲ 0.74% above Florida avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.26%▲ 0.74% above avgNationally 2.87%
Details

Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

Rate History
1 change since Sep 11, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 11, 2026: 3.25% APYSep 24, 2026: 4.00% APYSep 11, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.25%
  • Sep 11, 20263.25%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Share Certificates - 18 Month
$1,000
4.00% ▲ 0.74% above Florida avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.26%▲ 0.74% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 0.74% above Florida avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.26%▲ 0.74% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
18 Month CD
$2,500
3.95% ▲ 0.69% above Florida avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.26%▲ 0.69% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1100 5th Ave S, Naples, FL 34102
CD - 18 Month
$0
3.95% ▲ 0.69% above Florida avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.26%▲ 0.69% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.69% above Florida avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.26%▲ 0.69% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95% ▲ 0.69% above Florida avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.26%▲ 0.69% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
18 Month Share Certificate
$1,000
3.90% ▲ 0.64% above Florida avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.26%▲ 0.64% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 18, 2026: 3.95% APYOct 9, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.90%▼ from 3.95%
  • Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90% ▲ 0.64% above Florida avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.26%▲ 0.64% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
2000 Pga Blvd, North Palm Beach, FL 33408
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.59% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.26%▲ 0.59% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
2000 Pga Blvd, North Palm Beach, FL 33408
18-Month M&T Select CD
$0
3.85% ▲ 0.59% above Florida avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.26%▲ 0.59% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026

Florida 24 Month CD Rates

MonitorBankRates Florida Average · 24 Month CD3.15% APY▲ 0.05% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Florida is 3.15% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
24 Month Certificate
$2,000
4.98% ▲ 1.83% above Florida avg
View
▼
Rate4.86%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.83% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.98% APY · checked 2 times
4.48%4.98%5.48%Oct 7, 2026: 4.98% APYOct 7, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
24 Month Certificate
$0
4.70% ▲ 1.55% above Florida avg
View
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.55% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 6, 2026: 4.70% APYOct 6, 2026Oct 13, 2026
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
24-month online CD
$25,000
4.50% ▲ 1.35% above Florida avg
View
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.35% above avgNationally 2.88%
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.50%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1100 5th Ave S, Naples, FL 34102
Relationship CD - 24 Month
$0
4.50% ▲ 1.35% above Florida avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.35% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
2950 Aventura Blvd, Aventura, FL 33180
24 Month CD
$1,000
4.45% ▲ 1.30% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.30% above avgNationally 2.88%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
2950 Aventura Blvd, Aventura, FL 33180
24 Month New Money CD
$1,000
4.45% ▲ 1.30% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.30% above avgNationally 2.88%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
2950 Aventura Blvd, Aventura, FL 33180
24 Month CD
$1,000
4.40% ▲ 1.25% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.88%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
2950 Aventura Blvd, Aventura, FL 33180
24 Month Online CD
$1,000
4.40% ▲ 1.25% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.88%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 13, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1314 Oakfield Dr, Brandon, FL 33511
2 Year Business Share Certificates
$0
4.40% ▲ 1.25% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.88%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 13, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
1314 Oakfield Dr, Brandon, FL 33511
2 Year Share Certificates
$1,000
4.40% ▲ 1.25% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.88%
Details

Balance: $1,000 to $24,999; Tier 1

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 13, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
24 Month Performance CD
$0
4.35% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.20% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
24 Month Share Certificates
$1,000
4.30% ▲ 1.15% above Florida avg
View
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.15% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 18, 2026: 3.90% APYOct 6, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.30%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Gala Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
517 Sw 27th Ave, Ocala, FL 34471
24 Months CD
$0
4.30% ▲ 1.15% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.15% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 10, 2026: 4.30% APYOct 10, 2026Oct 13, 2026
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1900 McCoy Rd, Orlando, FL 32809
24 Month Share Certificate
$0
4.28% ▲ 1.13% above Florida avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.15%▲ 1.13% above avgNationally 2.88%
Details

Balance: $1,000 - $4,999

Rate History
1 change since Sep 17, 2026 · 3.56% → 4.28% ▲ 0.73 pts · high 4.28% / low 3.56%
2.83%3.92%5.01%Sep 17, 2026: 3.56% APYSep 25, 2026: 4.28% APYSep 17, 2026Oct 13, 2026
  • Sep 25, 20264.28%▲ from 3.56%
  • Sep 17, 20263.56%first recorded
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1301 Industrial Dr, Crestview, FL 32539
24-month CD
$0
4.25% ▲ 1.10% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.10% above avgNationally 2.88%
Details

Save on your terms with a guaranteed rate of return on a Certificate of Deposit.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
9485 Regency Square Blvd, Jacksonville, FL 32225
24-month CD
$1,000
4.25% ▲ 1.10% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.10% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
602 S 6th St, Macclenny, FL 32063 2608
Traditional Kid's Club 24 month CD Special
$0
4.25% ▲ 1.10% above Florida avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.10% above avgNationally 2.88%
Details

Tru Traditional/Roth IRA Accounts

Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
5550 Glades Rd, Boca Raton, FL 33431
24-MONTH CD
$500
4.25% ▲ 1.10% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.10% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1100 5th Ave S, Naples, FL 34102
CD - 24 Month
$0
4.20% ▲ 1.05% above Florida avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 1.05% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
24 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.05% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 1.05% above avgNationally 2.88%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
Adjustable Rate Certificate 24 Months
$1,000
4.20% ▲ 1.05% above Florida avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.05% above avgNationally 2.88%
Details

Compound Period: Daily

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
Business Adjustable Rate Certificate - 24 Months
$1,000
4.20% ▲ 1.05% above Florida avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 1.05% above avgNationally 2.88%
Details

Compound Period: Daily

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1558 1st St, Sarasota, FL 34236 8502
24 Month Certificate
$150,000
4.16% ▲ 1.01% above Florida avg
View
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 1.01% above avgNationally 2.88%
Details

Effective Tuesday, October 13, 2026

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 7 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1558 1st St, Sarasota, FL 34236 8502
24 Month IRA Certificate
$150,000
4.16% ▲ 1.01% above Florida avg
View
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 1.01% above avgNationally 2.88%
Details

Effective Tuesday, October 13, 2026

Rate History
No change since Oct 13, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 13, 2026: 4.16% APYOct 13, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
24 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 1.00% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 1.00% above avgNationally 2.88%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
24 Month IRA Jumbo
$100,000
4.13% ▲ 0.98% above Florida avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 0.98% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1558 1st St, Sarasota, FL 34236 8502
24 Month Certificate
$75,000
4.11% ▲ 0.96% above Florida avg
View
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 0.96% above avgNationally 2.88%
Details

Effective Tuesday, October 13, 2026

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 7 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1558 1st St, Sarasota, FL 34236 8502
24 Month IRA Certificate
$75,000
4.11% ▲ 0.96% above Florida avg
View
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 0.96% above avgNationally 2.88%
Details

Effective Tuesday, October 13, 2026

Rate History
No change since Oct 13, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 13, 2026: 4.11% APYOct 13, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
24 Month View Today's Full List of CD Offerings here
$100,000
4.10% ▲ 0.95% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 0.95% above avgNationally 2.88%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 0.95% above Florida avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.95% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
24 Month Certificate
$1,000
4.07% ▲ 0.92% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 0.92% above avgNationally 2.88%
Details

Rate History
1 change since Sep 22, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 22, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 22, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
24 Month IRA
$1,000
4.07% ▲ 0.92% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 0.92% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1558 1st St, Sarasota, FL 34236 8502
24 Month Certificate
$1,000
4.06% ▲ 0.91% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 0.91% above avgNationally 2.88%
Details

Effective Tuesday, October 13, 2026

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
1558 1st St, Sarasota, FL 34236 8502
24 Month IRA Certificate
$1,000
4.06% ▲ 0.91% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 0.91% above avgNationally 2.88%
Details

Effective Tuesday, October 13, 2026

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 13, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
24 Month Jumbo Certificates
$100,000
4.06% ▲ 0.91% above Florida avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 0.91% above avgNationally 2.88%
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 0.90% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.15%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3000 N University Dr, Sunrise, FL 33322 1611
24 Month Term Certificate
$0
4.05% ▲ 0.90% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.15%▲ 0.90% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
24 Month Jumbo Certificates
$0
4.03% ▲ 0.88% above Florida avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 0.88% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.69% → 4.03% ▲ 0.34 pts · high 4.03% / low 3.69%
3.19%3.86%4.53%Sep 18, 2026: 3.69% APYOct 13, 2026: 4.03% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.03%▲ from 3.69%
  • Sep 18, 20263.69%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
Jumbo Certificates 24 Months
$0
4.03% ▲ 0.88% above Florida avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 0.88% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.69% → 4.03% ▲ 0.34 pts · high 4.03% / low 3.69%
3.19%3.86%4.53%Sep 14, 2026: 3.69% APYOct 13, 2026: 4.03% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.03%▲ from 3.69%
  • Sep 14, 20263.69%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus Certificates - 24 Month
$0
4.02% ▲ 0.87% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 0.87% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 0.87% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 0.87% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
340 Royal Palm Way, Palm Beach, FL 33480
24-month CD
$1,000
4.00% ▲ 0.85% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
1201 S Orlando Ave, Winter Park, FL 32789
24 month CD
$500
4.00% ▲ 0.85% above Florida avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

Rate History
1 change since Sep 11, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 11, 2026: 3.50% APYSep 24, 2026: 4.00% APYSep 11, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.50%
  • Sep 11, 20263.50%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
24 Month CD
$0
4.00% ▲ 0.85% above Florida avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
24 Month Certificate of Deposit
$1,000
4.00% ▲ 0.85% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
24-Month IRA
$1,000
4.00% ▲ 0.85% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00% ▲ 0.85% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
24 Month Business Share Certificate/CD
$1,000
4.00% ▲ 0.85% above Florida avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
24 Month Regular and IRA Certificate of Deposit
$1,000
4.00% ▲ 0.85% above Florida avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Business Share Certificate - 24 months
$0
4.00% ▲ 0.85% above Florida avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.15%▲ 0.85% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026

Florida 36 Month CD Rates

MonitorBankRates Florida Average · 36 Month CD2.97% APY▲ 0.01% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Florida is 2.97% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
36 Month Certificate
$2,000
5.05% ▲ 2.08% above Florida avg
View
▼
Rate4.93%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 2.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 5.05% APY · checked 2 times
4.55%5.05%5.55%Oct 7, 2026: 5.05% APYOct 7, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
36 Month Certificate
$0
4.85% ▲ 1.88% above Florida avg
View
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.88% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.85% APY · checked 2 times
4.35%4.85%5.35%Oct 6, 2026: 4.85% APYOct 6, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1100 5th Ave S, Naples, FL 34102
Relationship CD - 36 Month
$0
4.60% ▲ 1.63% above Florida avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 1.63% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
8270 Ridge Rd, Port Richey, FL 34668
36 Month Bonus CD
$500
4.50% ▲ 1.53% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 1.53% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
36-month online CD
$25,000
4.50% ▲ 1.53% above Florida avg
View
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 1.53% above avgNationally 2.81%
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
3.02%4.13%5.24%Sep 18, 2026: 3.76% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.50%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
36 Month Jumbo Certificates
$100,000
4.32% ▲ 1.35% above Florida avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.35% above avgNationally 2.81%
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 6 times
3.82%4.32%4.82%Sep 14, 2026: 4.32% APYSep 14, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
36 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.28% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.28% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
36 Month Jumbo Certificate
$0
4.25% ▲ 1.28% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.28% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
36 Month Share Certificate
$0
4.25% ▲ 1.28% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.28% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
36 Month Youth Certificate
$0
4.25% ▲ 1.28% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.28% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
36 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.23% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3000 N University Dr, Sunrise, FL 33322 1611
36 Month Term Jumbo Certificate
$0
4.20% ▲ 1.23% above Florida avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.23% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.20%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term
$1,000,000
4.18% ▲ 1.21% above Florida avg
View
▼
Rate4.10%
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.21% above avgNationally 2.81%
Details

Tier: Super Jumbo Max

Rate History
No change since Oct 13, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 13, 2026: 4.18% APYOct 13, 2026Oct 13, 2026
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3400 W Commercial Blvd, Fort lauderdale, FL 33309
36 Month Jumbo Certificate
$20,000
4.17% ▲ 1.20% above Florida avg
View
▼
Rate4.10%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.20% above avgNationally 2.81%
Details

Jumbo; early withdrawal penalty applies

Rate History
No change since Oct 13, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 13, 2026: 4.17% APYOct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
955 W State Road 436, Altamonte Springs, FL 32714
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
36 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
36 Month CD
$0
4.15% ▲ 1.18% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
36 Month Certificate of Deposit
$1,000
4.15% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
36-Month IRA
$1,000
4.15% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15% ▲ 1.18% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
3 Years Add-On Certificate
$0
4.15% ▲ 1.18% above Florida avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.18% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
36 Month IRA Jumbo
$100,000
4.13% ▲ 1.16% above Florida avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3400 W Commercial Blvd, Fort lauderdale, FL 33309
36 Month Certificate
$1,000
4.12% ▲ 1.15% above Florida avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.15% above avgNationally 2.81%
Details

Early withdrawal penalty applies

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.12% ▲ 0.77 pts · high 4.12% / low 3.35%
2.58%3.74%4.89%Sep 14, 2026: 3.35% APYOct 5, 2026: 4.12% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.12%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
955 W State Road 436, Altamonte Springs, FL 32714
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.13% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1100 5th Ave S, Naples, FL 34102
CD - 36 Month
$0
4.10% ▲ 1.13% above Florida avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYSep 24, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
36 Month View Today's Full List of CD Offerings here
$100,000
4.10% ▲ 1.13% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.13% above Florida avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3000 N University Dr, Sunrise, FL 33322 1611
36 Month Term Certificate
$0
4.10% ▲ 1.13% above Florida avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1900 McCoy Rd, Orlando, FL 32809
36 Month Share Certificate
$0
4.07% ▲ 1.10% above Florida avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.97%▲ 1.10% above avgNationally 2.81%
Details

Balance: $1,000 - $4,999

Rate History
1 change since Sep 17, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45%
2.83%3.76%4.70%Sep 17, 2026: 3.45% APYSep 25, 2026: 4.07% APYSep 17, 2026Oct 13, 2026
  • Sep 25, 20264.07%▲ from 3.45%
  • Sep 17, 20263.45%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
36 Month Certificate
$1,000
4.07% ▲ 1.10% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 22, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 22, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 22, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
36 Month IRA
$1,000
4.07% ▲ 1.10% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 14, 2026: 3.82% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
36 Month Share Certificate
$0
4.06% ▲ 1.09% above Florida avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.97%▲ 1.09% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
36 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.08% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.08% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
36 Month Jumbo Certificates
$0
4.03% ▲ 1.06% above Florida avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.06% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.69% → 4.03% ▲ 0.34 pts · high 4.03% / low 3.69%
3.19%3.86%4.53%Sep 18, 2026: 3.69% APYOct 13, 2026: 4.03% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.03%▲ from 3.69%
  • Sep 18, 20263.69%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
Jumbo Certificates 36 Months
$0
4.03% ▲ 1.06% above Florida avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.06% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.69% → 4.03% ▲ 0.34 pts · high 4.03% / low 3.69%
3.19%3.86%4.53%Sep 14, 2026: 3.69% APYOct 13, 2026: 4.03% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.03%▲ from 3.69%
  • Sep 14, 20263.69%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus Certificates - 36 Month
$0
4.02% ▲ 1.05% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.05% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 1.05% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.05% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
8270 Ridge Rd, Port Richey, FL 34668
3 Year Rising Rate CD
$0
4.00% ▲ 1.03% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Minimum to Obtain: $500

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
8270 Ridge Rd, Port Richey, FL 34668
36 Month Bonus CD
$500
4.00% ▲ 1.03% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
36 Month View Today's Full List of CD Offerings here
$100,000
4.00% ▲ 1.03% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
36 Month Business Share Certificate/CD
$1,000
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
36 Month Regular and IRA Certificate of Deposit
$1,000
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Business Share Certificate - 36 months
$0
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 13, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Regular and IRA Certificate of Deposit - 36 months
$0
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
3 Year Business Share Certificates
$0
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
36 Month Standard Certificates
$0
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.00% ▲ 0.34 pts · high 4.00% / low 3.66%
3.16%3.83%4.50%Sep 14, 2026: 3.66% APYOct 13, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
Standard Certificates - 36 Months
$0
4.00% ▲ 1.03% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.97%▲ 1.03% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.00% ▲ 0.34 pts · high 4.00% / low 3.66%
3.16%3.83%4.50%Sep 14, 2026: 3.66% APYOct 13, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.66%
  • Sep 14, 20263.66%first recorded

Florida 48 Month CD Rates

MonitorBankRates Florida Average · 48 Month CD2.95% APY▼ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Florida is 2.95% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
48 Month Certificate
$2,000
5.10% ▲ 2.15% above Florida avg
View
▼
Rate4.97%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 2.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 5.10% APY · checked 2 times
4.60%5.10%5.60%Oct 7, 2026: 5.10% APYOct 7, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
48 Month Certificate
$0
4.95% ▲ 2.00% above Florida avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 2.00% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.95% APY · checked 2 times
4.45%4.95%5.45%Oct 6, 2026: 4.95% APYOct 6, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1100 5th Ave S, Naples, FL 34102
Relationship CD - 48 Month
$0
4.70% ▲ 1.75% above Florida avg
View
▼
Rate4.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 1.75% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
48 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.30% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.30% above avgNationally 2.80%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3000 N University Dr, Sunrise, FL 33322 1611
48 Month Term Jumbo Certificate
$0
4.25% ▲ 1.30% above Florida avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.30% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 14, 2026: 3.95% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1100 5th Ave S, Naples, FL 34102
CD - 48 Month
$0
4.20% ▲ 1.25% above Florida avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 1.25% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
48 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.25% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.25% above avgNationally 2.80%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
48 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
48 Month CD
$0
4.15% ▲ 1.20% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
48 Month Certificate of Deposit
$1,000
4.15% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
48-Month IRA
$1,000
4.15% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3000 N University Dr, Sunrise, FL 33322 1611
48 Month Term Certificate
$0
4.15% ▲ 1.20% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
48 Month IRA Jumbo
$100,000
4.13% ▲ 1.18% above Florida avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.18% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.13%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
48 Month Certificate
$1,000
4.07% ▲ 1.12% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.12% above avgNationally 2.80%
Details

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.87%
  • Sep 22, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
48 Month IRA
$1,000
4.07% ▲ 1.12% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.12% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYOct 10, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
48 Month Jumbo Certificates
$100,000
4.06% ▲ 1.11% above Florida avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.11% above avgNationally 2.80%
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
48 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 1.10% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.10% above avgNationally 2.80%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
4-Year Share Certificate
$1,000
4.03% ▲ 1.08% above Florida avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 1.08% above avgNationally 2.80%
Details

Early withdrawal penalty: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 8 times
3.53%4.03%4.53%Sep 14, 2026: 4.03% APYSep 14, 2026Oct 13, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
48 Month Jumbo Certificate
$0
4.00% ▲ 1.05% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.05% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus Certificates - 48 Month
$0
3.97% ▲ 1.02% above Florida avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 1.02% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 1.02% above Florida avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 1.02% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24201 Walden Center Dr, Estero, FL 34134
48 Month IRA/HSA CD - VIP Bonus
$500
3.90% ▲ 0.95% above Florida avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.95% above avgNationally 2.80%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
Jumbo Term Share Certificates - 4 Years
$0
3.90% ▲ 0.95% above Florida avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.95% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.85% ▲ 0.90% above Florida avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.90% above avgNationally 2.80%
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
5000 US Highway 1 N, St Augustine, FL 32095 6200
48 Month IRA Certificates
$0
3.81% ▲ 0.86% above Florida avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.86% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Certificates - 48 Month
$0
3.81% ▲ 0.86% above Florida avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.86% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
48 Month View Today's Full List of CD Offerings here
$200,000
3.80% ▲ 0.85% above Florida avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 0.85% above avgNationally 2.80%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
48 Month Share Certificate
$0
3.80% ▲ 0.85% above Florida avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
4 Year Term Share Certificates
$1,000
3.80% ▲ 0.85% above Florida avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
711 E Henderson Ave, Tampa, FL 33602
Jumbo Share Certificate - 48 months
$100,000
3.76% ▲ 0.81% above Florida avg
View
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.81% above avgNationally 2.80%
Details

Jumbo Share Certificate for opening deposits of $100,000 or more

Rate History
No change since Sep 25, 2026 · 3.76% APY · checked 4 times
3.26%3.76%4.26%Sep 25, 2026: 3.76% APYSep 25, 2026Oct 13, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.75% ▲ 0.80% above Florida avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details

Balance: $500,000-$749,999.99

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
1442 Kennedy Dr, Key West, FL 33040
48 Month IRA CD
$0
3.75% ▲ 0.80% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details

Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
1442 Kennedy Dr, Key West, FL 33040
Share Certificate - 48 Month
$0
3.75% ▲ 0.80% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details

Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
4 Year Certificate
$1,000
3.75% ▲ 0.80% above Florida avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details

Balance: $1,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 13, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
48 month IRA CD
$0
3.75% ▲ 0.80% above Florida avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 21, 2026: 3.75% APYSep 21, 2026Oct 13, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24201 Walden Center Dr, Estero, FL 34134
48 Month CD - VIP Bonus
$500
3.75% ▲ 0.80% above Florida avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details

VIP Relationship Reward Bonus; VIP Bonus Rate 3.69%; VIP Bonus APY 3.75%

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
48 Month Share Certificate
$0
3.75% ▲ 0.80% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
48 Month Youth Certificate
$0
3.75% ▲ 0.80% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
48 Month Business Fixed Rate Certificate
$1,000
3.72% ▲ 0.77% above Florida avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.77% above avgNationally 2.80%
Details

Compound Period: Daily

Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 6 times
3.22%3.72%4.22%Sep 14, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
405 SE 2nd PL, Gainesville, FL 32601 6808
48 Month Fixed Rate Certificate
$1,000
3.72% ▲ 0.77% above Florida avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.77% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Sep 18, 2026: 3.72% APYSep 18, 2026Oct 13, 2026
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
1201 S Orlando Ave, Winter Park, FL 32789
48 month CD
$500
3.70% ▲ 0.75% above Florida avg
View
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 0.75% above avgNationally 2.80%
Details

Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

Rate History
1 change since Sep 11, 2026 · 3.66% → 3.70% ▲ 0.04 pts · high 3.70% / low 3.66%
3.16%3.68%4.20%Sep 11, 2026: 3.66% APYSep 24, 2026: 3.70% APYSep 11, 2026Oct 13, 2026
  • Sep 24, 20263.70%▲ from 3.66%
  • Sep 11, 20263.66%first recorded
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
48 month IRA CD
$0
3.70% ▲ 0.75% above Florida avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.75% above avgNationally 2.80%
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 21, 2026: 3.70% APYSep 21, 2026Oct 13, 2026
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
48 Month IRA CD
$0
3.67% ▲ 0.72% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.72% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.47% → 3.67% ▲ 0.20 pts · high 3.67% / low 3.47%
2.97%3.57%4.17%Sep 18, 2026: 3.47% APYOct 10, 2026: 3.67% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20263.67%▲ from 3.47%
  • Sep 18, 20263.47%first recorded
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
48-Month CD
$0
3.67% ▲ 0.72% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.72% above avgNationally 2.80%
Details

Last updated 10/09/2026

Rate History
1 change since Sep 14, 2026 · 3.47% → 3.67% ▲ 0.20 pts · high 3.67% / low 3.47%
2.97%3.57%4.17%Sep 14, 2026: 3.47% APYOct 10, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.67%▲ from 3.47%
  • Sep 14, 20263.47%first recorded
EGLIN
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
48 Month Preferred Investment Certificates
$0
3.66% ▲ 0.71% above Florida avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.71% above avgNationally 2.80%
Details

see details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
5555 N Center Drive, Lake Buena Vista, FL 32830
48 Month Jumbo Certificate
$100,000
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
5555 N Center Drive, Lake Buena Vista, FL 32830
48 Month Traditional/Roth IRA Jumbo Certificate
$100,000
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 13, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
48 month CD
$0
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details

Balance: $100,000 and over

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Oct 13, 2026
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
3629 11th Ave N, Saint Petersburg, FL 33713
48 month IRA CD
$0
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details

Balance: $500 - $24,999.99

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Oct 13, 2026

Florida 60 Month CD Rates

MonitorBankRates Florida Average · 60 Month CD3.19% APY▲ 0.08% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Florida is 3.19% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
710 Carillon Pkwy, Saint Petersburg, FL 33716
60 Month Certificate
$2,000
5.20% ▲ 2.01% above Florida avg
View
▼
Rate5.07%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.19%▲ 2.01% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 5.20% APY · checked 2 times
4.70%5.20%5.70%Oct 7, 2026: 5.20% APYOct 7, 2026Oct 13, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1590 Northeast Miami Gardes Drive, North Miami Beach, FL 33179
60 Month Certificate
$0
5.00% ▲ 1.81% above Florida avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.81% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 6, 2026: 5.00% APYOct 6, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1100 5th Ave S, Naples, FL 34102
Relationship CD - 60 Month
$0
4.75% ▲ 1.56% above Florida avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.19%▲ 1.56% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1055 S Congress Ave, West Palm Beach, FL 33406 5195
Jumbo 60 Month Certificates
$0
4.75% ▲ 1.56% above Florida avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.56% above avgNationally 2.90%
Details

Jumbo 60 Month Certificates** - Minimum $75,000; Early Withdrawal Penalty: 180 days interest

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.75% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.75%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
8270 Ridge Rd, Port Richey, FL 34668
60 Month Bonus CD
$500
4.50% ▲ 1.31% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
60-month online CD
$25,000
4.50% ▲ 1.31% above Florida avg
View
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.19%▲ 1.31% above avgNationally 2.90%
Details

Online-only high-yield rates.

Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
3.02%4.13%5.24%Sep 18, 2026: 3.76% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.50%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
1055 S Congress Ave, West Palm Beach, FL 33406 5195
Regular 60 Month Certificates
$5,000
4.49% ▲ 1.30% above Florida avg
View
▼
Rate4.42%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.30% above avgNationally 2.90%
Details

Minimum $5,000; Early Withdrawal Penalty: 180 days interest

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.49% ▲ 0.40 pts · high 4.49% / low 4.09%
3.59%4.29%4.99%Sep 14, 2026: 4.09% APYOct 1, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.49%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
182 37th Ave N, Saint Petersburg, FL 33704
60-Month CD
$500
4.39% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.20% above avgNationally 2.90%
Details

90 days interest penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.39% APY · checked 6 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
60 Month View Today's Full List of CD Offerings here
$100,000
4.30% ▲ 1.11% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.11% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
60 Month Jumbo Certificates
$0
4.28% ▲ 1.09% above Florida avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.19%▲ 1.09% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.89% → 4.28% ▲ 0.39 pts · high 4.28% / low 3.89%
3.39%4.09%4.78%Sep 18, 2026: 3.89% APYOct 13, 2026: 4.28% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.28%▲ from 3.89%
  • Sep 18, 20263.89%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
Jumbo Certificates 60 Months
$0
4.28% ▲ 1.09% above Florida avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.19%▲ 1.09% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.89% → 4.28% ▲ 0.39 pts · high 4.28% / low 3.89%
3.39%4.09%4.78%Sep 14, 2026: 3.89% APYOct 13, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.28%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3400 W Commercial Blvd, Fort lauderdale, FL 33309
60 Month Jumbo Certificate
$20,000
4.28% ▲ 1.09% above Florida avg
View
▼
Rate4.20%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.19%▲ 1.09% above avgNationally 2.90%
Details

Jumbo; early withdrawal penalty applies

Rate History
No change since Oct 13, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 13, 2026: 4.28% APYOct 13, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
60 Month IRA Jumbo
$100,000
4.28% ▲ 1.09% above Florida avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 7 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1100 5th Ave S, Naples, FL 34102
CD - 60 Month
$0
4.25% ▲ 1.06% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
60 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.06% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
60 Month CD
$0
4.25% ▲ 1.06% above Florida avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
60 Month Certificate of Deposit
$1,000
4.25% ▲ 1.06% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
60-Month IRA
$1,000
4.25% ▲ 1.06% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6300 4th St N, Saint Petersburg, FL 33702
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25% ▲ 1.06% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
60 Month Standard Certificates
$0
4.25% ▲ 1.06% above Florida avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.86% → 4.25% ▲ 0.39 pts · high 4.25% / low 3.86%
3.36%4.06%4.75%Sep 14, 2026: 3.86% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.86%
  • Sep 14, 20263.86%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
4205 Hollywood Blvd, Hollywood, FL 33021
Standard Certificates - 60 Months
$0
4.25% ▲ 1.06% above Florida avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.86% → 4.25% ▲ 0.39 pts · high 4.25% / low 3.86%
3.36%4.06%4.75%Sep 14, 2026: 3.86% APYOct 13, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.86%
  • Sep 14, 20263.86%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3000 N University Dr, Sunrise, FL 33322 1611
60 Month Term Jumbo Certificate
$0
4.25% ▲ 1.06% above Florida avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 14, 2026: 3.95% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3400 W Commercial Blvd, Fort lauderdale, FL 33309
60 Month Certificate
$1,000
4.23% ▲ 1.04% above Florida avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.19%▲ 1.04% above avgNationally 2.90%
Details

Early withdrawal penalty applies

Rate History
1 change since Sep 14, 2026 · 3.35% → 4.23% ▲ 0.88 pts · high 4.23% / low 3.35%
2.47%3.79%5.11%Sep 14, 2026: 3.35% APYOct 5, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.23%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
60 Month Certificate
$1,000
4.23% ▲ 1.04% above Florida avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 22, 2026 · 4.23% APY · checked 5 times
3.73%4.23%4.73%Sep 22, 2026: 4.23% APYSep 22, 2026Oct 13, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
60 Month IRA
$1,000
4.23% ▲ 1.04% above Florida avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 1.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
60 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.01% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 1.01% above avgNationally 2.90%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
60 Month Term CD - Super Jumbo Max
$1,000,000
4.18% ▲ 0.99% above Florida avg
View
▼
Rate4.10%
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.19%▲ 0.99% above avgNationally 2.90%
Details

Regular CD; Tier: Super Jumbo Max

Rate History
No change since Oct 13, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 13, 2026: 4.18% APYOct 13, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
60 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 0.96% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 0.96% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24201 Walden Center Dr, Estero, FL 34134
60 Month IRA/HSA CD - VIP Bonus
$500
4.15% ▲ 0.96% above Florida avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.19%▲ 0.96% above avgNationally 2.90%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 13, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3000 N University Dr, Sunrise, FL 33322 1611
60 Month Term Certificate
$0
4.15% ▲ 0.96% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.96% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 0.91% above Florida avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.91% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
BROWARD HEALTHCARE
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
2350 W COMMERCIAL BLVD, FORT LAUDERDALE, FL 33309
60 Month Star/IRA Certificate
$50,000
4.10% ▲ 0.91% above Florida avg
View
▼
Rate4.02%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.91% above avgNationally 2.90%
Details

Call for weekly rates and information. Early withdrawal penalties apply.

Rate History
1 change since Sep 27, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 27, 2026: 3.85% APYOct 10, 2026: 4.10% APYSep 27, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.85%
  • Sep 27, 20263.85%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
5-Year Share Certificate
$1,000
4.08% ▲ 0.89% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.19%▲ 0.89% above avgNationally 2.90%
Details

Early withdrawal penalty: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 8 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1900 McCoy Rd, Orlando, FL 32809
60 Month Share Certificate
$0
4.07% ▲ 0.88% above Florida avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.19%▲ 0.88% above avgNationally 2.90%
Details

Balance: $1,000 - $4,999

Rate History
1 change since Sep 14, 2026 · 2.89% → 4.07% ▲ 1.19 pts · high 4.07% / low 2.89%
1.70%3.48%5.26%Sep 14, 2026: 2.89% APYSep 25, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.07%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
8916 Sabal Industrial Blvd, Tampa, FL 33619
60 Month Jumbo Certificates
$100,000
4.06% ▲ 0.87% above Florida avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.87% above avgNationally 2.90%
Details

Jumbo Certificate rates require a $100,000.00 minimum deposit. Contact a Consumer Financial Advocate or review your Important Account Information brochure for details on terms and conditions.

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1 Alhambra Plz, Coral Gables, FL 33134
60 Month View Today's Full List of CD Offerings here
$100,000
4.05% ▲ 0.86% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.19%▲ 0.86% above avgNationally 2.90%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 0.86% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.86% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1242 E 5th Ave Fl 4, Tampa, FL 33605
60 Month Certificate Account
$0
4.02% ▲ 0.83% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.19%▲ 0.83% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Sep 17, 2026: 4.02% APYSep 17, 2026Oct 13, 2026
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
1242 E 5th Ave Fl 4, Tampa, FL 33605
60 Month IRA Certificate Account
$0
4.02% ▲ 0.83% above Florida avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.19%▲ 0.83% above avgNationally 2.90%
Details

Balance: $100,000+

Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 4 times
3.52%4.02%4.52%Sep 17, 2026: 4.02% APYSep 17, 2026Oct 13, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
8270 Ridge Rd, Port Richey, FL 34668
60 Month Bonus CD
$500
4.00% ▲ 0.81% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
1442 Kennedy Dr, Key West, FL 33040
60 Month IRA CD
$0
4.00% ▲ 0.81% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
1442 Kennedy Dr, Key West, FL 33040
Share Certificate - 60 Month
$0
4.00% ▲ 0.81% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply

Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus Certificates - 60 Month
$0
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
5 Year Business Share Certificates
$0
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
24201 Walden Center Dr, Estero, FL 34134
60 Month CD - VIP Bonus
$500
4.00% ▲ 0.81% above Florida avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

VIP Relationship Reward Bonus; VIP Bonus Rate 3.93%; VIP Bonus APY 4.00%

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
129 S Kentucky Ave, Lakeland, FL 33801
60 Month Certificate
$1,000
4.00% ▲ 0.81% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Offer and rate valid as of October 1, 2026, and may be canceled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. The initial deposit cannot exceed $5 million per member or $10 million per address. Advertised Annual Percentage Yield (APY) for 60-month CD is 4.00%, based on the assumption that the funds will remain in the certificate until maturity. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6536 E Hillsborough Ave, Tampa, FL 33610
60 Month Jumbo Certificate
$0
4.00% ▲ 0.81% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.19%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Florida Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Raymond James Bank
60 Month Certificate
A+ 5.0 ★ TX: 3.19%
Min: $2,000
5.20%
Popular Direct
60 Month Certificate
A+ 5.0 ★ TX: 2.12%
Min: $0
5.00%
Third Federal Savings and Loan
6 Month Bonus CD
A+ 5.0 ★ TX: 2.32%
Min: $500
4.75%
Nicolet Bank
Relationship CD - 60 Month
A+ 5.0 ★ TX: 2.28%
Min: $0
4.75%
City National Bank of Florida
24-month online CD
A 5.0 ★ TX: 7.12%
Min: $25,000
4.50%
CU Top 5 Credit Union Rates
Platinum Federal Credit Union
12 Month Family Legacy Certificate Account
A+ 5.0 ★ TX: 1.89%
Min: $0
5.00%
First Choice Credit Union West Palm Beach, FL
Jumbo 60 Month Certificates
A+ 5.0 ★ TX: 2.64%
Min: $0
4.75%
Kinecta Federal Credit Union
18-Month Promo Certificate
A+ 5.0 ★ TX: 3.82%
Min: $100,000
4.50%
Suncoast Credit Union
18 Month Jumbo Certificate
A 5.0 ★ TX: 6.26%
Min: $0
4.50%
Launch Credit Union
18 Month Business Share Certificate
A 5.0 ★ TX: 7.61%
Min: $0
4.50%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Florida CD Rate Trends

Compare local Florida CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Florida CD Trends
12-Month CD FL Avg
3.217%
▲ 0.022 vs 7 days ago

Florida 12-month CD rates rose 0.022 points over the past 7 days to 3.217% APY.

6-Month CD FL Avg
3.063%
▲ 0.007 vs 7 days ago

Florida 6-month CD rates rose 0.007 points over the past 7 days to 3.063% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

FL CD Rate Forecast, Next 12 Months

Where are Florida CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

FL 12-Month Avg APY
3.217%
6-Month Forecast
3.217%
Range: 3.02%, 3.37%
12-Month Forecast
3.467%
Range: 3.27%, 3.62%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Florida average 12-month CD APY in our database.

Spread model: The Florida 12-month CD average currently trades 1.16% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at FL CD Rates Today

Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.

CD Term FL Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.062% $103.08 $206.15 $515.38 $1,030.75
6-Month CD 3.063% $153.17 $306.33 $765.83 $1,531.65
12-Month CD 3.217% $160.87 $321.74 $804.35 $1,608.70
18-Month CD 3.263% $163.14 $326.27 $815.68 $1,631.35
24-Month CD 3.152% $157.58 $315.15 $787.88 $1,575.75
36-Month CD 2.968% $148.41 $296.81 $742.03 $1,484.05
48-Month CD 2.949% $147.44 $294.88 $737.20 $1,474.40
60-Month CD 3.192% $159.58 $319.15 $797.88 $1,595.75
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Florida Savers

$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit FL Avg APY Annual Earnings
1 3-Month CD $5,000 2.062% $103.08
2 6-Month CD $5,000 3.063% $153.17
3 12-Month CD $5,000 3.217% $160.87
4 24-Month CD $5,000 3.152% $157.58
5 36-Month CD $5,000 2.968% $148.41
Total ($25,000 invested) $25,000 2.892% blended $723.11/yr

Ladder example uses equal $5,000 rungs and Florida average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
1,821
CD Rates
Tracked in Florida
38 Banks 70 Credit Unions

About Our Florida CD Rate Database

MonitorBankRates tracks 1,821 CD rates from 38 banks and 70 credit unions with locations in Florida, plus national online institutions available to Florida residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Raymond James Bank offers a CD at 5.20% APY with a minimum deposit of $2,000. Use the rate table above to compare all current offers in Florida.

How to Find the Best CD Rates in Florida

What to compare when shopping for a CD in Florida

To find the best APYs in Florida, start with credit unions and online-only banks: Florida has 70 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Florida

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Florida: 108 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Florida savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Florida money market rates

Florida Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
21.3%
National avg: 17.3%
Median Individual Earnings
$41,891
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$135/yr
At FL 12-mo avg 3.217% APY

21.3% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s FL 12-month CD average of 3.217%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $135 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Florida

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Florida

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Florida typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Florida as everywhere in the U.S.

Choosing a CD Term in Florida

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Florida savers easier access to their funds. For example, Third Federal Savings and Loan is offering its 6 Month Bonus CD at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Raymond James Bank is offering its 60 Month Certificate at 5.20% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Florida Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Florida saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Florida

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Florida CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Florida

Most CDs carry a fixed rate that is locked for the entire term, protecting a Florida depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Florida

Are CD rates in Florida FDIC insured?

Yes, most established banks in Florida are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Florida?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Florida.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Florida may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Florida?

Here are recent top rates found for this area:
  • Raymond James Bank: 5.20% APY (60 Month Certificate)
  • Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
  • Popular Direct: 5.00% APY (60 Month Certificate)
  • Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
  • Nicolet Bank: 4.75% APY (Relationship CD - 60 Month)
  • First Choice Credit Union West Palm Beach, FL: 4.75% APY (Jumbo 60 Month Certificates)
  • City National Bank of Florida: 4.50% APY (24-month online CD)
  • Kinecta Federal Credit Union: 4.50% APY (18-Month Promo Certificate)
  • Suncoast Credit Union: 4.50% APY (18 Month Jumbo Certificate)
  • Launch Credit Union: 4.50% APY (18 Month Business Share Certificate)
Rates reflect recent verified offers available in Florida. Last Updated: October 13, 2026

Florida CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Florida rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Florida CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Florida. Averages shown use the Florida state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Florida

Florida CD Calculator

At today’s FL top rate of 5.20% APY, a $10,000 deposit earns $520 in the first year. Enter your amount to see your exact return.

Florida CD Ladder

FL CD rates currently range from 2.062% (3-month) to 2.968% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Florida CD at 5.20% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Florida’s average 12-month CD is 3.217% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Florida CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Florida directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Florida. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in FL.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

Florida Rates & Resources

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Cities in Florida

  • Alachua
  • Alford
  • Altamonte Springs
  • Altha
  • Altoona
  • Alturas
  • Alva
  • Anna Maria
  • Anthony
  • Apalachicola
  • Apollo Beach
  • Apopka
  • Arcadia
  • Archer
  • Argyle
  • Aripeka
  • Astatula
  • Astor
  • Atlantic Beach
  • Atlantis
  • Auburndale
  • Aventura
  • Avon Park
  • Babson Park
  • Bagdad
  • Baker
  • Bal Harbour
  • Baldwin
  • Balm
  • Barberville
  • Bartow
  • Bascom
  • Bay Harbor Islands
  • Bay Lake
  • Bay Pines
  • Bell
  • Belle Glade
  • Belle Isle
  • Belleair
  • Belleair Beach
  • Belleair Bluffs
  • Belleair Shore
  • Belleview
  • Beverly Beach
  • Beverly Hills
  • Big Pine Key
  • Biscayne Park
  • Blountstown
  • Boca Grande
  • Boca Raton
  • Bokeelia
  • Bonifay
  • Bonita Springs
  • Bostwick
  • Bowling Green
  • Boynton Beach
  • Bradenton
  • Bradenton Beach
  • Bradley
  • Brandon
  • Branford
  • Briny Breezes
  • Bristol
  • Bronson
  • Brooker
  • Brooksville
  • Bryant
  • Bryceville
  • Bunnell
  • Bushnell
  • Callahan
  • Callaway
  • Campbellton
  • Canal Point
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