Miami, Florida Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Miami, Florida CD rates range from 0.01% to 5.20% APY, verified by MonitorBankRates as of October 13, 2026. Current Miami, Florida CD rates include Popular DirectPopular Direct8180 Nw 36th St, Miami, FL 33166A+5.0 ★Texas Ratio: 2.12%Real return: +2.20%APY minus CPI (February 2026) offering 60 Month Certificate at 5.00% APY, City National Bank of FloridaCity National Bank of Florida25 W Flagler St, Miami, FL 33130A5.0 ★Texas Ratio: 7.12%Real return: +1.70%APY minus CPI (February 2026) offering 24-month online CD at 4.50% APY, HSBC Bank USAHSBC Bank USA1441 Brickell Ave, Miami, FL 33131A+5.0 ★Texas Ratio: 4.86%Real return: +1.65%APY minus CPI (February 2026) offering 24 Month CD at 4.45% APY, Tropical Financial Credit UnionTropical Financial Credit Union20395 NW 2nd Ave, Miami, FL 33169A5.0 ★Texas Ratio: 6.93%Real return: +1.60%APY minus CPI (February 2026) offering 12 Month IRA Certificate at 4.40% APY, and Navy Federal Credit UnionNavy Federal Credit Union909 Brickell Plz Ste 100, Miami, FL 33131 3032A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.
Miami has 400 local institutions in our database, with CD rates as high as 5.00% APY from Popular Direct at 8180 Nw 36th St, Miami, FL 33166. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Florida area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026
Compare Best CD Rates in Miami, Florida & the Surrounding Area
Miami 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
3 Month Certificate
$0
4.30%
▲ 2.22% above Florida avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 2.22% above avgNationally 2.09%
Details
Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
25 W Flagler St, Miami, FL 33130
3-month online CD
$25,000
4.00%
▲ 1.92% above Florida avg
▼
Rate3.92%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 1.92% above avgNationally 2.09%
Details
Available for current 3-Month CD clients only. Online-only high-yield rates.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1395 Brickell Ave, Miami, FL 33131
3 month CD
$1,000
3.85%
▲ 1.77% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.77% above avgNationally 2.09%
Details
Special CD Rates for Continental U.S.
Rate History
1 change since Sep 30, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 6, 20263.85%▲ from 3.80%
- Sep 30, 20263.80%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
3 Month Promotional Share Certificate
$0
3.75%
▲ 1.67% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details
Limited time offer valid starting August 2026; $500 minimum opening deposit
Rate History
2 changes since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.20%
- Oct 13, 20263.75%▲ from 3.20%
- Oct 5, 20263.20%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
3 Month CD
$0
3.75%
▲ 1.67% above Florida avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details
Effective Date: September 21, 2026
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
3 Month IRA CD
$500
3.75%
▲ 1.67% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Sep 22, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1001 Brickell Bay Dr, Miami, FL 33131
3-Month Certificate of Deposit
$500
3.55%
▲ 1.47% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 1.47% above avgNationally 2.09%
Details
Earn 3.55% APY on balances of $500 or more.
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
3 Month CD
$2,500
3.50%
▲ 1.42% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 1.42% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1150 S Miami Ave, Miami, FL 33130
3-Month CD
$0
3.25%
▲ 1.17% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
3 Month Certificate
$500
3.25%
▲ 1.17% above Florida avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
3 Month IRA Certificate
$500
3.25%
▲ 1.17% above Florida avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate - 3 Months
$500
3.25%
▲ 1.17% above Florida avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
3 Month Share Certificate
$0
3.20%
▲ 1.12% above Florida avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.12% above avgNationally 2.09%
Details
Balance: $50,000 or more; Dividends paid MONTHLY; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
3 Month Share Certificate
$0
3.10%
▲ 1.02% above Florida avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.02% above avgNationally 2.09%
Details
Balance: $25,000 - $49,999; Dividends paid MONTHLY; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
3 Month Certificate of Deposit
$0
3.00%
▲ 0.92% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 0.92% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
3 Month Share Certificate
$0
3.00%
▲ 0.92% above Florida avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 0.92% above avgNationally 2.09%
Details
Balance: $500 - $24,999; Dividends paid MONTHLY; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
3 Month Certificate
$0
2.94%
▲ 0.86% above Florida avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 0.86% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 3 Months
$1,000
2.25%
▲ 0.17% above Florida avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 0.17% above avgNationally 2.09%
Details
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 3 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
3 Month Certificate
$1,000
1.64%
▼ 0.44% below Florida avg
▼
Rate1.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.08%▼ 0.44% below avgNationally 2.09%
Details
New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Rate History
No change since Sep 14, 2026 · 1.64% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Share Certificate - 3 month
$100,000
1.12%
▼ 0.96% below Florida avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.08%▼ 0.96% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 1.12% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Traditional and Roth IRA Certificate - 3 month
$100,000
1.12%
▼ 0.96% below Florida avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.08%▼ 0.96% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 1.12% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Share Certificate - 3 month
$500
1.02%
▼ 1.06% below Florida avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.08%▼ 1.06% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
- Oct 12, 20261.02%▼ from 1.12%
- Sep 25, 20261.12%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA Certificate - 3 month
$500
1.02%
▼ 1.06% below Florida avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.08%▼ 1.06% below avgNationally 2.09%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 1.02% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
3 Month - Relationship
$0
1.00%
▼ 1.08% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 1.08% below avgNationally 2.09%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
3 Month Certificate
$0
1.00%
▼ 1.08% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 1.08% below avgNationally 2.09%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
3 Month TD Choice CD
$250
1.00%
▼ 1.08% below Florida avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 1.08% below avgNationally 2.09%
Details
Relationship APY; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
1801 Sw 1st St, Miami, FL 33135
3 Month Certificate
$0
1.00%
▼ 1.08% below Florida avg
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 1.08% below avgNationally 2.09%
Details
Disclosure
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
3 Month Share Certificates
$500
0.70%
▼ 1.38% below Florida avg
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▼ 1.38% below avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 5 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
3-month term
$0
0.60%
▼ 1.48% below Florida avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▼ 1.48% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Certificates and IRA Certificates - 3-Month
$0
0.50%
▼ 1.58% below Florida avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▼ 1.58% below avgNationally 2.09%
Details
Fixed rate; dividends compounded monthly
Rate History
No change since Oct 13, 2026 · 0.50% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
3-month term Standard CD
$0
0.50%
▼ 1.58% below Florida avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▼ 1.58% below avgNationally 2.09%
Details
Regular APY
Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3275 Nw 79th St, Miami, FL 33147
UNITY 90 Day CD
$0
0.10%
▼ 1.98% below Florida avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.08%▼ 1.98% below avgNationally 2.09%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3275 Nw 79th St, Miami, FL 33147
UNITY 90 Day IRA CD
$0
0.10%
▼ 1.98% below Florida avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.08%▼ 1.98% below avgNationally 2.09%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
300 S Biscayne Blvd, Miami, FL 33131
3 month Standard Fixed Rate
$2,500
0.06%
▼ 2.02% below Florida avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 2.02% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
300 S Biscayne Blvd, Miami, FL 33131
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.02% below Florida avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 2.02% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
300 S Biscayne Blvd, Miami, FL 33131
3 month Standard Fixed Rate
$2,500
0.05%
▼ 2.03% below Florida avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 2.03% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
3 Month Certificate of Deposit
$0
0.03%
▼ 2.05% below Florida avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 2.05% below avgNationally 2.09%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
3 Month Certificate of Deposit
$0
0.02%
▼ 2.06% below Florida avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 2.06% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
3 Month Certificate of Deposit
$0
0.01%
▼ 2.07% below Florida avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 2.07% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 month Business Share Certificates
$0
3.75%
▲ 1.67% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 3.75% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 month Share Certificates
$0
3.75%
▲ 1.67% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details
Balance: $1,000 to $24,999; Rates effective as of 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
Share Certificates - 3 month
$1,000
3.75%
▲ 1.67% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details
Balance: $25,000 to $99,999; Dividends compounded and paid quarterly
Rate History
No change since Oct 13, 2026 · 3.75% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.71%
▲ 1.63% above Florida avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.63% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 7 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Certificate
$1,000
3.66%
▲ 1.58% above Florida avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.58% above avgNationally 2.09%
Details
Rate History
No change since Sep 22, 2026 · 3.66% APY · checked 5 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66%
▲ 1.58% above Florida avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.58% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CD
$0
3.60%
▲ 1.52% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 1.52% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60%
▲ 1.52% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Florida Average2.08%▲ 1.52% above avgNationally 2.09%
Details
Rate History
No change since Sep 29, 2026 · 3.60% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60%
▲ 1.52% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Florida Average2.08%▲ 1.52% above avgNationally 2.09%
Details
Rate History
No change since Sep 29, 2026 · 3.60% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD - VIP Bonus
$500
3.55%
▲ 1.47% above Florida avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.47% above avgNationally 2.09%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.55% APY
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Business Share Certificate
$0
3.45%
▲ 1.37% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.37% above avgNationally 2.09%
Details
Existing certificates only - no new accounts offered
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 5 times
Miami 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
6 Month Certificate
$0
4.35%
▲ 1.29% above Florida avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 1.29% above avgNationally 2.77%
Details
Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
6-month CD
$10,000
4.35%
▲ 1.29% above Florida avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 1.29% above avgNationally 2.77%
Details
Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 6, 20264.35%▲ from 4.25%
- Oct 1, 20264.25%▲ from 4.15%
- Sep 24, 20264.15%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
25 W Flagler St, Miami, FL 33130
6-month online CD
$25,000
4.25%
▲ 1.19% above Florida avg
▼
Rate4.16%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 1.19% above avgNationally 2.77%
Details
Online-only high-yield rates.
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 2, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
6 Month Certificate of Deposit
$0
4.25%
▲ 1.19% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 1.19% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
6 Month CD
$1,000
4.05%
▲ 0.99% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.99% above avgNationally 2.77%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
6 Month New Money CD
$1,000
4.05%
▲ 0.99% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.99% above avgNationally 2.77%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1395 Brickell Ave, Miami, FL 33131
6 month CD
$1,000
4.00%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Special CD Rates for Continental U.S.
Rate History
1 change since Sep 30, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
- Oct 6, 20264.00%▲ from 3.95%
- Sep 30, 20263.95%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
6 Month CD
$1,000
4.00%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
6 Month Online CD
$1,000
4.00%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
6 Month CD
$2,500
4.00%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
801 Brickell Ave, Miami, FL 33131
Special 6-Month Fixed Rate
$0
4.00%
▲ 0.94% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
Share Certificate Promotional - 6 Months
$0
4.00%
▲ 0.94% above Florida avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
4.00% APY 6-Month effective 6/1/2026; Rates effective as of August 24, 2026; Membership is required; Subject to early withdrawal penalty and/or fees
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Certificates and IRA Certificates - 6-Month
$0
4.00%
▲ 0.94% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Fixed rate; dividends compounded monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Golden Eagle Certificates - 6-Month
$5,000
4.00%
▲ 0.94% above Florida avg
▼
Rate3.93%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Fixed rate; Dividends compounded and paid monthly
Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 5 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Jumbo Certificates - 6-Month
$50,000
4.00%
▲ 0.94% above Florida avg
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
6 Month Promotional Share Certificate
$0
3.85%
▲ 0.79% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.79% above avgNationally 2.77%
Details
Limited time offer valid starting August 2026; $500 minimum opening deposit
Rate History
2 changes since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.25%
- Oct 13, 20263.85%▲ from 3.25%
- Oct 5, 20263.25%▼ from 3.75%
- Sep 14, 20263.75%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
6 Month CD
$0
3.85%
▲ 0.79% above Florida avg
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.79% above avgNationally 2.77%
Details
Effective Date: September 21, 2026
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 5, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
6 Month IRA CD
$500
3.85%
▲ 0.79% above Florida avg
▼
Rate3.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.79% above avgNationally 2.77%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 22, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
6 Month IRA Share Certificate
$0
3.85%
▲ 0.79% above Florida avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.79% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
6 Month Share Certificates
$1,000
3.85%
▲ 0.79% above Florida avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.79% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
6 Month Share Jumbo Certificate
$10,000
3.80%
▲ 0.74% above Florida avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.06%▲ 0.74% above avgNationally 2.77%
Details
New money (at least $5,000 from another source) receives an additional 0.50% above published rates; variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
6 Month Certificate
$1,000
3.76%
▲ 0.70% above Florida avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.06%▲ 0.70% above avgNationally 2.77%
Details
New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 3 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
6 Month Jumbo Certificate
$20,000
3.76%
▲ 0.70% above Florida avg
▼
Rate3.70%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.70% above avgNationally 2.77%
Details
Jumbo; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.76% APY
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
12905 N Kendall Dr, Miami, FL 33186
6-Month CD
$1,000
3.75%
▲ 0.69% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.69% above avgNationally 2.77%
Details
Promotional Rates
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
6 Month Certificate
$1,000
3.71%
▲ 0.65% above Florida avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.65% above avgNationally 2.77%
Details
Early withdrawal penalty applies
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.71% ▲ 0.21 pts · high 3.71% / low 3.50%
- Oct 5, 20263.71%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
6 Month Share Certificate
$200
3.55%
▲ 0.49% above Florida avg
▼
Rate3.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.06%▲ 0.49% above avgNationally 2.77%
Details
New money (at least $5,000 from another source) receives an additional 0.50% above published rates; variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1001 Brickell Bay Dr, Miami, FL 33131
6-Month CD
$500
3.50%
▲ 0.44% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details
Earn 3.50% APY on balances of $500 or more.
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Ocean Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
780 Nw 42nd Ave, Miami, FL 33126
6 Months CD
$0
3.50%
▲ 0.44% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details
Must be new money to Ocean Bank. New money is funds not currently on deposit at Ocean Bank. Initial CD deposit amount is required to be maintained each day to earn the APY disclosed. There will be a penalty for early withdrawals on CDs. Offer does not apply to IRA CDs. Offer subject to change without notice and subject to change at any time.
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
6 Month IRA Certificate
$500
3.35%
▲ 0.29% above Florida avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.29% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
6 Month Regular Certificate of Deposit
$500
3.35%
▲ 0.29% above Florida avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.29% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
6 Months Certificate
$500
3.35%
▲ 0.29% above Florida avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.29% above avgNationally 2.77%
Details
Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate - 6 Months
$500
3.35%
▲ 0.29% above Florida avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.29% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
6 Month Share Certificate
$0
3.25%
▲ 0.19% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.19% above avgNationally 2.77%
Details
Balance: $50,000 or more; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1902 NW 14th Ave, Miami, FL 33125 1658
6 Month Promotional Share Certificate
$0
3.25%
▲ 0.19% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.19% above avgNationally 2.77%
Details
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 4 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
6 Month Certificate
$0
3.20%
▲ 0.14% above Florida avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.14% above avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 5 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Share Certificate - 6 month
$100,000
3.16%
▲ 0.10% above Florida avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.06%▲ 0.10% above avgNationally 2.77%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.16% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Traditional and Roth IRA Certificate - 6 month
$100,000
3.16%
▲ 0.10% above Florida avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.06%▲ 0.10% above avgNationally 2.77%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.16% APY
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
6 Month CD
$0
3.15%
▲ 0.09% above Florida avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.09% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
6 Month Share Certificate
$0
3.15%
▲ 0.09% above Florida avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.09% above avgNationally 2.77%
Details
Balance: $25,000 - $49,999; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Share Certificate - 6 month
$500
3.05%
▼ 0.01% below Florida avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.06%▼ 0.01% below avgNationally 2.77%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.16% → 3.05% ▼ 0.11 pts · high 3.16% / low 3.05%
- Oct 12, 20263.05%▼ from 3.16%
- Sep 25, 20263.16%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA Certificate - 6 month
$500
3.05%
▼ 0.01% below Florida avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.06%▼ 0.01% below avgNationally 2.77%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.05% APY
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
6 Month Share Certificate
$0
3.05%
▼ 0.01% below Florida avg
▼
Rate3.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▼ 0.01% below avgNationally 2.77%
Details
Balance: $500 - $24,999; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
6 Month CD
$0
3.00%
▼ 0.06% below Florida avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▼ 0.06% below avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
MySavingsDirect
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
201 S Biscayne Blvd, Miami, FL 33131
6 Month Term Certificate of Deposit
$1,000
3.00%
▼ 0.06% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▼ 0.06% below avgNationally 2.77%
Details
Many terms available. To learn more about our "My Term " Certificates of Deposit Click Here .
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 6 Month Youth CD
$250
2.05%
▼ 1.01% below Florida avg
▼
Rate2.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▼ 1.01% below avgNationally 2.77%
Details
Youth
Rate History
No change since Oct 5, 2026 · 2.05% APY · checked 3 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 6 Months
$1,000
2.05%
▼ 1.01% below Florida avg
▼
Rate2.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▼ 1.01% below avgNationally 2.77%
Details
Rate History
No change since Oct 5, 2026 · 2.05% APY · checked 3 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
6 Month Share Certificates
$500
1.91%
▼ 1.15% below Florida avg
▼
Rate1.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▼ 1.15% below avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 1.91% APY · checked 5 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
6-month term
$0
1.35%
▼ 1.71% below Florida avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▼ 1.71% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 1.35% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
6-month term Standard CD
$0
1.25%
▼ 1.81% below Florida avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▼ 1.81% below avgNationally 2.77%
Details
Regular APY
Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
6 Month Certificate
$0
1.00%
▼ 2.06% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▼ 2.06% below avgNationally 2.77%
Details
Balance: $250.00 - $9,999.99; Relationship APY: 1.00%; Standard APY: 1.00%
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Miami 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
12 Month Certificate
$0
4.50%
▲ 1.28% above Florida avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.99%
Details
Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
12-month CD
$10,000
4.50%
▲ 1.28% above Florida avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 6, 20264.50%▲ from 4.40%
- Oct 1, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
25 W Flagler St, Miami, FL 33130
12-month online CD
$25,000
4.45%
▲ 1.23% above Florida avg
▼
Rate4.35%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.23% above avgNationally 2.99%
Details
Online-only high-yield rates.
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
- Oct 2, 20264.45%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
12 Month IRA Certificate
$500
4.40%
▲ 1.18% above Florida avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.18% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
12 Month Regular Certificate of Deposit
$500
4.40%
▲ 1.18% above Florida avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.18% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
12 Months Certificate
$500
4.40%
▲ 1.18% above Florida avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.18% above avgNationally 2.99%
Details
Rate History
No change since Sep 22, 2026 · 4.40% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate - 12 Months
$500
4.40%
▲ 1.18% above Florida avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.18% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 6 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
12 Month CD
$1,000
4.35%
▲ 1.13% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.99%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
12 Month New Money CD
$1,000
4.35%
▲ 1.13% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.99%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.13% above Florida avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
12 Month CD
$1,000
4.30%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.08% above avgNationally 2.99%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
12 Month Online CD
$1,000
4.30%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 1.08% above avgNationally 2.99%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
12 Month Promotional Share Certificate
$0
4.25%
▲ 1.03% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details
Advertised APY includes 0.25% new money increase; requires at least $10,000 from another financial institution; Limited time offer valid starting August 2026
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 3.35%
- Oct 13, 20264.25%▲ from 3.35%
- Oct 5, 20263.35%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
12 Month CD
$0
4.25%
▲ 1.03% above Florida avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details
Effective Date: September 21, 2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 5, 20264.25%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
12 Month IRA CD
$500
4.25%
▲ 1.03% above Florida avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Sep 22, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
12 Month Share Certificates
$1,000
4.15%
▲ 0.93% above Florida avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.93% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 6, 20264.15%▲ from 4.00%
- Sep 18, 20264.00%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
801 Brickell Ave, Miami, FL 33131
Special 12-Month Fixed Rate
$0
4.11%
▲ 0.89% above Florida avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.89% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 6 times
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1395 Brickell Ave, Miami, FL 33131
12 month CD
$1,000
4.10%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details
Special CD Rates for Continental U.S.
Rate History
1 change since Sep 30, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
- Oct 6, 20264.10%▲ from 4.05%
- Sep 30, 20264.05%first recorded
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
Share Certificate Promotional - 12 Months
$500
4.10%
▲ 0.88% above Florida avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details
4.10% APY 12-Month Share Certificate (CD) effective 8/24/2026; Rates effective as of August 24, 2026; Membership is required; Subject to early withdrawal penalty and/or fees
Rate History
No change since Oct 13, 2026 · 4.10% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
12 Month CD
$2,500
4.00%
▲ 0.78% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
12 Month Certificate of Deposit
$0
4.00%
▲ 0.78% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Certificates and IRA Certificates - 12-Month
$0
4.00%
▲ 0.78% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Fixed rate; dividends compounded monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Golden Eagle Certificates - 12-Month
$5,000
4.00%
▲ 0.78% above Florida avg
▼
Rate3.93%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Fixed rate; Dividends compounded and paid monthly
Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 5 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Jumbo Certificates - 12-Month
$50,000
4.00%
▲ 0.78% above Florida avg
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
12 Month IRA Share Certificate
$0
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
12905 N Kendall Dr, Miami, FL 33186
12-Month CD
$1,000
3.95%
▲ 0.73% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.73% above avgNationally 2.99%
Details
Lock in your earnings with fixed-rate CD accounts designed to deliver predictable returns. With flexible CD terms ranging from months to years, you can choose the option that aligns with your financial timeline while taking advantage of some of the best CD rates available. The minimum opening deposit is $1,000, and all CDs are backed by FDIC insurance up to the maximum amount allowed by law.
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
12 Month Jumbo Certificate
$20,000
3.86%
▲ 0.64% above Florida avg
▼
Rate3.80%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.64% above avgNationally 2.99%
Details
Jumbo; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.86% APY
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
12 Month Certificate
$1,000
3.81%
▲ 0.59% above Florida avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.59% above avgNationally 2.99%
Details
Early withdrawal penalty applies
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.81% ▲ 0.31 pts · high 3.81% / low 3.50%
- Oct 5, 20263.81%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1150 S Miami Ave, Miami, FL 33130
12-Month CD
$0
3.75%
▲ 0.53% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.99%
Details
Rate History
1 change since Sep 27, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 7, 20263.75%▲ from 3.55%
- Sep 27, 20263.55%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
IRA Share Certificate - 12 Months
$0
3.60%
▲ 0.38% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.38% above avgNationally 2.99%
Details
Balance: $500 or more; Early Withdrawal Penalty: 30 Days Interest
Rate History
No change since Sep 21, 2026 · 3.60% APY · checked 4 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
12 Month Share IRA Certificate
$200
3.55%
▲ 0.33% above Florida avg
▼
Rate3.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.22%▲ 0.33% above avgNationally 2.99%
Details
Variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
12 Month Share Jumbo Certificate
$10,000
3.55%
▲ 0.33% above Florida avg
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.22%▲ 0.33% above avgNationally 2.99%
Details
New money (at least $5,000 from another source) receives an additional 0.50% above published rates; variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
12 Month Certificate
$0
3.51%
▲ 0.29% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.29% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 3.51% APY · checked 5 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
12 Month Share Certificate
$0
3.35%
▲ 0.13% above Florida avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.13% above avgNationally 2.99%
Details
Balance: $50,000 or more; Min Balance: $500
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.35% ▼ 0.25 pts · high 3.60% / low 3.35%
- Sep 21, 20263.35%▼ from 3.60%
- Sep 14, 20263.60%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Share Certificate - 12 month
$100,000
3.31%
▲ 0.09% above Florida avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.22%▲ 0.09% above avgNationally 2.99%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.31% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Traditional and Roth IRA Certificate - 12 month
$100,000
3.31%
▲ 0.09% above Florida avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.22%▲ 0.09% above avgNationally 2.99%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.31% APY
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
12 Month Share Certificate
$200
3.29%
▲ 0.07% above Florida avg
▼
Rate3.25%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.22%▲ 0.07% above avgNationally 2.99%
Details
New money (at least $5,000 from another source) receives an additional 0.50% above published rates; variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 4 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1441 Brickell Ave, Miami, FL 33131
1 Year Online CD
$0
3.25%
▲ 0.03% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.03% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
777 Brickell Ave, Miami, FL 33131
12-month CD
$0
3.25%
▲ 0.03% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.03% above avgNationally 2.99%
Details
Special rate for select new CD accounts.
Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
12 Month Share Certificate
$0
3.25%
▲ 0.03% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.03% above avgNationally 2.99%
Details
Balance: $25,000 - $49,999; Min Balance: $500
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.25% ▼ 0.35 pts · high 3.60% / low 3.25%
- Sep 21, 20263.25%▼ from 3.60%
- Sep 14, 20263.60%first recorded
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1902 NW 14th Ave, Miami, FL 33125 1658
12 Month Promotional Share Certificate
$0
3.25%
▲ 0.03% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.03% above avgNationally 2.99%
Details
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 4 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Share Certificate - 12 month
$500
3.21%
▼ 0.01% below Florida avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.22%▼ 0.01% below avgNationally 2.99%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
- Oct 12, 20263.21%▼ from 3.31%
- Sep 25, 20263.31%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA Certificate - 12 month
$500
3.21%
▼ 0.01% below Florida avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.22%▼ 0.01% below avgNationally 2.99%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.21% APY
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
12 Month Share Certificate
$0
3.15%
▼ 0.07% below Florida avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▼ 0.07% below avgNationally 2.99%
Details
Balance: $500 - $24,999; Min Balance: $500
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.15% ▼ 0.45 pts · high 3.60% / low 3.15%
- Sep 21, 20263.15%▼ from 3.60%
- Sep 14, 20263.60%first recorded
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
1 Year CD
$0
3.05%
▼ 0.17% below Florida avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▼ 0.17% below avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 3.05% APY · checked 2 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
12 Month Share Certificates
$500
2.92%
▼ 0.30% below Florida avg
▼
Rate2.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▼ 0.30% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.92% APY · checked 5 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
Share IRA Certificates - 12 month
$500
2.92%
▼ 0.30% below Florida avg
▼
Rate2.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▼ 0.30% below avgNationally 2.99%
Details
Minimum of $500 required to open account; All terms are subject to early withdrawal penalty and or fees which may reduce earnings.
Rate History
No change since Sep 21, 2026 · 2.92% APY · checked 2 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
1 Year CD
$0
2.55%
▼ 0.67% below Florida avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▼ 0.67% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 6 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 12 Months
$1,000
2.50%
▼ 0.72% below Florida avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▼ 0.72% below avgNationally 2.99%
Details
Rate History
No change since Oct 5, 2026 · 2.50% APY · checked 3 times
Miami 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
18 Month Certificate
$0
4.65%
▲ 1.38% above Florida avg
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.38% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 4.65% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
18-month CD
$10,000
4.65%
▲ 1.38% above Florida avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.38% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 24, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
- Oct 6, 20264.65%▲ from 4.55%
- Oct 1, 20264.55%▲ from 4.35%
- Sep 24, 20264.35%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
18 Month CD
$0
4.25%
▲ 0.98% above Florida avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Effective Date: September 21, 2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 5, 20264.25%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
18 Month IRA CD
$500
4.25%
▲ 0.98% above Florida avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Sep 22, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
18 Month Share Certificates
$1,000
4.25%
▲ 0.98% above Florida avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 6, 20264.25%▲ from 4.15%
- Sep 18, 20264.15%first recorded
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
18 Month IRA Share Certificate
$0
4.15%
▲ 0.88% above Florida avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.88% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
18 Month IRA Certificate
$500
4.10%
▲ 0.83% above Florida avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
18 Month Regular Certificate of Deposit
$500
4.10%
▲ 0.83% above Florida avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
18 Months Certificate
$500
4.10%
▲ 0.83% above Florida avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.88%
Details
Rate History
No change since Sep 22, 2026 · 4.10% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate - 18 Months
$500
4.10%
▲ 0.83% above Florida avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3036 Grand Avenue, Miami, FL 33133
18-Month CD
$500
4.00%
▲ 0.73% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rates are available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL: Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141. Rates in other areas or for online openings may not be available.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
18 Month CD
$2,500
3.95%
▲ 0.68% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
18-month term
$0
3.80%
▲ 0.53% above Florida avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.53% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 10, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) - 18-month term
$0
3.80%
▲ 0.53% above Florida avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.53% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 3.80% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.43% above Florida avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.43% above avgNationally 2.88%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
18 Month Certificate
$0
3.46%
▲ 0.19% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.19% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Share Certificate - 18 month
$100,000
3.41%
▲ 0.14% above Florida avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 0.14% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.41% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Traditional and Roth IRA Certificate - 18 month
$100,000
3.41%
▲ 0.14% above Florida avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 0.14% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.41% APY
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificates - 18 Months
$0
3.40%
▲ 0.13% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.13% above avgNationally 2.88%
Details
Balance: $50,000 or more; Dividends paid MONTHLY
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Share Certificate - 18 month
$500
3.31%
▲ 0.04% above Florida avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 0.04% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 12, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA Certificate - 18 month
$500
3.31%
▲ 0.04% above Florida avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 0.04% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.31% APY
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificates - 18 Months
$0
3.30%
▲ 0.03% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.03% above avgNationally 2.88%
Details
Balance: $25,000 - $49,999; Dividends paid MONTHLY
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificates - 18 Months
$0
3.20%
▼ 0.07% below Florida avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▼ 0.07% below avgNationally 2.88%
Details
Balance: $500 - $24,999; Dividends paid MONTHLY
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 7 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
18 Month Bump Up
$0
3.14%
▼ 0.13% below Florida avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▼ 0.13% below avgNationally 2.88%
Details
New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 5 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
18 Month Share Certificates
$500
3.07%
▼ 0.20% below Florida avg
▼
Rate3.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▼ 0.20% below avgNationally 2.88%
Details
Balance: $500 - $9,999.99
Rate History
No change since Sep 18, 2026 · 3.07% APY · checked 5 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
18 Month Share Jumbo Certificate
$10,000
3.03%
▼ 0.24% below Florida avg
▼
Rate3.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▼ 0.24% below avgNationally 2.88%
Details
New money (at least $5,000 from another source) receives an additional 0.50% above published rates; variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
18 Month Share Certificate
$200
2.52%
▼ 0.75% below Florida avg
▼
Rate2.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▼ 0.75% below avgNationally 2.88%
Details
New money (at least $5,000 from another source) receives an additional 0.50% above published rates; variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 4 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
18 Month Certificate of Deposit
$0
2.50%
▼ 0.77% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 0.77% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 18 Months
$1,000
2.50%
▼ 0.77% below Florida avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▼ 0.77% below avgNationally 2.88%
Details
Rate History
No change since Oct 5, 2026 · 2.50% APY · checked 3 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Certificates and IRA Certificates - 18-Month
$0
2.02%
▼ 1.25% below Florida avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▼ 1.25% below avgNationally 2.88%
Details
Fixed rate; dividends compounded monthly
Rate History
No change since Oct 13, 2026 · 2.02% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
18 Month - Relationship
$0
1.00%
▼ 2.27% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 2.27% below avgNationally 2.88%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
18 Month Certificate
$0
1.00%
▼ 2.27% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 2.27% below avgNationally 2.88%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
18 Month TD Choice CD
$250
1.00%
▼ 2.27% below Florida avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 2.27% below avgNationally 2.88%
Details
Relationship APY; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
18 Month Certificate of Deposit
$0
0.03%
▼ 3.24% below Florida avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 3.24% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
18 Month Certificate of Deposit
$0
0.02%
▼ 3.25% below Florida avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 3.25% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
18 Month Certificate of Deposit
$0
0.01%
▼ 3.26% below Florida avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 3.26% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18 Month Certificate
$2,000
4.90%
▲ 1.63% above Florida avg
▼
Rate4.78%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 1.63% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.90% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100,000
4.50%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
- Oct 8, 20264.50%▲ from 4.35%
- Oct 4, 20264.35%▼ from 4.50%
- Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.50%
▲ 1.23% above Florida avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Balance: $100,000+; Jumbo
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Jumbo Certificate
$0
4.50%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Share Certificate
$0
4.50%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Youth Certificate
$0
4.50%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
18 Month Business Share Certificate
$0
4.50%
▲ 1.23% above Florida avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
18 Month Share Certificate
$0
4.50%
▲ 1.23% above Florida avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 2 times
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 Month CD
$0
4.35%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 Month IRA CD
$0
4.35%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
- Oct 12, 20264.35%▲ from 4.25%
- Oct 3, 20264.25%▼ from 4.40%
- Sep 16, 20264.40%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100
4.35%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Or, 4.35% APY* with $100 min.
Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
- Oct 12, 20264.35%▼ from 4.50%
- Oct 4, 20264.50%▲ from 4.35%
- Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.35%
▲ 1.08% above Florida avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Regular
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.35%
▲ 1.08% above Florida avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Balance: $100,000+; Jumbo
Rate History
No change since Oct 12, 2026 · 4.35% APY
Miami 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
24 Month Certificate
$0
4.70%
▲ 1.54% above Florida avg
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▲ 1.54% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 4.70% APY · checked 2 times
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
25 W Flagler St, Miami, FL 33130
24-month online CD
$25,000
4.50%
▲ 1.34% above Florida avg
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 1.34% above avgNationally 2.88%
Details
Online-only high-yield rates.
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 2, 20264.50%▲ from 3.75%
- Sep 18, 20263.75%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
24 Month CD
$1,000
4.45%
▲ 1.29% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 1.29% above avgNationally 2.88%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
24 Month New Money CD
$1,000
4.45%
▲ 1.29% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 1.29% above avgNationally 2.88%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
24 Month CD
$1,000
4.40%
▲ 1.24% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 1.24% above avgNationally 2.88%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
24 Month Online CD
$1,000
4.40%
▲ 1.24% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 1.24% above avgNationally 2.88%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
24 Month Share Certificates
$1,000
4.30%
▲ 1.14% above Florida avg
▼
Rate4.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▲ 1.14% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 6, 20264.30%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
24 Month Jumbo Certificate
$20,000
3.97%
▲ 0.81% above Florida avg
▼
Rate3.90%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.81% above avgNationally 2.88%
Details
Jumbo; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.97% APY
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
24 Month Certificate
$1,000
3.91%
▲ 0.75% above Florida avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.75% above avgNationally 2.88%
Details
Early withdrawal penalty applies
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.91% ▲ 0.51 pts · high 3.91% / low 3.40%
- Oct 5, 20263.91%▲ from 3.40%
- Sep 14, 20263.40%first recorded
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
24 Month IRA Share Certificate
$0
3.90%
▲ 0.74% above Florida avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▲ 0.74% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
24 Month CD
$2,500
3.75%
▲ 0.59% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
24 Month CD
$0
3.75%
▲ 0.59% above Florida avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.88%
Details
Effective Date: September 21, 2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
24 Month IRA CD
$500
3.75%
▲ 0.59% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.88%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
24 Month IRA Certificate
$500
3.65%
▲ 0.49% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▲ 0.49% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
24 Month Regular Certificate of Deposit
$500
3.65%
▲ 0.49% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▲ 0.49% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
24 Months Certificate
$500
3.65%
▲ 0.49% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▲ 0.49% above avgNationally 2.88%
Details
Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate - 24 Months
$500
3.65%
▲ 0.49% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▲ 0.49% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.44% above Florida avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▲ 0.44% above avgNationally 2.88%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
24 Month Share Certificate
$0
3.45%
▲ 0.29% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.29% above avgNationally 2.88%
Details
Balance: $50,000 or more; Dividends paid monthly; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
24 Month Certificate
$0
3.41%
▲ 0.25% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 0.25% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Share Certificate - 24 month
$100,000
3.41%
▲ 0.25% above Florida avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▲ 0.25% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.41% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Traditional and Roth IRA Certificate - 24 month
$100,000
3.41%
▲ 0.25% above Florida avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▲ 0.25% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.41% APY
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Individual Retirement Accounts (IRA) - 24 Months
$0
3.40%
▲ 0.24% above Florida avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.24% above avgNationally 2.88%
Details
Balance: $500 or more; Early Withdrawal Penalty: 60 Days Interest
Rate History
No change since Oct 9, 2026 · 3.40% APY · checked 2 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
24 Month Share Certificate
$0
3.35%
▲ 0.19% above Florida avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.19% above avgNationally 2.88%
Details
Balance: $25,000 - $49,999; Dividends paid monthly; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Share Certificate - 24 month
$500
3.31%
▲ 0.15% above Florida avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▲ 0.15% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 12, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA Certificate - 24 month
$500
3.31%
▲ 0.15% above Florida avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▲ 0.15% above avgNationally 2.88%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.31% APY
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
24 Month Share Certificate
$0
3.25%
▲ 0.09% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.09% above avgNationally 2.88%
Details
Balance: $500 - $24,999; Dividends paid monthly; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
Share IRA Certificates - 24 month
$500
3.07%
▼ 0.09% below Florida avg
▼
Rate3.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▼ 0.09% below avgNationally 2.88%
Details
Minimum of $500 required to open account; All terms are subject to early withdrawal penalty and or fees which may reduce earnings.
Rate History
No change since Sep 21, 2026 · 3.07% APY · checked 2 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1441 Brickell Ave, Miami, FL 33131
2 Year Online CD
$0
3.00%
▼ 0.16% below Florida avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 0.16% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
24 Month Share Jumbo Certificate
$10,000
2.78%
▼ 0.38% below Florida avg
▼
Rate2.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▼ 0.38% below avgNationally 2.88%
Details
New money (at least $5,000 from another source) receives an additional 0.50% above published rates; variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 4 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
2 Year CD
$0
2.75%
▼ 0.41% below Florida avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 0.41% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
CDs => - 2 years
$0
2.75%
▼ 0.41% below Florida avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 0.41% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
24-month term
$0
2.60%
▼ 0.56% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▼ 0.56% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) - 24-month term
$0
2.60%
▼ 0.56% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▼ 0.56% below avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 2.60% APY
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
2 Year CD
$0
2.55%
▼ 0.61% below Florida avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 0.61% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 6 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
CDs < - 2 years
$0
2.55%
▼ 0.61% below Florida avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 0.61% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 3 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Certificates and IRA Certificates - 24-Month
$0
2.53%
▼ 0.63% below Florida avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▼ 0.63% below avgNationally 2.88%
Details
Fixed rate; dividends compounded monthly
Rate History
No change since Oct 13, 2026 · 2.53% APY
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
24 Month Share Certificate
$200
2.52%
▼ 0.64% below Florida avg
▼
Rate2.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▼ 0.64% below avgNationally 2.88%
Details
New money (at least $5,000 from another source) receives an additional 0.50% above published rates; variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 4 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
24 Month Share IRA Certificate
$200
2.52%
▼ 0.64% below Florida avg
▼
Rate2.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▼ 0.64% below avgNationally 2.88%
Details
Variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 3 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
24 Month Certificate of Deposit
$0
2.50%
▼ 0.66% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 0.66% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 24 Months
$1,000
2.50%
▼ 0.66% below Florida avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▼ 0.66% below avgNationally 2.88%
Details
Rate History
No change since Oct 5, 2026 · 2.50% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
24-month term Standard CD
$0
2.34%
▼ 0.82% below Florida avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▼ 0.82% below avgNationally 2.88%
Details
Regular APY
Rate History
No change since Sep 27, 2026 · 2.34% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) - 24-month term
$0
2.34%
▼ 0.82% below Florida avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▼ 0.82% below avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 2.34% APY
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
2 Year Certificate
$1,000
2.24%
▼ 0.92% below Florida avg
▼
Rate2.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▼ 0.92% below avgNationally 2.88%
Details
New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Rate History
1 change since Sep 14, 2026 · 2.53% → 2.24% ▼ 0.29 pts · high 2.53% / low 2.24%
- Oct 12, 20262.24%▼ from 2.53%
- Sep 14, 20262.53%first recorded
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
13241 SW 136th St, MIAMI, FL 33186 5822
2 Year IRA Certificate
$0
1.50%
▼ 1.66% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▼ 1.66% below avgNationally 2.88%
Details
Individual Retirement Account
Rate History
No change since Oct 13, 2026 · 1.50% APY
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
13241 SW 136th St, MIAMI, FL 33186 5822
2 Year Share Certificates
$0
1.50%
▼ 1.66% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▼ 1.66% below avgNationally 2.88%
Details
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
24 Month Certificate
$0
1.00%
▼ 2.16% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 2.16% below avgNationally 2.88%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
24 Month TD Choice CD
$250
1.00%
▼ 2.16% below Florida avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 2.16% below avgNationally 2.88%
Details
Relationship APY; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3275 Nw 79th St, Miami, FL 33147
UNITY 2 Year CD
$0
0.30%
▼ 2.86% below Florida avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▼ 2.86% below avgNationally 2.88%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3275 Nw 79th St, Miami, FL 33147
UNITY 2 Year IRA CD
$0
0.30%
▼ 2.86% below Florida avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▼ 2.86% below avgNationally 2.88%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Miami 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
36 Month Certificate
$0
4.85%
▲ 1.87% above Florida avg
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 1.87% above avgNationally 2.81%
Details
Rate History
No change since Oct 6, 2026 · 4.85% APY · checked 2 times
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
25 W Flagler St, Miami, FL 33130
36-month online CD
$25,000
4.50%
▲ 1.52% above Florida avg
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▲ 1.52% above avgNationally 2.81%
Details
Online-only high-yield rates.
Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
- Oct 2, 20264.50%▲ from 3.76%
- Sep 18, 20263.76%first recorded
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
36 Month Jumbo Certificate
$20,000
4.17%
▲ 1.19% above Florida avg
▼
Rate4.10%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.19% above avgNationally 2.81%
Details
Jumbo; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 4.17% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
3 Year ESA Long-Term Certificate
$100,000
4.15%
▲ 1.17% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
36 Month Certificate
$1,000
4.12%
▲ 1.14% above Florida avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.14% above avgNationally 2.81%
Details
Early withdrawal penalty applies
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.12% ▲ 0.77 pts · high 4.12% / low 3.35%
- Oct 5, 20264.12%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
3 Year ESA Long-Term Certificate
$1,000
4.10%
▲ 1.12% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 1.12% above avgNationally 2.81%
Details
Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
36 Month IRA Share Certificate
$0
3.80%
▲ 0.82% above Florida avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 0.82% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
36 Month Share Certificates
$1,000
3.80%
▲ 0.82% above Florida avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 0.82% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
36 Month IRA Certificate
$500
3.65%
▲ 0.67% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 0.67% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
36 Month Regular Certificate of Deposit
$500
3.65%
▲ 0.67% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 0.67% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
36 Months Certificate
$500
3.65%
▲ 0.67% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 0.67% above avgNationally 2.81%
Details
Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate - 36 Months
$500
3.65%
▲ 0.67% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 0.67% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
36 Month CD
$0
3.55%
▲ 0.57% above Florida avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.57% above avgNationally 2.81%
Details
Effective Date: September 21, 2026
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 4 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
36 Month IRA CD
$500
3.55%
▲ 0.57% above Florida avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.57% above avgNationally 2.81%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
36 Month CD
$2,500
3.50%
▲ 0.52% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▲ 0.52% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
36 Month Share Certificate
$0
3.50%
▲ 0.52% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.52% above avgNationally 2.81%
Details
Balance: $50,000 or more; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
IRA Share Certificate - 36 Months
$0
3.45%
▲ 0.47% above Florida avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.47% above avgNationally 2.81%
Details
Balance: $500 or more; Early Withdrawal Penalty: 90 Days Interest
Rate History
No change since Oct 13, 2026 · 3.45% APY
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
36 Month Certificate
$0
3.41%
▲ 0.43% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▲ 0.43% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
36 Month Share Certificate
$0
3.40%
▲ 0.42% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.42% above avgNationally 2.81%
Details
Balance: $25,000 - $49,999; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Share Certificate - 36 month
$100,000
3.31%
▲ 0.33% above Florida avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.98%▲ 0.33% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.31% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Traditional and Roth IRA Certificate - 36 month
$100,000
3.31%
▲ 0.33% above Florida avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.98%▲ 0.33% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.31% APY
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
36 Month Share Certificate
$0
3.30%
▲ 0.32% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.32% above avgNationally 2.81%
Details
Balance: $500 - $24,999; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Share Certificate - 36 month
$500
3.21%
▲ 0.23% above Florida avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.98%▲ 0.23% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
- Oct 12, 20263.21%▼ from 3.31%
- Sep 25, 20263.31%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA Certificate - 36 month
$500
3.21%
▲ 0.23% above Florida avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.98%▲ 0.23% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.21% APY
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1001 Brickell Bay Dr, Miami, FL 33131
36-Month CD
$500
3.20%
▲ 0.22% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▲ 0.22% above avgNationally 2.81%
Details
Earn 3.20% APY on balances of $500 or more.
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 3 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1441 Brickell Ave, Miami, FL 33131
3 Year Online CD
$0
2.75%
▼ 0.23% below Florida avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 0.23% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
36-month term
$0
2.75%
▼ 0.23% below Florida avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▼ 0.23% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) - 36-month term
$0
2.75%
▼ 0.23% below Florida avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▼ 0.23% below avgNationally 2.81%
Details
Rate History
No change since Oct 10, 2026 · 2.75% APY
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
3 Year CD
$0
2.60%
▼ 0.38% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 0.38% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 2 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
CDs => - 3 years
$0
2.60%
▼ 0.38% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 0.38% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 3 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
Share IRA Certificates - 36 month
$500
2.55%
▼ 0.43% below Florida avg
▼
Rate2.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▼ 0.43% below avgNationally 2.81%
Details
Minimum of $500 required to open account; All terms are subject to early withdrawal penalty and or fees which may reduce earnings.
Rate History
No change since Sep 21, 2026 · 2.55% APY · checked 2 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Certificates and IRA Certificates - 36-Month
$0
2.53%
▼ 0.45% below Florida avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▼ 0.45% below avgNationally 2.81%
Details
Fixed rate; dividends compounded monthly
Rate History
No change since Oct 13, 2026 · 2.53% APY
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
36 Month Certificate of Deposit
$0
2.50%
▼ 0.48% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 0.48% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 36 Months
$1,000
2.50%
▼ 0.48% below Florida avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▼ 0.48% below avgNationally 2.81%
Details
Rate History
No change since Oct 5, 2026 · 2.50% APY · checked 3 times
DollarSavingsDirect
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
201 S Biscayne Blvd, Miami, FL 33131
36 Month Term Certificate of Deposit
$1,000
2.50%
▼ 0.48% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▼ 0.48% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
36-month term Standard CD
$0
2.49%
▼ 0.49% below Florida avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▼ 0.49% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Sep 27, 2026 · 2.49% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) - 36-month term
$0
2.49%
▼ 0.49% below Florida avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▼ 0.49% below avgNationally 2.81%
Details
Rate History
No change since Oct 10, 2026 · 2.49% APY
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
3 Year CD
$0
2.40%
▼ 0.58% below Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 0.58% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 6 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
CDs < - 3 years
$0
2.40%
▼ 0.58% below Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 0.58% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 3 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
3 Year Certificate
$1,000
2.24%
▼ 0.74% below Florida avg
▼
Rate2.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.98%▼ 0.74% below avgNationally 2.81%
Details
New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Rate History
No change since Sep 14, 2026 · 2.24% APY · checked 3 times
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
13241 SW 136th St, MIAMI, FL 33186 5822
3 Year IRA Certificate
$0
1.50%
▼ 1.48% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▼ 1.48% below avgNationally 2.81%
Details
Individual Retirement Account
Rate History
No change since Oct 13, 2026 · 1.50% APY
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
13241 SW 136th St, MIAMI, FL 33186 5822
3 Year Share Certificates
$0
1.50%
▼ 1.48% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▼ 1.48% below avgNationally 2.81%
Details
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
3 Year Certificate
$0
1.00%
▼ 1.98% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 1.98% below avgNationally 2.81%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
3 Year TD Choice CD
$250
1.00%
▼ 1.98% below Florida avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 1.98% below avgNationally 2.81%
Details
Relationship APY; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1902 NW 14th Ave, Miami, FL 33125 1658
36 Month Share Certificate
$0
0.65%
▼ 2.33% below Florida avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▼ 2.33% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 5 times
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1902 NW 14th Ave, Miami, FL 33125 1658
36 Month Share IRA Certificate
$0
0.65%
▼ 2.33% below Florida avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▼ 2.33% below avgNationally 2.81%
Details
Rate History
No change since Sep 22, 2026 · 0.65% APY · checked 4 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3275 Nw 79th St, Miami, FL 33147
UNITY 3 Year CD
$0
0.30%
▼ 2.68% below Florida avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▼ 2.68% below avgNationally 2.81%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3275 Nw 79th St, Miami, FL 33147
UNITY 3 Year IRA CD
$0
0.30%
▼ 2.68% below Florida avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▼ 2.68% below avgNationally 2.81%
Details
Balance: $1,000+
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
36 Month Certificate of Deposit
$0
0.03%
▼ 2.95% below Florida avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 2.95% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
36 Month Certificate of Deposit
$0
0.02%
▼ 2.96% below Florida avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 2.96% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
Miami 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
48 Month Certificate
$0
4.95%
▲ 2.00% above Florida avg
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 2.00% above avgNationally 2.80%
Details
Rate History
No change since Oct 6, 2026 · 4.95% APY · checked 2 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
48 Month CD
$0
3.65%
▲ 0.70% above Florida avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Effective Date: September 21, 2026
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 4 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
48 Month IRA CD
$500
3.65%
▲ 0.70% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
48 Month IRA Certificate
$500
3.65%
▲ 0.70% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
48 Month Regular Certificate of Deposit
$500
3.65%
▲ 0.70% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
48 Months Certificate
$500
3.65%
▲ 0.70% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate - 48 Months
$500
3.65%
▲ 0.70% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
48 Month IRA Share Certificate
$0
3.65%
▲ 0.70% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
48 Month Share Certificates
$1,000
3.65%
▲ 0.70% above Florida avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificate - 48 Months
$0
3.55%
▲ 0.60% above Florida avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.60% above avgNationally 2.80%
Details
Balance: $50,000 or more; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
IRA Share Certificate 48 Months
$0
3.50%
▲ 0.55% above Florida avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.55% above avgNationally 2.80%
Details
Balance: $500 or more; Early Withdrawal Penalty: 120 Days Interest
Rate History
No change since Oct 13, 2026 · 3.50% APY
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificate - 48 Months
$0
3.45%
▲ 0.50% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.50% above avgNationally 2.80%
Details
Balance: $25,000 - $49,999; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
48 Month Certificate
$0
3.41%
▲ 0.46% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.46% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificate - 48 Months
$0
3.35%
▲ 0.40% above Florida avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.40% above avgNationally 2.80%
Details
Balance: $500 - $24,999; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Share Certificate - 48 month
$100,000
3.21%
▲ 0.26% above Florida avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.26% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Traditional and Roth IRA Certificate - 48 month
$100,000
3.21%
▲ 0.26% above Florida avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.26% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Share Certificate - 48 month
$500
3.11%
▲ 0.16% above Florida avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.16% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 12, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA Certificate - 48 month
$500
3.11%
▲ 0.16% above Florida avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.16% above avgNationally 2.80%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.11% APY
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1001 Brickell Bay Dr, Miami, FL 33131
48-Month Certificate of Deposit
$500
3.05%
▲ 0.10% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.10% above avgNationally 2.80%
Details
Earn 3.05% APY on balances of $500 or more. Account matures in 48 months. It's easy to get started with a minimum opening balance of $500. Lock in a competitive rate for a 48-month term - regardless of changing interest rates. After 48 months, you can decide your next steps on your savings. Fund your CD with as much as $500,000 online and up to $1,000,000 in a branch.
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
48-month term
$0
2.90%
▼ 0.05% below Florida avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▼ 0.05% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) - 48-month term
$0
2.90%
▼ 0.05% below Florida avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▼ 0.05% below avgNationally 2.80%
Details
Rate History
No change since Oct 10, 2026 · 2.90% APY
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1441 Brickell Ave, Miami, FL 33131
4 Year Online CD
$0
2.75%
▼ 0.20% below Florida avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 0.20% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
48-month term Standard CD
$0
2.64%
▼ 0.31% below Florida avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▼ 0.31% below avgNationally 2.80%
Details
Regular APY
Rate History
No change since Sep 27, 2026 · 2.64% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) - 48-month term
$0
2.64%
▼ 0.31% below Florida avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▼ 0.31% below avgNationally 2.80%
Details
Rate History
No change since Oct 10, 2026 · 2.64% APY
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
4 Year CD
$0
2.60%
▼ 0.35% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 0.35% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 2 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
CDs => - 4 years
$0
2.60%
▼ 0.35% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 0.35% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 3 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
48 Month Certificate of Deposit
$0
2.50%
▼ 0.45% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 0.45% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
4 Year CD
$0
2.40%
▼ 0.55% below Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 0.55% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 6 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
CDs < - 4 years
$0
2.40%
▼ 0.55% below Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 0.55% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 3 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
4 Year Certificate
$1,000
2.24%
▼ 0.71% below Florida avg
▼
Rate2.22%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▼ 0.71% below avgNationally 2.80%
Details
New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Rate History
No change since Sep 14, 2026 · 2.24% APY · checked 3 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
48 Month CD
$2,500
1.00%
▼ 1.95% below Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 1.95% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 6 times
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1902 NW 14th Ave, Miami, FL 33125 1658
48 Month Share Certificate
$0
0.65%
▼ 2.30% below Florida avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▼ 2.30% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
48 Month Certificate of Deposit
$0
0.03%
▼ 2.92% below Florida avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 2.92% below avgNationally 2.80%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
48 Month Certificate of Deposit
$0
0.02%
▼ 2.93% below Florida avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 2.93% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
48 Month Certificate of Deposit
$0
0.01%
▼ 2.94% below Florida avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 2.94% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
48 Month Certificate
$2,000
5.10%
▲ 2.15% above Florida avg
▼
Rate4.97%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 2.15% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 5.10% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$0
4.70%
▲ 1.75% above Florida avg
▼
Rate4.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 1.75% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
- Sep 24, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.25%
▲ 1.30% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.30% above avgNationally 2.80%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Jumbo Certificate
$0
4.25%
▲ 1.30% above Florida avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.30% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 10, 20264.25%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 48 Month
$0
4.20%
▲ 1.25% above Florida avg
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 1.25% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Sep 24, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.20%
▲ 1.25% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.25% above avgNationally 2.80%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.15%
▲ 1.20% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD
$0
4.15%
▲ 1.20% above Florida avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$1,000
4.15%
▲ 1.20% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48-Month IRA
$1,000
4.15%
▲ 1.20% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15%
▲ 1.20% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Certificate
$0
4.15%
▲ 1.20% above Florida avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Oct 10, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$100,000
4.13%
▲ 1.18% above Florida avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.18% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
- Oct 10, 20264.13%▲ from 3.92%
- Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month Certificate
$1,000
4.07%
▲ 1.12% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.12% above avgNationally 2.80%
Details
Rate History
1 change since Sep 22, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 10, 20264.07%▲ from 3.87%
- Sep 22, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA
$1,000
4.07%
▲ 1.12% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.12% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 10, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Miami 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
60 Month Certificate
$0
5.00%
▲ 1.79% above Florida avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 1.79% above avgNationally 2.91%
Details
Rate History
No change since Oct 6, 2026 · 5.00% APY · checked 2 times
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
25 W Flagler St, Miami, FL 33130
60-month online CD
$25,000
4.50%
▲ 1.29% above Florida avg
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▲ 1.29% above avgNationally 2.91%
Details
Online-only high-yield rates.
Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
- Oct 2, 20264.50%▲ from 3.76%
- Sep 18, 20263.76%first recorded
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
60 Month Jumbo Certificate
$20,000
4.28%
▲ 1.07% above Florida avg
▼
Rate4.20%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 1.07% above avgNationally 2.91%
Details
Jumbo; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 4.28% APY
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
60 Month Certificate
$1,000
4.23%
▲ 1.02% above Florida avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 1.02% above avgNationally 2.91%
Details
Early withdrawal penalty applies
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.23% ▲ 0.88 pts · high 4.23% / low 3.35%
- Oct 5, 20264.23%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
5 Year ESA Long-Term Certificate
$100,000
3.90%
▲ 0.69% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 0.69% above avgNationally 2.91%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
5 Year ESA Long-Term Certificate
$1,000
3.85%
▲ 0.64% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 0.64% above avgNationally 2.91%
Details
Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
60 Month CD
$0
3.75%
▲ 0.54% above Florida avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.54% above avgNationally 2.91%
Details
Effective Date: September 21, 2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
60 Month IRA CD
$500
3.75%
▲ 0.54% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.54% above avgNationally 2.91%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
60 Month IRA Certificate
$500
3.65%
▲ 0.44% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 0.44% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
60 Month Regular Certificate of Deposit
$500
3.65%
▲ 0.44% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 0.44% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
60 Months Certificate
$500
3.65%
▲ 0.44% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 0.44% above avgNationally 2.91%
Details
Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate - 60 Months
$500
3.65%
▲ 0.44% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 0.44% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
60 Month IRA Share Certificate
$0
3.65%
▲ 0.44% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 0.44% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
60 Month Share Certificates
$1,000
3.65%
▲ 0.44% above Florida avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 0.44% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
60 Month IRA Share Certificate
$0
3.60%
▲ 0.39% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.39% above avgNationally 2.91%
Details
Balance: $500 or more; Early Withdrawal Penalty: 150 Days Interest
Rate History
No change since Oct 13, 2026 · 3.60% APY
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
60 Months Share Certificate
$0
3.60%
▲ 0.39% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.39% above avgNationally 2.91%
Details
Balance: $50,000 or more
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
60 Months Share Certificate
$0
3.50%
▲ 0.29% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details
Balance: $25,000 - $49,999
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
60 Month Certificate
$0
3.41%
▲ 0.20% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▲ 0.20% above avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
60 Months Share Certificate
$0
3.40%
▲ 0.19% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.19% above avgNationally 2.91%
Details
Balance: $500 - $24,999
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Share Certificate - 60 month
$100,000
3.21%
At Florida avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%At the averageNationally 2.91%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Jumbo Traditional and Roth IRA Certificate - 60 month
$100,000
3.21%
At Florida avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%At the averageNationally 2.91%
Details
Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 12, 2026 · 3.21% APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Share Certificate - 60 month
$500
3.11%
▼ 0.10% below Florida avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▼ 0.10% below avgNationally 2.91%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 12, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA Certificate - 60 month
$500
3.11%
▼ 0.10% below Florida avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▼ 0.10% below avgNationally 2.91%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA
Rate History
No change since Oct 12, 2026 · 3.11% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
60-month term
$0
3.10%
▼ 0.11% below Florida avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▼ 0.11% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) - 60-month term
$0
3.10%
▼ 0.11% below Florida avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▼ 0.11% below avgNationally 2.91%
Details
Rate History
No change since Oct 10, 2026 · 3.10% APY
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
5 Year Certificate
$1,000
2.87%
▼ 0.34% below Florida avg
▼
Rate2.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▼ 0.34% below avgNationally 2.91%
Details
New money is defined as money not currently on deposit with People's Alliance Federal Credit Union (PAFCU) and not held by PAFCU within the past 12 months. PAFCU determines whether funds qualify as new money at its sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Limited-time offer. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Rate History
No change since Sep 14, 2026 · 2.87% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
60-month term Standard CD
$0
2.84%
▼ 0.37% below Florida avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▼ 0.37% below avgNationally 2.91%
Details
Regular APY
Rate History
No change since Sep 27, 2026 · 2.84% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) - 60-month term
$0
2.84%
▼ 0.37% below Florida avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▼ 0.37% below avgNationally 2.91%
Details
Rate History
No change since Oct 10, 2026 · 2.84% APY
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1441 Brickell Ave, Miami, FL 33131
5 Year Online CD
$0
2.75%
▼ 0.46% below Florida avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 0.46% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
5 Year CD
$0
2.60%
▼ 0.61% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 0.61% below avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 2 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
CDs => - 5 years
$0
2.60%
▼ 0.61% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 0.61% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 3 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
60 Month Share Certificates
$500
2.55%
▼ 0.66% below Florida avg
▼
Rate2.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.66% below avgNationally 2.91%
Details
Balance: $500 - $9,999.99
Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 5 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Certificates and IRA Certificates - 60-Month
$0
2.53%
▼ 0.68% below Florida avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.68% below avgNationally 2.91%
Details
Fixed rate; dividends compounded monthly
Rate History
No change since Oct 13, 2026 · 2.53% APY
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
60 Month Certificate of Deposit
$0
2.50%
▼ 0.71% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 0.71% below avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 60 Months
$1,000
2.50%
▼ 0.71% below Florida avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.71% below avgNationally 2.91%
Details
Rate History
No change since Oct 5, 2026 · 2.50% APY · checked 3 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
5 Year CD
$0
2.40%
▼ 0.81% below Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 0.81% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 6 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
CDs < - 5 years
$0
2.40%
▼ 0.81% below Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 0.81% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 3 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
60 Month Share Certificate
$200
1.51%
▼ 1.70% below Florida avg
▼
Rate1.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▼ 1.70% below avgNationally 2.91%
Details
New money (at least $5,000 from another source) receives an additional 0.50% above published rates; variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 4 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
60 Month Share IRA Certificate
$200
1.51%
▼ 1.70% below Florida avg
▼
Rate1.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▼ 1.70% below avgNationally 2.91%
Details
Variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
60 Month Share Jumbo Certificate
$10,000
1.51%
▼ 1.70% below Florida avg
▼
Rate1.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▼ 1.70% below avgNationally 2.91%
Details
New money (at least $5,000 from another source) receives an additional 0.50% above published rates; variable rate account; early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
13241 SW 136th St, MIAMI, FL 33186 5822
5 Year IRA Certificate
$0
1.50%
▼ 1.71% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 1.71% below avgNationally 2.91%
Details
Individual Retirement Account
Rate History
No change since Oct 13, 2026 · 1.50% APY
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
13241 SW 136th St, MIAMI, FL 33186 5822
5 Year Share Certificates
$0
1.50%
▼ 1.71% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 1.71% below avgNationally 2.91%
Details
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
5 Year Certificate
$0
1.00%
▼ 2.21% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 2.21% below avgNationally 2.91%
Details
Balance: $250.00 - $9,999.99; Relationship APY
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
5 Year TD Choice CD
$250
1.00%
▼ 2.21% below Florida avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 2.21% below avgNationally 2.91%
Details
Relationship APY; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
60 Month CD
$2,500
1.00%
▼ 2.21% below Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 2.21% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 6 times
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1902 NW 14th Ave, Miami, FL 33125 1658
60 Month Share Certificate
$0
0.65%
▼ 2.56% below Florida avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▼ 2.56% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
60 Month Certificate of Deposit
$0
0.03%
▼ 3.18% below Florida avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 3.18% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
60 Month Certificate of Deposit
$0
0.02%
▼ 3.19% below Florida avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 3.19% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
60 Month Certificate of Deposit
$0
0.01%
▼ 3.20% below Florida avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 3.20% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
60 Month Certificate
$2,000
5.20%
▲ 1.99% above Florida avg
▼
Rate5.07%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▲ 1.99% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 5.20% APY · checked 2 times
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Miami, FL CD Rate Trends
Compare local Miami, 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.
12-Month CD FL Avg
3.218%
▲ 0.012 vs 7 days ago
Florida 12-month CD rates rose 0.012 points over the past 7 days to 3.218% APY.
6-Month CD FL Avg
3.060%
▼ 0.002 vs 7 days ago
Florida 6-month CD rates fell 0.002 points over the past 7 days to 3.060% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
FL CD Rate Forecast, Next 12 Months
Where are Florida CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
FL 12-Month Avg APY
3.218%
6-Month Forecast
3.218%
Range: 3.02%, 3.37%
12-Month Forecast
3.468%
Range: 3.27%, 3.62%
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 | 2.076% | $103.78 | $207.56 | $518.90 | $1,037.80 |
| 6-Month CD | 3.060% | $153.02 | $306.03 | $765.07 | $1,530.15 |
| 12-Month CD | 3.218% | $160.91 | $321.81 | $804.53 | $1,609.05 |
| 18-Month CD | 3.268% | $163.42 | $326.84 | $817.10 | $1,634.20 |
| 24-Month CD | 3.163% | $158.16 | $316.32 | $790.80 | $1,581.60 |
| 36-Month CD | 2.980% | $148.99 | $297.98 | $744.95 | $1,489.90 |
| 48-Month CD | 2.950% | $147.50 | $294.99 | $737.48 | $1,474.95 |
| 60-Month CD | 3.208% | $160.39 | $320.79 | $801.97 | $1,603.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026. | |||||
Powered byMonitorBankRates
Sample CD Ladder for Miami, 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.
| Rung | Term | Deposit | FL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.076% | $103.78 |
| 2 | 6-Month CD | $5,000 | 3.060% | $153.02 |
| 3 | 12-Month CD | $5,000 | 3.218% | $160.91 |
| 4 | 24-Month CD | $5,000 | 3.163% | $158.16 |
| 5 | 36-Month CD | $5,000 | 2.980% | $148.99 |
| Total ($25,000 invested) | $25,000 | 2.899% blended | $724.86/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.
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1,952
CD Rates
Tracked in Miami, Florida
Tracked in Miami, Florida
42 Banks
60 Credit Unions
About Our Miami, Florida CD Rate Database
MonitorBankRates tracks 1,952 CD rates from 42 banks and 60 credit unions with locations in Miami, Florida, plus national online institutions available to Florida residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Popular Direct offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Miami, Florida.
How to Find the Best CD Rates in Miami, Florida
What to compare when shopping for a CD in Miami, Florida
To find the best APYs in Miami, Florida, start with credit unions and online-only banks: Miami, Florida has 60 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 Miami, 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 Miami, Florida: 102 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Miami, Florida savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Miami, Florida money market rates
Miami, Florida Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.9%
National avg: 17.3%
Median Individual Earnings
$38,075
National avg: $47,340
Poverty Rate
19.4%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$123/yr
At FL 12-mo avg 3.218% APY
15.9% of residents are 65 or older, below the national average of 17.3%. At today’s FL 12-month CD average of 3.218%, saving 10% of the local median salary ($3,807/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 Miami, Florida
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Miami, 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 Miami, 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 Miami, Florida as everywhere in the U.S.
Choosing a CD Term in Miami, 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 Miami, Florida savers easier access to their funds. For example, Popular Direct is offering its 6 Month Certificate at 4.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Popular Direct is offering its 60 Month Certificate at 5.00% 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 Miami, 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 Miami, 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 Miami, 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 Miami, 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 Miami, Florida
Most CDs carry a fixed rate that is locked for the entire term, protecting a Miami, 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 Miami, Florida
Are CD rates in Miami, Florida FDIC insured?
Yes, most established banks in Miami, 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 Miami, 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 Miami, 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 Miami, 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 Miami, Florida?
Here are recent top rates found for this area:
- Popular Direct: 5.00% APY (60 Month Certificate)
- City National Bank of Florida: 4.50% APY (24-month online CD)
- HSBC Bank USA: 4.45% APY (24 Month CD)
- Tropical Financial Credit Union: 4.40% APY (12 Month IRA Certificate)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- MIAMI FIREFIGHTERS: 4.30% APY (24 Month Share Certificates)
- Connect Credit Union: 4.28% APY (60 Month Jumbo Certificate)
- Amerant Bank: 4.25% APY (6 Month Certificate of Deposit)
- Baptist Health South Florida Federal Credit Union: 4.25% APY (12 Month Promotional Share Certificate)
- Space Coast Credit Union: 4.25% APY (12 Month CD)
Rates reflect recent verified offers available in Miami, Florida. Last Updated: October 13, 2026
Miami, 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 Miami, Florida rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Miami, Florida
Miami, Florida CD Calculator
At today’s FL top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Miami, Florida CD LadderFL CD rates currently range from 2.076% (3-month) to 2.980% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Miami, Florida CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsFlorida’s average 12-month CD is 3.218% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Miami, 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 Miami, 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 Miami, Florida. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in FL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026
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