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CD Rate Trends

Loxahatchee, Florida Best CD Rates September 2026

Current Loxahatchee, Florida CD rates include Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.90%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Family Legacy Certificate Account at 5.00% APY, Raymond James BankRaymond James BankA+5.0 ★Texas Ratio: 3.19%Real return: +2.15%APY minus CPI (February 2026) offering Certificates of Deposit (CDs) - 60 Months at 4.95% APY, Third Federal Savings and LoanThird Federal Savings and LoanA+5.0 ★Texas Ratio: 2.32%Real return: +1.95%APY minus CPI (February 2026) offering 6 Month Bonus CD at 4.75% APY, Suncoast Credit UnionSuncoast Credit UnionA+5.0 ★Texas Ratio: 5.87%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month Jumbo Certificate at 4.50% APY, and Launch Credit UnionLaunch Credit UnionA+5.0 ★Texas Ratio: 1.92%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month Business Share Certificate at 4.50% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.

Loxahatchee is a smaller community with no bank or credit union branches currently in our database. 769 institutions serving the Florida area are available to Loxahatchee residents, with CD rates as high as 5.00% APY from Platinum Federal Credit Union. 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: September 22, 2026

Compare Best CD Rates in Loxahatchee, Florida & the Surrounding Area

Loxahatchee 3 Month CD Rates

National 3 Month CD Average2.06% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
3-month online CD
$25,000
4.00% ▲ 1.94% above national avg
Rate3.92%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details

Available for current 3-Month CD clients only. The advertised interest rates and Annual Percentage Yields (APY) are effective as of December 17th, 2025 and are subject to change daily without notice. The maximum amount allowed per client is $1,000,000.

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3 Month Jumbo Certificates
$0
4.00% ▲ 1.94% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.94% above avg
Details

SPECIAL OFFER THRU 9/30/26

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3 Month Standard Certificates
$0
4.00% ▲ 1.94% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.94% above avg
Details

SPECIAL OFFER THRU 9/30/26

Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
3 Month IRA CD
$0
3.75% ▲ 1.69% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
3 Month IRA Jumbo
$0
3.71% ▲ 1.65% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.65% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
3 Month Certificate
$1,000
3.66% ▲ 1.60% above national avg
Rate3.60%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.60% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
3 Month IRA
$0
3.66% ▲ 1.60% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.60% above avg
Details

EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month Performance CDs
$0
3.60% ▲ 1.54% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.49% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details

Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.

Newtek Bank
Institution Rating:
F1.0 ★Texas Ratio: 73.57%
3 Month CD
$2,500
3.50% ▲ 1.44% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details

Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Promotional Share Certificate
$0
3.50% ▲ 1.44% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.44% above avg
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3 Month Business Share Certificate
$0
3.45% ▲ 1.39% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.39% above avg
Details

Existing certificates only - no new accounts offered

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3 Month Share Certificates
$1,000
3.45% ▲ 1.39% above national avg
Rate3.40%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.39% above avg
Details

Existing certificates only - no new accounts offered

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
3 Months CD
$0
3.40% ▲ 1.34% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.34% above avg
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
3 Month Term Share Certificates
$1,000
3.40% ▲ 1.34% above national avg
Rate3.40%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.34% above avg
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Jumbo Term Share Certificates - 3 Months
$0
3.40% ▲ 1.34% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.34% above avg
Details

Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
3 Month Small Business Certificates of Deposit
$0
3.35% ▲ 1.29% above national avg
Rate3.29%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.29% above avg
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
3-Month Share Certificate
$1,000
3.35% ▲ 1.29% above national avg
Rate3.30%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.29% above avg
Details

Penalty for early withdrawal: 3 Months Dividends

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
3 Month IRA/HSA CD
$500
3.30% ▲ 1.24% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.24% above avg
Details

VIP Bonus APY: 3.55%

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3-Month Term Certificate
$0
3.25% ▲ 1.19% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.19% above avg
Details

Balance: $1,000,000 OR HIGHER

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3 Month Certificate
$1,000
3.25% ▲ 1.19% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3 Month IRA Certificate
$1,000
3.25% ▲ 1.19% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month Certificate
$500
3.25% ▲ 1.19% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month IRA Certificate
$500
3.25% ▲ 1.19% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details

IRA Certificate

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month Regular Certificate of Deposit
$500
3.25% ▲ 1.19% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
IRA Certificates - 3 Months
$500
3.25% ▲ 1.19% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
3 Month AMP Term Share Certificates
$0
3.25% ▲ 1.19% above national avg
Rate3.21%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details

Balance: $100

Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
90-Day IRA Certificate
$50
3.25% ▲ 1.19% above national avg
Rate3.20%
Min Deposit$50
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
90-Day Share Certificate
$1,000
3.25% ▲ 1.19% above national avg
Rate3.20%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details

Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$0
3.20% ▲ 1.14% above national avg
Rate3.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.14% above avg
Details

Balance: $50,000 or more

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3-Month Term Certificate
$0
3.15% ▲ 1.09% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details

Balance: $750,000-$999,999.99

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
3 Month CD
$500
3.15% ▲ 1.09% above national avg
Rate3.11%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.09% above avg
Details

VIP Bonus APY: 3.40%

Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
3 Month Certificate
$0
3.14% ▲ 1.08% above national avg
Rate3.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.08% above avg
Details

Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$0
3.10% ▲ 1.04% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.04% above avg
Details

Balance: $25,000 - $49,999

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Certificates of Deposit (CDs) - 90 Days
$2,000
3.05% ▲ 0.99% above national avg
Rate3.00%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month CDARS CDs
$0
3.05% ▲ 0.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details

Funding Limit*: $12M

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 3 Month
$0
3.05% ▲ 0.99% above national avg
Rate3.02%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details

Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month Certificate
$500
3.04% ▲ 0.98% above national avg
Rate3.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.98% above avg
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3-Month Term Certificate
$0
3.00% ▲ 0.94% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details

Balance: $50,000-$99,999.99

Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Certificate
$2,500
3.00% ▲ 0.94% above national avg
Rate2.96%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
3 Month Certificates of Deposit
$0
3.00% ▲ 0.94% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details

FL

Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$0
3.00% ▲ 0.94% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.94% above avg
Details

Balance: $500 - $24,999

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
3 Month Emergency Fund Certificate
$100
3.00% ▲ 0.94% above national avg
Rate2.96%
Min Deposit$100
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.94% above avg
Details

Maximum Certificate balance: $10,000

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
3-Month Emergency Fund Certificate
$0
3.00% ▲ 0.94% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.94% above avg
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
3 Month Compounding IRA Share Certificate
$0
3.00% ▲ 0.94% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
3 Month Compounding Share Certificates
$0
3.00% ▲ 0.94% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
3 Month Non-Compounding Share Certificate
$0
2.96% ▲ 0.90% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.90% above avg
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3-Month Term Certificate
$0
2.90% ▲ 0.84% above national avg
Rate2.86%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.84% above avg
Details

Balance: $500-$2,499.99

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
3 Month CD
$0
2.78% ▲ 0.72% above national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.72% above avg
Details

Term: 3 months (90 to 179 days)

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 3 Month
$0
2.75% ▲ 0.69% above national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details

Loxahatchee 6 Month CD Rates

National 6 Month CD Average2.76% APYUnchanged from last week
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%
6 Month Bonus CD
$0
4.75% ▲ 1.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.99% above avg
Details

Minimum to Obtain: $500

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
6-month CD
$10,000
4.25% ▲ 1.49% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.49% above avg
Details

Promotional CD offer valid for FL residents. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time.

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Certificates of Deposit (CDs) - 6 Months
$2,000
4.20% ▲ 1.44% above national avg
Rate4.11%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.44% above avg
Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 Month - Commercial^ Certificate
$0
4.15% ▲ 1.39% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details

Term: 6 Month - Commercial^; To receive these rates and terms the certificate must be opened under a commercial/business account with BCFCU. BCFCU reserves the right to end promotion at any time.

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month Fixed Rate Jumbo Certificates
$50,000
4.13% ▲ 1.37% above national avg
Rate4.05%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.37% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
6 Month IRA Jumbo
$0
4.12% ▲ 1.36% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.36% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month IRA CD
$0
4.10% ▲ 1.34% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.34% above avg
Details

Balance: $100,000 and over

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month Business Fixed Rate Certificates
$1,000
4.08% ▲ 1.32% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.32% above avg
Details

Compound Period: Daily

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month Fixed Rate Certificates
$1,000
4.08% ▲ 1.32% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.32% above avg
Details

Compound Period: Daily

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6-Month Penalty-Free CD
$500
4.07% ▲ 1.31% above national avg
Rate3.99%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.31% above avg
Details

No additional deposits allowed. No penalty for early withdrawals. The account matures in 6 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
6 Month Certificate
$1,000
4.07% ▲ 1.31% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.31% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
6 Month IRA
$0
4.07% ▲ 1.31% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.31% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month IRA CD
$0
4.05% ▲ 1.29% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details

Balance: $25,000 - $99,999.99

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
6 Month Jumbo Certificate
$100,000
4.01% ▲ 1.25% above national avg
Rate3.95%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.25% above avg
Details

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6-month online CD
$25,000
4.00% ▲ 1.24% above national avg
Rate3.92%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

The advertised interest rates and Annual Percentage Yields (APY) are effective as of December 17th, 2025 and are subject to change daily without notice. The maximum amount allowed per client is $1,000,000.

Newtek Bank
Institution Rating:
F1.0 ★Texas Ratio: 73.57%
6 Month CD
$2,500
4.00% ▲ 1.24% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

Term: Special 6-Month Fixed Rate2

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
6-Month Share Certificate
$1,000
4.00% ▲ 1.24% above national avg
Rate3.92%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Penalty for early withdrawal: 3 Months Dividends

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6 Month Certificate
$50,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

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

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6-Month Certificate
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

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

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Golden Eagle Certificates - 6-Month
$5,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month CD
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Call 800.593.2274 or visit a branch to open your CD and start saving today.

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 Month HSA CD
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $100,000 and over

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month IRA CD
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $500 - $24,999.99

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Business 6 month CD
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Balance: $100,000 and over

Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 Month Share Certificate
$0
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month CD
$0
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Call 800.593.2274 or visit a branch to open your CD and start saving today.

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 Month HSA CD
$0
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Balance: $25,000 - $99,999.99

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Business 6 month CD
$0
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

Balance: $25,000 - $99,999.99

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
6 Month Jumbo Certificate
$0
3.95% ▲ 1.19% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.19% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.90% ▲ 1.14% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.14% above avg
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.14% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 month CD
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Call 800.593.2274 or visit a branch to open your CD and start saving today.

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 Month HSA CD
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Balance: $500 - $24,999.99

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Business 6 month CD
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Balance: $500 - $24,999.99

Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
6 Month IRA CD
$0
3.85% ▲ 1.09% above national avg
Rate3.81%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6 Month IRA Share Certificate
$0
3.85% ▲ 1.09% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6 Month Share Certificates
$0
3.85% ▲ 1.09% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
3.82% ▲ 1.06% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.06% above avg
Details

About 6 Month CD

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6 Month Certificate
$0
3.82% ▲ 1.06% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.06% above avg
Details

Balance Required to Earn Dividend Rate: $1000.00

Miami Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6 Month Share Jumbo Certificate
$10,000
3.80% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.04% above avg
Details

New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD - Certificates of Deposit
$0
3.80% ▲ 1.04% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.80% ▲ 1.04% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.80% ▲ 1.04% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.80% ▲ 1.04% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 6-Month
$1,000
3.80% ▲ 1.04% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details

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

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 6 months
$1,000
3.80% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details

Balance: $100,000+

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Certificate
$1,000
3.76% ▲ 1.00% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.00% above avg
Details

Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.

BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
6-Month CD
$0
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Promotional Rate

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

All rates are Annual Percentage Yields.

Loxahatchee 12 Month CD Rates

National 12 Month CD Average2.95% APYUnchanged from last week
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: 1.90%
12 Month Family Legacy Certificate Account
$0
5.00% ▲ 2.05% above national avg
Rate4.91%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details

The Family Legacy Certificate Account must be opened within two years of the date of death. Eligibility is subject to verification.

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
12 Month IRA Certificate
$500
4.40% ▲ 1.45% above national avg
Rate4.33%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.45% above avg
Details

IRA Certificate

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
12 Month Regular Certificate of Deposit
$500
4.40% ▲ 1.45% above national avg
Rate4.33%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.45% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
12 Months Certificate
$500
4.40% ▲ 1.45% above national avg
Rate4.33%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.45% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
IRA Certificates - 12 Months
$500
4.40% ▲ 1.45% above national avg
Rate4.33%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.45% above avg
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
12 Month Online CD
$500
4.35% ▲ 1.40% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.40% above avg
Details

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Certificates of Deposit (CDs) - 12 Months
$2,000
4.35% ▲ 1.40% above national avg
Rate4.26%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.40% above avg
Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Traditional Teen 12 month CD Special
$0
4.33% ▲ 1.38% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.38% above avg
Details

Special; Tru Traditional/Roth IRA Accounts

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 Year Rising Rate CD
$0
4.25% ▲ 1.30% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details

Minimum to Obtain: $500

Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
12 Month IRA CD
$0
4.25% ▲ 1.30% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Starter Add-On Certificate
$0
4.25% ▲ 1.30% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.30% above avg
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month CD
$0
4.24% ▲ 1.29% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.29% above avg
Details

About 12 Month CD

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
12 Month IRA Jumbo
$0
4.23% ▲ 1.28% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.28% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
12 Month Certificate
$1,000
4.18% ▲ 1.23% above national avg
Rate4.10%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.23% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
12 Month IRA
$0
4.18% ▲ 1.23% above national avg
Rate4.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.23% above avg
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.15% ▲ 1.20% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12-Month Penalty-Free CD
$500
4.15% ▲ 1.20% above national avg
Rate4.07%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.20% above avg
Details

No additional deposits allowed. No penalty for early withdrawals. The account matures in 12 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings. This promotional rate offer may be modified, suspended, or terminated by Climate First Bank, in whole or in part, at any time and for any reason without prior notice.

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month Business Adjustable Rate Certificates
$1,000
4.14% ▲ 1.19% above national avg
Rate4.06%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.19% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month Certificate
$1,000
4.14% ▲ 1.19% above national avg
Rate4.06%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.19% above avg
Details

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 12-Month Fixed Rate
$0
4.11% ▲ 1.16% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.16% above avg
Details

Term: Special 12-Month Fixed Rate1

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
1-Year Share Certificate
$1,000
4.10% ▲ 1.15% above national avg
Rate4.02%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.15% above avg
Details

Penalty for early withdrawal: 3 Months Dividends

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12-Month Share Certificate
$500
4.10% ▲ 1.15% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.15% above avg
Details

effective 8/24/2026; minimum opening balance of $500. All terms are subject to early withdrawal penalty and/or fees which may reduce earnings. All programs, rates, and terms may change or be discontinued at any time without notice. Membership is required.

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Add-On Certificate
$0
4.10% ▲ 1.15% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
12 Month Certificate
$0
4.08% ▲ 1.13% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.13% above avg
Details

Balance Required to Earn Dividend Rate: $500.00

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month Fixed Rate Jumbo Certificates
$50,000
4.08% ▲ 1.13% above national avg
Rate4.00%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.13% above avg
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
12-Month Term Certificate
$0
4.05% ▲ 1.10% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.10% above avg
Details

Balance: $1,000,000 OR HIGHER

Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
1 Year Share Certificate
$0
4.05% ▲ 1.10% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.10% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month Business Fixed Rate Certificates
$1,000
4.03% ▲ 1.08% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.08% above avg
Details

Compound Period: Daily

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month Fixed Rate Certificates
$1,000
4.03% ▲ 1.08% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.08% above avg
Details

Compound Period: Daily

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
12 Month Jumbo Certificate
$100,000
4.01% ▲ 1.06% above national avg
Rate3.95%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.06% above avg
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1 Year Rising Rate CD
$0
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Minimum to Obtain: $500

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
12-month online CD
$25,000
4.00% ▲ 1.05% above national avg
Rate3.92%
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

The advertised interest rates and Annual Percentage Yields (APY) are effective as of December 17th, 2025 and are subject to change daily without notice. The maximum amount allowed per client is $1,000,000.

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
12-Month Term Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Balance: $750,000-$999,999.99

Newtek Bank
Institution Rating:
F1.0 ★Texas Ratio: 73.57%
12 Month CD
$2,500
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
12-month CD
$10,000
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Promotional CD offer valid for FL residents. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time.

Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 Month Certificate
$1,000
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1 Year Certificate Account
$0
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Promotional Share Certificate
$0
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
12 Month Certificate
$50,000
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

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

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
12-Month Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

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

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Golden Eagle Certificates - 12-Month
$5,000
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
Jumbo 12 Month Certificates
$0
4.00% ▲ 1.05% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

Minimum $75,000

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
12 Month IRA Share Certificate
$0
4.00% ▲ 1.05% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
12 Month Share Certificates
$0
4.00% ▲ 1.05% above national avg
Rate3.92%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
12-Month Term Certificate
$0
3.95% ▲ 1.00% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details

Balance: $500,000-$749,999.99

BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
12-Month CD
$1,000
3.95% ▲ 1.00% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details

Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. Early withdrawal penalty may apply if you withdraw any principal from the CD before the maturity date. Account fees could reduce earnings. Additional terms and conditions apply. Please refer to our Deposit Account Agreement and applicable Schedule of Fees for additional information. Offer cannot be combined with any other promotional rate, bonus rate or special rate offer. BankUnited reserves the right to cancel or modify this offer at any time. Interest rates and APYs displayed are available only for accounts opened in a BankUnited branch. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details. CD will automatically renew at maturity into a standard CD closest in term to the initial term (which may be shorter or longer than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
12 Month Bonus Certificates
$0
3.95% ▲ 1.00% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details

Balance: 12 Month

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
12 Month Bonus IRA Certificates
$0
3.95% ▲ 1.00% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details

Balance: 12 Month

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
12 Month Jumbo Certificate
$0
3.95% ▲ 1.00% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.00% above avg
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 1 year
$1,000
3.91% ▲ 0.96% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details

Balance: $100,000+

Loxahatchee 18 Month CD Rates

National 18 Month CD Average2.81% APY▼ 0.04% from last week
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%
Certificates of Deposit (CDs) - 18 Months
$2,000
4.55% ▲ 1.74% above national avg
Rate4.45%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.74% above avg
Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
18 Month Jumbo Certificate
$0
4.50% ▲ 1.69% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.69% above avg
Details

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
18 Month Share Certificate
$0
4.50% ▲ 1.69% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.69% above avg
Details

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
18 Month Youth Certificate
$0
4.50% ▲ 1.69% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.69% above avg
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18 Month Business Share Certificate
$0
4.50% ▲ 1.69% above national avg
Rate4.41%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.69% above avg
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18 Month Share Certificates
$1,000
4.50% ▲ 1.69% above national avg
Rate4.41%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.69% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
18 Month IRA Jumbo
$0
4.28% ▲ 1.47% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.47% above avg
Details

Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
18 Month IRA CD
$0
4.25% ▲ 1.44% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.44% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
18 Month Certificate
$1,000
4.23% ▲ 1.42% above national avg
Rate4.15%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.42% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
18 Month IRA
$0
4.23% ▲ 1.42% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.42% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.15% ▲ 1.34% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.34% above avg
Details

Interest Frequency: Monthly

Tampa Bay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.86%
18 Month Market Watch
$0
4.15% ▲ 1.34% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.34% above avg
Details

Balance: $500-$49,999; This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
18 Month IRA Share Certificate
$0
4.15% ▲ 1.34% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.34% above avg
Details

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
18 Month Share Certificates
$0
4.15% ▲ 1.34% above national avg
Rate4.07%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.34% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 18 Month
$0
4.10% ▲ 1.29% above national avg
Rate4.04%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.29% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.10% ▲ 1.29% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.29% above avg
Details

Interest Frequency: Semi

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month IRA Certificate
$500
4.10% ▲ 1.29% above national avg
Rate4.04%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.29% above avg
Details

IRA Certificate

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month Regular Certificate of Deposit
$500
4.10% ▲ 1.29% above national avg
Rate4.04%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.29% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Months Certificate
$500
4.10% ▲ 1.29% above national avg
Rate4.04%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.29% above avg
Details

Tropical Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
IRA Certificates - 18 Months
$500
4.10% ▲ 1.29% above national avg
Rate4.04%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.29% above avg
Details

Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
18 Month Share Certificate
$0
4.08% ▲ 1.27% above national avg
Rate4.01%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.27% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
4.05% ▲ 1.24% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 1.24% above avg
Details

Interest Frequency: Semi

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.00% ▲ 1.19% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details

Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month Certificate
$1,000
4.00% ▲ 1.19% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
4.00% ▲ 1.19% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 18 Month
$100,000
4.00% ▲ 1.19% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details

Newtek Bank
Institution Rating:
F1.0 ★Texas Ratio: 73.57%
18 Month CD
$2,500
3.95% ▲ 1.14% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
3.95% ▲ 1.14% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.14% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificates
$1,000
3.90% ▲ 1.09% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 18 Month
$1,000
3.90% ▲ 1.09% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details

M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 1.04% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.04% above avg
Details

Requires a qualifying checking account.

M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18-Month M&T Select CD
$0
3.85% ▲ 1.04% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.04% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month IRA CD
$0
3.85% ▲ 1.04% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.04% above avg
Details

Call 800.593.2274 or visit a branch to open your CD and start saving today.

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 18 Month
$0
3.80% ▲ 0.99% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.99% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
3.80% ▲ 0.99% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.99% above avg
Details

Interest Frequency: Monthly

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
18 Month Term Certificate
$0
3.77% ▲ 0.96% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 15, 2026
National Average2.81%▲ 0.96% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
18 month CD
$0
3.75% ▲ 0.94% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.94% above avg
Details

Balance: $500 - $24,999.99

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Business 18 month CD
$0
3.75% ▲ 0.94% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.94% above avg
Details

Balance: $500; Call 800.593.2274 or visit a branch to open your CD and start saving today.

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$100,000
3.70% ▲ 0.89% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.89% above avg
Details

Interest Frequency: Monthly

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month CD
$200,000
3.65% ▲ 0.84% above national avg
Rate
Min Deposit$200,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.84% above avg
Details

Interest Frequency: Monthly

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
18 Month Certificate
$1,000
3.65% ▲ 0.84% above national avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
18 Month IRA Certificate
$1,000
3.65% ▲ 0.84% above national avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
18 MONTH CERTIFICATE
$150,000
3.65% ▲ 0.84% above national avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
18 MONTH IRA CERT
$150,000
3.65% ▲ 0.84% above national avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65% ▲ 0.84% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65% ▲ 0.84% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
18 Month Compounding IRA Share Certificate
$0
3.65% ▲ 0.84% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
18 Month Compounding Share Certificates
$0
3.65% ▲ 0.84% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Months CD
$0
3.60% ▲ 0.79% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.79% above avg
Details

Loxahatchee 24 Month CD Rates

National 24 Month CD Average2.83% APY▼ 0.03% from last week
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%
Certificates of Deposit (CDs) - 24 Months
$2,000
4.65% ▲ 1.82% above national avg
Rate4.55%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.82% above avg
Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25% ▲ 1.42% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.42% above avg
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Traditional Kid's Club 24 month CD Special
$0
4.25% ▲ 1.42% above national avg
Rate4.17%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details

Special; Tru Traditional/Roth IRA Accounts

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CD
$100,000
4.20% ▲ 1.37% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.37% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Business Adjustable Rate Certificates
$1,000
4.20% ▲ 1.37% above national avg
Rate4.11%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.37% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Certificate
$1,000
4.20% ▲ 1.37% above national avg
Rate4.11%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.37% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 MONTH CERTIFICATE
$150,000
4.16% ▲ 1.33% above national avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.33% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 MONTH IRA CERT
$150,000
4.16% ▲ 1.33% above national avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.33% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 24 Month
$0
4.15% ▲ 1.32% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.32% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CD
$100,000
4.15% ▲ 1.32% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.32% above avg
Details

Interest Frequency: Semi

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 MONTH CERTIFICATE
$75,000
4.11% ▲ 1.28% above national avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.28% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 MONTH IRA CERT
$75,000
4.11% ▲ 1.28% above national avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.28% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CD
$100,000
4.10% ▲ 1.27% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.27% above avg
Details

Interest Frequency: Semi

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.27% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 MONTH CERTIFICATE
$1,000
4.06% ▲ 1.23% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.23% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
24 MONTH IRA CERT
$1,000
4.06% ▲ 1.23% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.23% above avg
Details

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
24 Month Jumbo Certificate
$100,000
4.06% ▲ 1.23% above national avg
Rate4.00%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.23% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.22% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month Certificate
$1,000
4.00% ▲ 1.17% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
24 Months Business Share Certificate/CD
$1,000
4.00% ▲ 1.17% above national avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: $1,000 - $9,999

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
24 Months CD
$1,000
4.00% ▲ 1.17% above national avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: $1,000 - $9,999

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: $100,000 and over

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
24 Month Jumbo Certificate
$0
4.00% ▲ 1.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Fixed Rate Jumbo Certificates
$50,000
3.98% ▲ 1.15% above national avg
Rate3.90%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.15% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Bonus Certificates
$0
3.96% ▲ 1.13% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.13% above avg
Details

Balance: 24 Month

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Bonus IRA Certificates
$0
3.96% ▲ 1.13% above national avg
Rate3.89%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.13% above avg
Details

Balance: 24 Month

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details

Balance: $50,000 - $99,999.99

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
2-Year Share Certificate
$1,000
3.93% ▲ 1.10% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.10% above avg
Details

Penalty for early withdrawal: 6 Months Dividends

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Business Fixed Rate Certificates
$1,000
3.93% ▲ 1.10% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.10% above avg
Details

Compound Period: Daily

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Fixed Rate Certificates
$1,000
3.93% ▲ 1.10% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.10% above avg
Details

Compound Period: Daily

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CD
$100,000
3.90% ▲ 1.07% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.07% above avg
Details

Interest Frequency: Monthly

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details

Balance: $1,000 - $49,999.99

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
24 Month IRA Share Certificate
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details

MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
24 Month Share Certificates
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
24 Month IRA Jumbo
$0
3.87% ▲ 1.04% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.04% above avg
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
24-Month Term Certificate
$0
3.85% ▲ 1.02% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.02% above avg
Details

Balance: $750,000-$999,999.99

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 24 Month
$0
3.85% ▲ 1.02% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.02% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
24 month IRA CD
$0
3.85% ▲ 1.02% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.02% above avg
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
24 Month Certificate
$0
3.82% ▲ 0.99% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.99% above avg
Details

Balance Required to Earn Dividend Rate: $1000.00

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
24 Month Certificate
$1,000
3.82% ▲ 0.99% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.99% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
24 Month IRA
$0
3.82% ▲ 0.99% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.99% above avg
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
24-Month Term Certificate
$0
3.80% ▲ 0.97% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.97% above avg
Details

Balance: $500,000-$749,999.99

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
24 Month Certificates
$0
3.80% ▲ 0.97% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details

Balance: 24 Month

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 2 years
$1,000
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.97% above avg
Details

Balance: $100,000+

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month Certificate
$1,000
3.80% ▲ 0.97% above national avg
Rate3.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.97% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month IRA Certificate
$1,000
3.80% ▲ 0.97% above national avg
Rate3.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.97% above avg
Details

Loxahatchee 36 Month CD Rates

National 36 Month CD Average2.75% APY▼ 0.03% from last week
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%
Certificates of Deposit (CDs) - 36 Months
$2,000
4.80% ▲ 2.05% above national avg
Rate4.69%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 2.05% above avg
Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
36 Month Bonus CD
$0
4.50% ▲ 1.75% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.75% above avg
Details

Minimum to Obtain: $500

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
36 Month Jumbo Certificate
$100,000
4.32% ▲ 1.57% above national avg
Rate4.25%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.57% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.25% ▲ 1.50% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.50% above avg
Details

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
36 Month Jumbo Certificate
$0
4.25% ▲ 1.50% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.50% above avg
Details

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
36 Month Share Certificate
$0
4.25% ▲ 1.50% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.50% above avg
Details

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
36 Month Youth Certificate
$0
4.25% ▲ 1.50% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.50% above avg
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 36 Month
$0
4.20% ▲ 1.45% above national avg
Rate4.14%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.45% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.20% ▲ 1.45% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.45% above avg
Details

Interest Frequency: Monthly

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.15% ▲ 1.40% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.40% above avg
Details

Interest Frequency: Semi

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
3 Years Add-On Certificate
$0
4.15% ▲ 1.40% above national avg
Rate4.09%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.40% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.10% ▲ 1.35% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.35% above avg
Details

Interest Frequency: Semi

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.35% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.35% above avg
Details

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
36 Month Share Certificates
$0
4.06% ▲ 1.31% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.31% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.05% ▲ 1.30% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.30% above avg
Details

Interest Frequency: Monthly

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.30% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.30% above avg
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
3 Year Rising Rate CD
$0
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.25% above avg
Details

Minimum to Obtain: $500

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
36 Month Bonus CD
$0
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.25% above avg
Details

Minimum to Obtain: $500

Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
36 Month Certificate
$1,000
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.25% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details

Interest Frequency: Monthly

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
36 Months Business Share Certificate/CD
$1,000
4.00% ▲ 1.25% above national avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Balance: $1,000 - $9,999

Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
36 Months CD
$1,000
4.00% ▲ 1.25% above national avg
Rate3.94%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Balance: $1,000 - $9,999

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 3 Year
$100,000
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
36 months Certificate of Deposit
$1,000
4.00% ▲ 1.25% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.25% above avg
Details

Offer and rate valid as of July 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. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
3-Year Share Certificate
$1,000
3.98% ▲ 1.23% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.23% above avg
Details

Penalty for early withdrawal: 9 Months Dividends

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus Certificates
$0
3.97% ▲ 1.22% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.22% above avg
Details

Balance: 36 Month

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Bonus IRA Certificates
$0
3.97% ▲ 1.22% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.22% above avg
Details

Balance: 36 Month

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.95% ▲ 1.20% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.20% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.95% ▲ 1.20% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.20% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.20% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.20% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
36 MONTH CERTIFICATE
$150,000
3.91% ▲ 1.16% above national avg
Rate
Min Deposit$150,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.16% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 3 Year
$1,000
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month Certificate
$1,000
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.15% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month IRA Certificate
$1,000
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.15% above avg
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
36 Month Term Jumbo Certificate
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.15% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
36 Month IRA Jumbo
$0
3.87% ▲ 1.12% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.12% above avg
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
36 MONTH CERTIFICATE
$75,000
3.85% ▲ 1.10% above national avg
Rate
Min Deposit$75,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.10% above avg
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
36 Month Term Certificate
$0
3.82% ▲ 1.07% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 15, 2026
National Average2.75%▲ 1.07% above avg
Details

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
36 Month Certificate
$2,500
3.82% ▲ 1.07% above national avg
Rate3.75%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.07% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month Business Fixed Rate Certificates
$1,000
3.82% ▲ 1.07% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.07% above avg
Details

Compound Period: Daily

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month Fixed Rate Certificates
$1,000
3.82% ▲ 1.07% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.07% above avg
Details

Compound Period: Daily

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
36 Month Certificate
$1,000
3.82% ▲ 1.07% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.07% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
36 Month IRA
$0
3.82% ▲ 1.07% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.07% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
36 Month Certificates
$0
3.81% ▲ 1.06% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.06% above avg
Details

Balance: 36 Month

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month CD
$100,000
3.80% ▲ 1.05% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details

Interest Frequency: Monthly

Loxahatchee 48 Month CD Rates

National 48 Month CD Average2.76% APY▼ 0.03% from last week
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%
Certificates of Deposit (CDs) - 48 Months
$2,000
4.85% ▲ 2.09% above national avg
Rate4.74%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 2.09% above avg
Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 48 Month
$0
4.25% ▲ 1.49% above national avg
Rate4.18%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.49% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.25% ▲ 1.49% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.49% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.20% ▲ 1.44% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.44% above avg
Details

Interest Frequency: Monthly

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.15% ▲ 1.39% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.39% above avg
Details

Interest Frequency: Semi

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
48 Month Jumbo Certificate
$100,000
4.06% ▲ 1.30% above national avg
Rate4.00%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.30% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$100,000
4.05% ▲ 1.29% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.29% above avg
Details

Interest Frequency: Semi

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
4-Year Share Certificate
$1,000
4.03% ▲ 1.27% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.27% above avg
Details

Penalty for early withdrawal: 9 Months Dividends

Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
48 Month Certificate
$1,000
4.00% ▲ 1.24% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
48 Month Jumbo Certificate
$0
4.00% ▲ 1.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Bonus Certificates
$0
3.97% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details

Balance: 48 Month

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Bonus IRA Certificates
$0
3.97% ▲ 1.21% above national avg
Rate3.90%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.21% above avg
Details

Balance: 48 Month

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 Month Term Jumbo Certificate
$0
3.95% ▲ 1.19% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.19% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
48 Month IRA Jumbo
$0
3.92% ▲ 1.16% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.16% above avg
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Jumbo Term Share Certificates - 4 Years
$0
3.90% ▲ 1.14% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
48 Month Certificate
$1,000
3.87% ▲ 1.11% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.11% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
48 Month IRA
$0
3.87% ▲ 1.11% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.11% above avg
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
48-Month Term Certificate
$0
3.85% ▲ 1.09% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details

Balance: $750,000-$999,999.99

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 Month Term Certificate
$0
3.85% ▲ 1.09% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
48 Month Term Certificate
$0
3.82% ▲ 1.06% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 15, 2026
National Average2.76%▲ 1.06% above avg
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
48 Month Certificates
$0
3.81% ▲ 1.05% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.05% above avg
Details

Balance: 48 Month

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CD
$200,000
3.80% ▲ 1.04% above national avg
Rate
Min Deposit$200,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details

Interest Frequency: Monthly

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
48 Month Share Certificates
$0
3.80% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
4 Year Term Share Certificates
$1,000
3.80% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
48-Month Term Certificate
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Balance: $500,000-$749,999.99

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 48 Month
$0
3.75% ▲ 0.99% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD - Certificates of Deposit
$0
3.75% ▲ 0.99% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificates of Deposit
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 48 Month
$0
3.75% ▲ 0.99% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 48 Month
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

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

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 48-Month
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

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

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
48 Month IRA CD
$20,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$20,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details

Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
48 Month Share Certificate
$10,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details

Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Certificates 4 years
$1,000
3.75% ▲ 0.99% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details

Balance: $1,000.00+

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month IRA CD
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details

Balance: $100,000 and over

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
48 Month Share Certificate
$0
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
48 Month Youth Certificate
$0
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48 Month Business Fixed Rate Certificates
$1,000
3.72% ▲ 0.96% above national avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.96% above avg
Details

Compound Period: Daily

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48 Month Fixed Rate Certificates
$1,000
3.72% ▲ 0.96% above national avg
Rate3.65%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.96% above avg
Details

Compound Period: Daily

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month IRA CD
$0
3.70% ▲ 0.94% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details

Balance: $25,000 - $99,999.99

Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
48 month CD
$500
3.66% ▲ 0.90% above national avg
Rate3.59%
Min Deposit$500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.90% above avg
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.

EGLIN
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
48 Month Certificate
$0
3.66% ▲ 0.90% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.90% above avg
Details

EGLIN
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
48 Month Preferred Investment Certificates
$0
3.66% ▲ 0.90% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.90% above avg
Details

see details

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
48 Month Jumbo Certificate
$100,000
3.65% ▲ 0.89% above national avg
Rate3.58%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details

Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
Traditional/Roth IRA Jumbo 48-Month Certificate
$100,000
3.65% ▲ 0.89% above national avg
Rate3.58%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month CD
$0
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $100,000 and over

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 month IRA CD
$0
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $500 - $24,999.99

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Business 48 month CD
$0
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $100,000 and over

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate
$1,000
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details

First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month IRA Certificate
$1,000
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details

Loxahatchee 60 Month CD Rates

National 60 Month CD Average2.83% APY▼ 0.05% from last week
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%
Certificates of Deposit (CDs) - 60 Months
$2,000
4.95% ▲ 2.12% above national avg
Rate4.83%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 2.12% above avg
Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
60 Month Bonus CD
$0
4.50% ▲ 1.67% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.67% above avg
Details

Minimum to Obtain: $500

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
60-Month CD
$500
4.39% ▲ 1.56% above national avg
Rate4.30%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.56% above avg
Details

No additional deposits allowed. If Principal is withdrawn before the maturity date, a penalty equal to 90 days' interest will apply. The account matures in 60 months and will automatically renew to the same term CD unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 60 Month
$0
4.35% ▲ 1.52% above national avg
Rate4.28%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.52% above avg
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
Jumbo 60 Month Certificates
$0
4.35% ▲ 1.52% above national avg
Rate4.28%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details

Minimum $75,000

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.30% ▲ 1.47% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.47% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
60 Month IRA Jumbo
$0
4.28% ▲ 1.45% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.45% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.25% ▲ 1.42% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.42% above avg
Details

Interest Frequency: Semi

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
60 Month Certificate
$1,000
4.23% ▲ 1.40% above national avg
Rate4.15%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.40% above avg
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.40%
60 Month IRA
$0
4.23% ▲ 1.40% above national avg
Rate4.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.40% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.20% ▲ 1.37% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.37% above avg
Details

Interest Frequency: Monthly

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.15% ▲ 1.32% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.32% above avg
Details

Interest Frequency: Semi

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.27% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
Regular 60 Month Certificates
$5,000
4.09% ▲ 1.26% above national avg
Rate4.03%
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.26% above avg
Details

Minimum $5,000

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
5-Year Share Certificate
$1,000
4.08% ▲ 1.25% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.25% above avg
Details

Penalty for early withdrawal: 9 Months Dividends

Coast 2 Coast Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
60 Month Jumbo Certificate
$100,000
4.06% ▲ 1.23% above national avg
Rate4.00%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.23% above avg
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$100,000
4.05% ▲ 1.22% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.22% above avg
Details

Interest Frequency: Semi

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.22% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Certificate
$0
4.02% ▲ 1.19% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.19% above avg
Details

Balance: $100,000+

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month IRA Certificate Account
$0
4.02% ▲ 1.19% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.19% above avg
Details

Balance: $100,000+

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Certificate Account - 60 months
$0
4.02% ▲ 1.19% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.19% above avg
Details

Balance: $100,000+

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
60 Month Bonus CD
$0
4.00% ▲ 1.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details

Minimum to Obtain: $500

Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
60 Month Certificate
$1,000
4.00% ▲ 1.17% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.17% above avg
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
60 Month IRA CD
$20,000
4.00% ▲ 1.17% above national avg
Rate
Min Deposit$20,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% above avg
Details

Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
60 Month Share Certificate
$10,000
4.00% ▲ 1.17% above national avg
Rate
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.17% above avg
Details

Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Bonus Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: 60 Month

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
60 Month Bonus IRA Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: 60 Month

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Business Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 5 Year
$100,000
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
60 months Certificate of Deposit
$1,000
4.00% ▲ 1.17% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Offer and rate valid as of July 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. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.

Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
60 Month Jumbo Certificate
$0
4.00% ▲ 1.17% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Jumbo Term Share Certificates - 5 Years
$0
4.00% ▲ 1.17% above national avg
Rate3.94%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Business Share Certificates
$0
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates
$0
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 Month Term Jumbo Certificate
$0
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.12% above avg
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Certificate
$0
3.92% ▲ 1.09% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.09% above avg
Details

Balance: $500 - $99,999.99

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month IRA Certificate Account
$0
3.92% ▲ 1.09% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.09% above avg
Details

Balance: $500 - $99,999.99

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
IRA Certificate Account - 60 months
$0
3.92% ▲ 1.09% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.09% above avg
Details

Balance: $500 - $99,999.99

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month CD
$200,000
3.90% ▲ 1.07% above national avg
Rate
Min Deposit$200,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 1.07% above avg
Details

Interest Frequency: Monthly

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Business Share Certificates
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 5 Year
$1,000
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
60 Mo. IRA CD VIP
$0
3.90% ▲ 1.07% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
60 Month IRA/HSA CD
$500
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details

VIP Bonus APY: 4.15%

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
5 Year Term Share Certificates
$1,000
3.90% ▲ 1.07% above national avg
Rate3.84%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
60 Month Jumbo Certificates
$0
3.89% ▲ 1.06% above national avg
Rate3.82%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.06% above avg
Details

Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
60 Month Certificate
$0
3.87% ▲ 1.04% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.04% above avg
Details

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 Loxahatchee, Florida Institutions

Highest verified APYs available today, updated September 22, 2026

B Top 5 Bank Rates
Raymond James Bank
Certificates of Deposit (CDs) - 60 Months
A+ 5.0 ★ TX: 3.19%
Min: $2,000
4.95%
Third Federal Savings and Loan
6 Month Bonus CD
A+ 5.0 ★ TX: 2.32%
Min: $0
4.75%
Climate First Bank
60-Month CD
A+ 5.0 ★ TX: 1.15%
Min: $500
4.39%
Nicolet Bank
Relationship CD - 60 Month
A+ 5.0 ★ TX: 3.26%
Min: $0
4.35%
Anthem Bank & Trust
60 Month CD
A+ 5.0 ★ TX: 3.32%
Min: $100,000
4.30%
CU Top 5 Credit Union Rates
Platinum Federal Credit Union
12 Month Family Legacy Certificate Account
A+ 5.0 ★ TX: 1.90%
Min: $0
5.00%
Suncoast Credit Union
18 Month Jumbo Certificate
A+ 5.0 ★ TX: 5.87%
Min: $0
4.50%
Launch Credit Union
18 Month Business Share Certificate
A+ 5.0 ★ TX: 1.92%
Min: $0
4.50%
Tropical Financial Credit Union
12 Month IRA Certificate
A+ 5.0 ★ TX: 5.63%
Min: $500
4.40%
First Choice Credit Union West Palm Beach, FL
Jumbo 60 Month Certificates
A+ 5.0 ★ TX: 2.08%
Min: $0
4.35%
Rates verified September 22, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Loxahatchee, FL CD Rate Trends

Compare local Loxahatchee, FL 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
2.945%
▲ 0.004 vs 7 days ago

Florida 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.

6-Month CD FL Avg
2.760%
Unchanged vs 7 days ago

Florida 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.

As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

FL CD Rate Forecast, Next 12 Months

Where are Florida CD rates headed through September 2027?

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

FL 12-Month Avg APY
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%

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 1.43% 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 2.055% $102.77 $205.54 $513.85 $1,027.70
6-Month CD 2.760% $137.99 $275.97 $689.93 $1,379.85
12-Month CD 2.945% $147.27 $294.54 $736.35 $1,472.70
18-Month CD 2.813% $140.67 $281.33 $703.32 $1,406.65
24-Month CD 2.833% $141.64 $283.27 $708.18 $1,416.35
36-Month CD 2.754% $137.68 $275.36 $688.40 $1,376.80
48-Month CD 2.759% $137.97 $275.93 $689.82 $1,379.65
60-Month CD 2.834% $141.70 $283.39 $708.48 $1,416.95
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026.

Sample CD Ladder for Loxahatchee, 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 2.055% $102.77
2 6-Month CD $5,000 2.760% $137.99
3 12-Month CD $5,000 2.945% $147.27
4 24-Month CD $5,000 2.833% $141.64
5 36-Month CD $5,000 2.754% $137.68
Total ($25,000 invested) $25,000 2.669% blended $667.35/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.

1,624
CD Rates
Tracked in Loxahatchee, Florida
32 Banks 70 Credit Unions

About Our Loxahatchee, Florida CD Rate Database

MonitorBankRates tracks 1,624 CD rates from 32 banks and 70 credit unions with locations in Loxahatchee, 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 (1–5), 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: Platinum Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Loxahatchee, Florida.

How to Find the Best CD Rates in Loxahatchee, Florida

What to compare when shopping for a CD in Loxahatchee, Florida

To find the best APYs in Loxahatchee, Florida, start with credit unions and online-only banks: Loxahatchee, 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 Loxahatchee, 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 Loxahatchee, Florida: 102 institutions here report CD rates

Consider an Alternative If…

Florida Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

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
$123/yr
At FL 12-mo avg 2.945% 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 2.945%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $123 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 Loxahatchee, 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 (90–180 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 Loxahatchee, 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 Loxahatchee, 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 Loxahatchee, Florida as everywhere in the U.S.

Choosing a CD Term in Loxahatchee, 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 Loxahatchee, 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 Certificates of Deposit (CDs) - 60 Months at 4.95% 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 Loxahatchee, 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 Loxahatchee, 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 Loxahatchee, 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 Loxahatchee, 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 Loxahatchee, Florida

Most CDs carry a fixed rate that is locked for the entire term, protecting a Loxahatchee, 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 Loxahatchee, Florida

Are CD rates in Loxahatchee, Florida FDIC insured?

Yes, most established banks in Loxahatchee, 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 Loxahatchee, 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 Loxahatchee, 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 Loxahatchee, 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 Loxahatchee, Florida?

Here are recent top rates found for this area:
  • Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
  • Raymond James Bank: 4.95% APY (Certificates of Deposit (CDs) - 60 Months)
  • Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
  • Suncoast Credit Union: 4.50% APY (18 Month Jumbo Certificate)
  • Launch Credit Union: 4.50% APY (18 Month Business Share Certificate)
  • Tropical Financial Credit Union: 4.40% APY (12 Month IRA Certificate)
  • Climate First Bank: 4.39% APY (60-Month CD)
  • Nicolet Bank: 4.35% APY (Relationship CD - 60 Month)
  • First Choice Credit Union West Palm Beach, FL: 4.35% APY (Jumbo 60 Month Certificates)
  • Tru Fi-Credit Union: 4.33% APY (Traditional Teen 12 month CD Special)
Rates reflect recent verified offers available in Loxahatchee, Florida. Last Updated: September 22, 2026

Loxahatchee, 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 Loxahatchee, 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 30–180 days of interest. Estimates are for informational purposes only.

Top Loxahatchee, Florida CD Rates by Term

Verified September 22, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Loxahatchee, Florida. Averages shown use the Florida state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Loxahatchee, 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 Loxahatchee, 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 Loxahatchee, 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: September 22, 2026

Loxahatchee, Florida Rates & Resources