Miami, Florida CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Miami, Florida CD rates include MIAMI FIREFIGHTERSMIAMI FIREFIGHTERS1111 NW 7th St, Miami, FL 33136A5.0 ★Texas Ratio: 2.29%Real return: +1.35%APY minus CPI (February 2026) offering 18 Months Share Certificates at 4.15% APY, Newtek BankNewtek Bank1111 Brickell Ave, Miami, FL 33131A+5.0 ★Texas Ratio: 5.72%Real return: +1.20%APY minus CPI (February 2026) offering 6 Month CD at 4.00% APY, Justice Federal Credit UnionJustice Federal Credit Union400 NW 2nd Ave Ste 309, Miami, FL 33128 1706A5.0 ★Texas Ratio: 8.56%Real return: +1.20%APY minus CPI (February 2026) offering Traditional IRA and Roth IRA Certificate 36 month at 4.00% APY, Jetstream Federal Credit UnionJetstream Federal Credit Union7500 NW 58th St, Miami, FL 33166A+5.0 ★Texas Ratio: 2.20%Real return: +1.07%APY minus CPI (February 2026) offering Jumbo Certificates 12-Month at 3.87% APY, and Dade County Federal Credit UnionDade County Federal Credit Union111 NW 1st ST, Miami, FL 33128A+5.0 ★Texas Ratio: 1.54%Real return: +0.95%APY minus CPI (February 2026) offering 6 Months Share Certificate Promotional Rate at 3.75% APY. CD rates as of June 1, 2026 according to verified data from MonitorBankRates.
Miami has 171 local institutions in our database, with CD rates as high as 4.15% APY from MIAMI FIREFIGHTERS at 1111 NW 7th St, Miami, FL 33136. 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 — 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: June 1, 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
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
3 Month CD
$2,500
3.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
3 Months Share Certificates
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates 3 Months
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
720 Nw 57th Ave, Miami, FL 33126
3 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
111 NW 1st ST, Miami, FL 33128
3 month Share Certificates
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7500 NW 58th St, Miami, FL 33166
3-Month Certificates and IRA Certificates
$10,000
0.50%
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 30, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 90 Day CD
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 90 Day IRA CD
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 90 Days
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Share Certificates 3 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Guaranteed rate for 3 months
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Share Certificates 3 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
90-Day IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
90-Day Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Annual Percentage Yield (APY). The interest rate and APY are effective as of May 21, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days' interest. Fees could reduce earnings on the account. Additional restrictions may apply.
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Business Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
3 Months Certificates of Deposit & IRAs
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 3 Months
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
3 Months Standard Certificates
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
Standard Certificates 3 Months
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$1,000,000
3.25%
▼
Rate3.20%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 21, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$750,000
3.15%
▼
Rate3.10%
Min Deposit$750,000
Min Balance—
UpdatedMay 21, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3 Months Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$50,000
3.00%
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Compounding IRA Share Certificates 3 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Compounding Share Certificates 3 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Non-Compounding Share Certificates 3 months
$0
2.96%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
90 Days Certificates of Deposit (CDs)
$2,000
2.85%
▼
Rate2.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
A penalty may be imposed for early withdrawal.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 and above
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Millionaire Certificate
$1,000,000
2.55%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedMay 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Months Term Share Certificates
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Under $100,000
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Regular Certificate
$1,000
2.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Miami 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
6 Month CD
$2,500
4.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7500 NW 58th St, Miami, FL 33166
6-Month Certificates and IRA Certificates
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7500 NW 58th St, Miami, FL 33166
Golden Eagle Certificates 6-Month
$5,000
3.87%
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
UpdatedMay 30, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7500 NW 58th St, Miami, FL 33166
Jumbo Certificates 6-Month
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 30, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
6 Months Share Certificates
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
111 NW 1st ST, Miami, FL 33128
6 Months Share Certificate Promotional Rate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL 33131
New Money 6 Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL 33131
Online 6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL 33131
Wealth Center/Telephone Deposit 6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
6-Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
6-Month Fixed Rate CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ocean Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
780 Nw 42nd Ave, Miami, FL 33126
6-Month CD
$2,500
3.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Special promotion. See disclosures at bottom of page.
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1000 NW 111th Ave, Miami, FL 33172 5800
6 Months Certificates and CD IRAs
$20,000
3.40%
▼
Rate3.35%
Min Deposit$20,000
Min Balance—
UpdatedMay 20, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1000 NW 111th Ave, Miami, FL 33172 5800
6 Months Certificates and CD IRAs
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 6 month
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Special Certificate 6 month
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA 6 month
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
6 Month Youth CD Share Certificates
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
6 Months Share Certificates
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates 6 Month Youth CD
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates 6 Months
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
111 NW 1st ST, Miami, FL 33128
6 month Share Certificates
$0
1.91%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
6-month term Regular CDs
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
13241 SW 136th St, MIAMI, FL 33186 5822
6 Month Certificate
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
720 Nw 57th Ave, Miami, FL 33126
6 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 180 Days
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates subject to change
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month IRA CD
$100,000
4.10%
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
6 Months Fixed Rate Certificates
$1,000
4.08%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 6 Months
$1,000
4.08%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month IRA CD
$25,000
4.05%
▼
Rate3.98%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Months Certificates of Deposit (CDs)
$2,000
4.00%
▼
Rate3.92%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month HSA Certificate of Deposit (CD)
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
HSA Certificate of Deposit (CD) 6 month
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.88%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month HSA Certificate of Deposit (CD)
$25,000
3.95%
▼
Rate3.88%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
HSA Certificate of Deposit (CD) 6 month
$25,000
3.95%
▼
Rate3.88%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
HSA Certificate of Deposit (CD) 6 month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month HSA Certificate of Deposit (CD)
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6 Month Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
12 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
12 Months Share Certificates
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
12 Month IRA Share Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
12 Month Share Certificates Rate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7500 NW 58th St, Miami, FL 33166
12-Month Certificates and IRA Certificates
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7500 NW 58th St, Miami, FL 33166
Golden Eagle Certificates 12-Month
$5,000
3.87%
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
UpdatedMay 30, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7500 NW 58th St, Miami, FL 33166
Jumbo Certificates 12-Month
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 30, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL 33131
New Money 12 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL 33131
Online 12 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL 33131
Wealth Center/Telephone Deposit 12 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
12-Month Fixed Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 12 month
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1000 NW 111th Ave, Miami, FL 33172 5800
12 Months Certificates and CD IRAs
$20,000
3.30%
▼
Rate3.25%
Min Deposit$20,000
Min Balance—
UpdatedMay 20, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1000 NW 111th Ave, Miami, FL 33172 5800
12 Months Certificates and CD IRAs
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Special Certificate 12 month
$500
3.21%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA 12 month
$500
3.21%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
111 NW 1st ST, Miami, FL 33128
12 month Share Certificates
$0
2.92%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
111 NW 1st ST, Miami, FL 33128
Share IRA Certificates 12 month
$0
2.92%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
12 Months Share Certificates
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates 12 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
5757 Waterford District Dr, Miami, FL 33126 2035
1 Year
$0
1.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) 12-month term
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
12-month term Regular CDs
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) 12-month term
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
13241 SW 136th St, MIAMI, FL 33186 5822
1 Year Certificate
$500
1.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
720 Nw 57th Ave, Miami, FL 33126
12 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 12 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Tru Certificates of Deposit Teen 12 Month Special
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
*Max Amount $2,500
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Certificate
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Months Certificates of Deposit (CDs)
$2,000
4.05%
▼
Rate3.97%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$1,000,000
4.05%
▼
Rate3.98%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 21, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month HSA Fixed Rate Certificates
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Months Fixed Rate Certificates
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 12 Months
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
12-Month Share Certificate Account
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
12-month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$750,000
4.00%
▼
Rate3.93%
Min Deposit$750,000
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$500,000
3.95%
▼
Rate3.88%
Min Deposit$500,000
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$250,000
3.90%
▼
Rate3.83%
Min Deposit$250,000
Min Balance—
UpdatedMay 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Miami 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
18 Month IRA Share Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
18 Month Share Certificate Rate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
18 Months Share Certificates
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
18 Month CD
$2,500
3.95%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
18 Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
111 NW 1st ST, Miami, FL 33128
18 month Share Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates 18 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
18 Months Share Certificates
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7500 NW 58th St, Miami, FL 33166
18-Month Certificates and IRA Certificates
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
720 Nw 57th Ave, Miami, FL 33126
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
$250.00 - $9,999.99; Relationship APY
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Months Certificates of Deposit (CDs)
$2,000
4.20%
▼
Rate4.11%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.64%
18 Month Market Watch** Share Certificate
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.64%
Share Certificate 18 Month Market Watch
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 month IRA CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
Petite Share Certificates 18 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedMay 17, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
18 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Bank (NJ)
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
12 or 18 Month Certificate of Deposit
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH IRA CERT
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH IRA CERT
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 0.94%
Preferred Investment Certificates 18 month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
see details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
18 Months Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
18 Month CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
18 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH IRA CERT
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
18 months Certificates of Deposit
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Certificates of Deposit - Special Offers 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Certificates of Deposit 18 months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Certificates of Deposit - Pulse Certificate 18 months
$100
3.40%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Term Share Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Share CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Miami 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
24 Month IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
24 Months Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
24 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
24 Month CD
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL 33131
New Money 24 Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL 33131
Online 24 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL 33131
Wealth Center/Telephone Deposit 24 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Special Certificate 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
24-Month Fixed Rate CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1000 NW 111th Ave, Miami, FL 33172 5800
24 Months Certificates and CD IRAs
$20,000
3.14%
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedMay 20, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1000 NW 111th Ave, Miami, FL 33172 5800
24 Months Certificates and CD IRAs
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
111 NW 1st ST, Miami, FL 33128
Share IRA Certificates 24 month
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) 24-month term
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7500 NW 58th St, Miami, FL 33166
24-Month Certificates and IRA Certificates
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
24 Months Share Certificates
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates 24 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
24-month term Regular CDs
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) 24-month term
$0
2.34%
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
13241 SW 136th St, MIAMI, FL 33186 5822
2 Year Certificate
$500
1.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
720 Nw 57th Ave, Miami, FL 33126
24 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
$250.00 - $9,999.99; Relationship APY
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 2 Year CD
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 2 Year IRA CD
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 24 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH IRA CERT
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
24 Months Certificates of Deposit (CDs)
$2,000
4.15%
▼
Rate4.07%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH IRA CERT
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH IRA CERT
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
Petite Share Certificates 24 month
$40,000
3.95%
▼
Rate3.87%
Min Deposit$40,000
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month HSA Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Months Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 24 Months
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
IRA Share Certificates 24 month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
24-Month Term Certificate
$750,000
3.85%
▼
Rate3.78%
Min Deposit$750,000
Min Balance—
UpdatedMay 21, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
24 month IRA CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Miami 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
36 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
36 Month IRA Share Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
36 Months Share Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
36 Month CD
$2,500
3.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
36-Month Fixed Rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1000 NW 111th Ave, Miami, FL 33172 5800
36 Months Certificates and CD IRAs
$20,000
3.14%
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedMay 20, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1000 NW 111th Ave, Miami, FL 33172 5800
36 Months Certificates and CD IRAs
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) 36-month term
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
111 NW 1st ST, Miami, FL 33128
Share IRA Certificates 36 month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7500 NW 58th St, Miami, FL 33166
36-Month Certificates and IRA Certificates
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
36 Months Share Certificates
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates 36 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) 36-month term
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
13241 SW 136th St, MIAMI, FL 33186 5822
3 Year Certificate
$500
1.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
720 Nw 57th Ave, Miami, FL 33126
3 Year
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 3 Year CD
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 3 Year IRA CD
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 36 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
36 Months Certificates of Deposit (CDs)
$2,000
4.15%
▼
Rate4.07%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36 MONTH CERTIFICATE
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36 MONTH CERTIFICATE
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 36 Months
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
36 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Months Fixed Rate Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36 MONTH CERTIFICATE
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month Bonus Certificates
$40,000
3.71%
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 years Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
Petite Share Certificates 36 month
$40,000
3.64%
▼
Rate3.58%
Min Deposit$40,000
Min Balance—
UpdatedMay 17, 2026
Details
Miami 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
48 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
48 Months Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 48 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Special Certificate 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) 48-month term
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
48 Month CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
48 Month CD
$2,500
1.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 48 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
48 Months Certificates of Deposit (CDs)
$2,000
4.20%
▼
Rate4.11%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Term Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Term Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
48 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
48 Month Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 48 Months
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
48 Months Fixed Rate Certificates
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4 years Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month Share CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month Term Share Certificate
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo College Saver 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH IRA CERT
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH IRA CERT
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH CERTIFICATE
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Mini-Jumbo Certificate 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Mini-Jumbo College Saver 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early withdrawal penalties may apply.
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
48 Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Standard College Saver 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $500
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Standard 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48 Month CD VIP BONUS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48 Month IRA/HSA CD VIP BONUS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH IRA CERT
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Miami 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
60 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
60 Months Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 60 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1000 NW 111th Ave, Miami, FL 33172 5800
60 Months Certificates and CD IRAs
$20,000
3.14%
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedMay 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Special Certificate 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional and Roth IRA 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1000 NW 111th Ave, Miami, FL 33172 5800
60 Months Certificates and CD IRAs
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
60-month term Regular CDs
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL 33196
IRA Certificates (CDs) 60-month term
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
111 NW 1st ST, Miami, FL 33128
60 month Share Certificates
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7500 NW 58th St, Miami, FL 33166
60-Month Certificates and IRA Certificates
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
60 Months Share Certificates
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates 60 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
60 Month CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
13241 SW 136th St, MIAMI, FL 33186 5822
5 Year Certificate
$500
1.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
720 Nw 57th Ave, Miami, FL 33126
5 Year
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
720 Nw 57th Ave, Miami, FL 33126
5 Year Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
60 Month CD
$2,500
1.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 60 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
60 Months Certificates of Deposit (CDs)
$2,000
4.25%
▼
Rate4.16%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
60 Month IRA CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
60 Month Share Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
60 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
60-Month Term Certificate
$750,000
3.80%
▼
Rate3.73%
Min Deposit$750,000
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo College Saver 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5 years Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Traditional/Roth IRA Jumbo Certificate 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
60-Month Term Certificate
$250,000
3.70%
▼
Rate3.64%
Min Deposit$250,000
Min Balance—
UpdatedMay 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month Share CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month IRA
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
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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.
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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
2.713%
▲ 0.002 vs 7 days ago
Florida 12-month CD rates rose 0.002 points over the past 7 days to 2.713% APY.
6-Month CD — FL Avg
2.745%
▲ 0.023 vs 7 days ago
Florida 6-month CD rates rose 0.023 points over the past 7 days to 2.745% APY.
As of Jun 3, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
FL CD Rate Forecast — Next 12 Months
Where are Florida CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
FL 12-Month Avg APY
2.713%
6-Month Forecast
2.713%
Range: 2.51% – 2.86%
12-Month Forecast
2.463%
Range: 2.26% – 2.61%
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 | 1.938% | $96.92 | $193.84 | $484.60 | $969.20 |
| 6-Month CD | 2.745% | $137.24 | $274.47 | $686.18 | $1,372.35 |
| 12-Month CD | 2.713% | $135.66 | $271.32 | $678.30 | $1,356.60 |
| 18-Month CD | 2.466% | $123.32 | $246.63 | $616.58 | $1,233.15 |
| 24-Month CD | 2.567% | $128.37 | $256.74 | $641.85 | $1,283.70 |
| 36-Month CD | 2.513% | $125.66 | $251.31 | $628.28 | $1,256.55 |
| 48-Month CD | 2.665% | $133.27 | $266.54 | $666.35 | $1,332.70 |
| 60-Month CD | 2.217% | $110.86 | $221.72 | $554.30 | $1,108.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 1, 2026. | |||||
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 | 1.938% | $96.92 |
| 2 | 6-Month CD | $5,000 | 2.745% | $137.24 |
| 3 | 12-Month CD | $5,000 | 2.713% | $135.66 |
| 4 | 24-Month CD | $5,000 | 2.567% | $128.37 |
| 5 | 36-Month CD | $5,000 | 2.513% | $125.66 |
| Total ($25,000 invested) | $25,000 | 2.495% blended | $623.85/yr | |
Ladder example uses equal $5,000 rungs and Florida average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,020
CD Rates
Tracked in Miami, Florida
Tracked in Miami, Florida
29 Banks
70 Credit Unions
About Our Miami, Florida CD Rate Database
MonitorBankRates tracks 1,020 CD rates from 29 banks and 70 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 (1–5), 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: MIAMI FIREFIGHTERS offers a CD at 4.15% 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 70 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in 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 — 99 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Miami, Florida savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → 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
$103/yr
At FL 12-mo avg 2.713% 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 2.713%, saving 10% of the local median salary ($3,807/year) and putting it in a CD would earn an additional $103 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 (90–180 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, Newtek Bank is offering its 6 Month CD at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, MIAMI FIREFIGHTERS is offering its 60 Month IRA Share Certificate at 3.65% 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:
- MIAMI FIREFIGHTERS: 4.15% APY (18 Months Share Certificates)
- Newtek Bank: 4.00% APY (6 Month CD)
- Justice Federal Credit Union: 4.00% APY (Traditional IRA and Roth IRA Certificate 36 month)
- Jetstream Federal Credit Union: 3.87% APY (Jumbo Certificates 12-Month)
- Dade County Federal Credit Union: 3.75% APY (6 Months Share Certificate Promotional Rate)
- HSBC Bank USA: 3.70% APY (New Money 24 Month CD)
- ValleyDirect: 3.55% APY (3-Month CD)
- Ocean Bank: 3.50% APY (6-Month CD)
- Connect Credit Union: 3.40% APY (6 Months Certificates and CD IRAs)
- Baxter Credit Union: 3.30% APY (18-month term CD Specials)
Rates reflect recent verified offers available in Miami, Florida. Last Updated: June 1, 2026
CD Calculators for Miami, Florida
Miami, Florida CD Calculator
At today’s FL top rate of 4.15% APY, a $10,000 deposit earns $415 in the first year. Enter your amount to see your exact return.
Miami, Florida CD LadderFL CD rates currently range from 1.938% (3-month) to 2.513% (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 4.15% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsFlorida’s average 12-month CD is 2.713% 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: June 1, 2026
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