Mount Pleasant, Florida Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Mount Pleasant, Florida CD rates from banks and credit unions serving Florida range from 0.55% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Mount Pleasant, Florida CD rates include Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.89%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Family Legacy Certificate Account at 5.00% APY, Popular DirectPopular DirectA+5.0 ★Texas Ratio: 2.12%Real return: +2.20%APY minus CPI (February 2026) offering 60 Month CD at 5.00% APY, First Choice Credit Union West Palm Beach, FLFirst Choice Credit Union West Palm Beach, FLA+5.0 ★Texas Ratio: 2.64%Real return: +1.95%APY minus CPI (February 2026) offering Jumbo 60 Month Certificates at 4.75% APY, Kinecta Federal Credit UnionKinecta Federal Credit UnionA+5.0 ★Texas Ratio: 3.82%Real return: +1.70%APY minus CPI (February 2026) offering 18-Month Promo Certificate at 4.50% APY, and Suncoast Credit UnionSuncoast Credit UnionA5.0 ★Texas Ratio: 6.26%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month Jumbo Certificate at 4.50% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Mount Pleasant is a smaller community with no bank or credit union branches currently in our database. 782 institutions serving the Florida area are available to Mount Pleasant residents, with CD rates as high as 5.00% APY from Platinum Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Mount Pleasant, Florida & the Surrounding Area
Mount Pleasant 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month CD
$0
4.30%
▲ 2.22% above Florida avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 2.22% above avgNationally 2.09%
Details
Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- Oct 14, 20264.30%▲ from 4.15%
- Oct 1, 20264.15%▲ from 3.95%
- Sep 24, 20263.95%first recorded
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 month CD
$1,000
3.85%
▲ 1.77% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.77% above avgNationally 2.09%
Details
Special CD Rates for Continental U.S.
Rate History
1 change since Sep 30, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
- Oct 6, 20263.85%▲ from 3.80%
- Sep 30, 20263.80%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3 Month Promotional Share Certificate
$0
3.75%
▲ 1.67% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details
Limited time offer valid starting August 2026; $500 minimum opening deposit
Rate History
2 changes since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.20%
- Oct 13, 20263.75%▲ from 3.20%
- Oct 5, 20263.20%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 month Business Share Certificates
$0
3.75%
▲ 1.67% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 3.75% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 month Share Certificates
$0
3.75%
▲ 1.67% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details
Balance: $1,000 to $24,999; Rates effective as of 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
Share Certificates - 3 month
$1,000
3.75%
▲ 1.67% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details
Balance: $25,000 to $99,999; Dividends compounded and paid quarterly
Rate History
No change since Oct 13, 2026 · 3.75% APY
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Month CD
$0
3.75%
▲ 1.67% above Florida avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details
Effective Date: September 21, 2026
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Month IRA CD
$500
3.75%
▲ 1.67% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Sep 22, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.71%
▲ 1.63% above Florida avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.63% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 3 Month Jumbo
$100,000
3.71%
▲ 1.63% above Florida avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.63% above avgNationally 2.09%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 3.71% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66%
▲ 1.58% above Florida avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.58% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 3 Month
$1,000
3.66%
▲ 1.58% above Florida avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.58% above avgNationally 2.09%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD - VIP Bonus
$500
3.55%
▲ 1.47% above Florida avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.47% above avgNationally 2.09%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.55% APY
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Business Share Certificate
$0
3.45%
▲ 1.37% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.37% above avgNationally 2.09%
Details
Existing certificates only - no new accounts offered
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - 3 Month
$0
3.45%
▲ 1.37% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.37% above avgNationally 2.09%
Details
Existing certificates only - no new accounts offered; Dividends compounded monthly
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month CD - VIP Bonus
$500
3.40%
▲ 1.32% above Florida avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.32% above avgNationally 2.09%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.35%; VIP Bonus APY 3.40%
Rate History
No change since Oct 13, 2026 · 3.40% APY
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Jumbo Term Share Certificates
$0
3.40%
▲ 1.32% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.32% above avgNationally 2.09%
Details
Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Term Share Certificates
$0
3.40%
▲ 1.32% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.32% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Business 3 Months
$0
3.35%
▲ 1.27% above Florida avg
▼
Rate3.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.08%▲ 1.27% above avgNationally 2.09%
Details
Rate History
No change since Sep 11, 2026 · 3.35% APY · checked 3 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35%
▲ 1.27% above Florida avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.27% above avgNationally 2.09%
Details
Early withdrawal penalty: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
- Sep 18, 20263.35%▲ from 3.26%
- Sep 14, 20263.26%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD
$500
3.30%
▲ 1.22% above Florida avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.22% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month Jumbo Certificates
$0
3.29%
▲ 1.21% above Florida avg
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.21% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 3.29% ▼ 0.71 pts · high 4.00% / low 3.29%
- Oct 13, 20263.29%▼ from 4.00%
- Sep 18, 20264.00%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Jumbo Certificates 3 Months
$0
3.29%
▲ 1.21% above Florida avg
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.21% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 3.29% ▼ 0.71 pts · high 4.00% / low 3.29%
- Oct 13, 20263.29%▼ from 4.00%
- Sep 18, 20264.00%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month Standard Certificates
$0
3.26%
▲ 1.18% above Florida avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.18% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 3.26% ▼ 0.74 pts · high 4.00% / low 3.26%
- Oct 13, 20263.26%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Standard Certificates - 3 Months
$0
3.26%
▲ 1.18% above Florida avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.18% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 3.26% ▼ 0.74 pts · high 4.00% / low 3.26%
- Oct 13, 20263.26%▼ from 4.00%
- Sep 14, 20264.00%first recorded
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3 Month Certificate
$1,000
3.25%
▲ 1.17% above Florida avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3 Month IRA Certificate
$1,000
3.25%
▲ 1.17% above Florida avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Open
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
Certificate of Deposit - 3 Months
$500
3.25%
▲ 1.17% above Florida avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
Certificates of Deposit - 3 Month
$500
3.25%
▲ 1.17% above Florida avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Minimum average daily balance to earn APY: $500
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
IRA Certificate 3 Months
$500
3.25%
▲ 1.17% above Florida avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Rates effective as of October 13, 2026
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month AMP Term Share Certificates
$0
3.25%
▲ 1.17% above Florida avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Subject to penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
90-Day IRA Certificate
$50
3.25%
▲ 1.17% above Florida avg
▼
Rate3.20%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
90-Day Share Certificate
$1,000
3.25%
▲ 1.17% above Florida avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details
Dividend Rate 3.203%; APY* 3.25%
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3 Month Share Certificate
$0
3.20%
▲ 1.12% above Florida avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.12% above avgNationally 2.09%
Details
Balance: $50,000 or more; Dividends paid MONTHLY; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month CD
$500
3.15%
▲ 1.07% above Florida avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.07% above avgNationally 2.09%
Details
Dividend Rate (Interest) 3.11%; APY 3.15%
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 6 times
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
Certificate - 3 Months
$1,000
3.14%
▲ 1.06% above Florida avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.06% above avgNationally 2.09%
Details
Minimum of $1,000.00 required
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 8 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3 Month Share Certificate
$0
3.10%
▲ 1.02% above Florida avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.02% above avgNationally 2.09%
Details
Balance: $25,000 - $49,999; Dividends paid MONTHLY; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Month Certificate
$500
3.04%
▲ 0.96% above Florida avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 0.96% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
90 day CD
$500
3.00%
▲ 0.92% above Florida avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.08%▲ 0.92% above avgNationally 2.09%
Details
Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.
Rate History
1 change since Sep 19, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
- Sep 24, 20263.00%▲ from 2.75%
- Sep 19, 20262.75%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3 Month Share Certificate
$0
3.00%
▲ 0.92% above Florida avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 0.92% above avgNationally 2.09%
Details
Balance: $500 - $24,999; Dividends paid MONTHLY; Min Balance: $500
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
3 Month Emergency Fund Certificate
$100
3.00%
▲ 0.92% above Florida avg
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 0.92% above avgNationally 2.09%
Details
Certificate for Emergency Savings; Minimum to open & earn dividends: $100; Maximum Certificate balance: $10,000; Limit one Emergency Fund Certificate per Member
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
- Sep 21, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
3 Month Compounding IRA Share Certificates
$0
3.00%
▲ 0.92% above Florida avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 0.92% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
3 Month Compounding Share Certificates
$0
3.00%
▲ 0.92% above Florida avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 0.92% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
Non-Compounding Share Certificates - 3 months
$0
2.96%
▲ 0.88% above Florida avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 0.88% above avgNationally 2.09%
Details
Non-compounding
Rate History
No change since Sep 18, 2026 · 2.96% APY · checked 6 times
Ocala Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
90 Day Certificate of Deposits (CDs)
$0
2.65%
▲ 0.57% above Florida avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 0.57% above avgNationally 2.09%
Details
Balance: Minimum $500; CDs accrue daily and are paid quarterly; early withdrawal penalty applies
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 5 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Jumbo Certificate
$0
2.60%
▲ 0.52% above Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.08%▲ 0.52% above avgNationally 2.09%
Details
Jumbo
Rate History
No change since Sep 25, 2026 · 2.60% APY · checked 4 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Traditional/Roth IRA Share Certificate
$0
2.60%
▲ 0.52% above Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.08%▲ 0.52% above avgNationally 2.09%
Details
Balance: $100,000 and above
Rate History
No change since Oct 8, 2026 · 2.60% APY · checked 2 times
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
3 Month Millionaire Certificate
$1,000,000
2.55%
▲ 0.47% above Florida avg
▼
RateN/A
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 0.47% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 8 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Business Jumbo Certificate
$0
2.50%
▲ 0.42% above Florida avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.08%▲ 0.42% above avgNationally 2.09%
Details
Balance: $100,000+
Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Regular Certificate
$0
2.50%
▲ 0.42% above Florida avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.08%▲ 0.42% above avgNationally 2.09%
Details
Regular
Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 4 times
Mount Pleasant 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6-Month CD
$1,000
4.40%
▲ 1.34% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.06%▲ 1.34% above avgNationally 2.77%
Details
Rate History
1 change since Sep 16, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 16, 20264.35%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month CD
$0
4.35%
▲ 1.29% above Florida avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.29% above avgNationally 2.77%
Details
Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 6, 20264.35%▲ from 4.25%
- Oct 1, 20264.25%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6-Month Penalty-Free CD
$500
4.33%
▲ 1.27% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.06%▲ 1.27% above avgNationally 2.77%
Details
No penalty for early withdrawals
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Sep 24, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
6 Month Share Certificate - Commercial
$0
4.15%
▲ 1.09% above Florida avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 1.09% above avgNationally 2.77%
Details
Commercial/business account with BCFCU required; dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 4.15% APY
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
6 Month Fixed Rate Jumbo Certificates
$50,000
4.13%
▲ 1.07% above Florida avg
▼
Rate4.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.07% above avgNationally 2.77%
Details
Compound Period: Daily; APY is based on $50,000.00
Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 5 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$100,000
4.12%
▲ 1.06% above Florida avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.06% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 6 Month Jumbo
$100,000
4.12%
▲ 1.06% above Florida avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.06% above avgNationally 2.77%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.12% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10%
▲ 1.04% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.04% above avgNationally 2.77%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.10% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10%
▲ 1.04% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.04% above avgNationally 2.77%
Details
Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Business Fixed Rate Certificates - 6 Months
$1,000
4.08%
▲ 1.02% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.02% above avgNationally 2.77%
Details
Compound Period: Daily
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 2 times
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Fixed Rate Certificates - 6 Months
$1,000
4.08%
▲ 1.02% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.02% above avgNationally 2.77%
Details
Compound Period: Daily
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA
$1,000
4.07%
▲ 1.01% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.01% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 6 Month
$1,000
4.07%
▲ 1.01% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.01% above avgNationally 2.77%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Jumbo Certificate - 6 Months
$100,000
4.01%
▲ 0.95% above Florida avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.95% above avgNationally 2.77%
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6 month CD
$1,000
4.00%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Special CD Rates for Continental U.S.
Rate History
1 change since Sep 30, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
- Oct 6, 20264.00%▲ from 3.95%
- Sep 30, 20263.95%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD
$0
4.00%
▲ 0.94% above Florida avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate of Deposit
$1,000
4.00%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6-Month IRA
$1,000
4.00%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
6-Month Share Certificate
$1,000
4.00%
▲ 0.94% above Florida avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Early withdrawal penalty: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.00% ▲ 0.13 pts · high 4.00% / low 3.87%
- Sep 18, 20264.00%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Share Certificate Promotional - 6 Months
$0
4.00%
▲ 0.94% above Florida avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
4.00% APY 6-Month effective 6/1/2026; Rates effective as of August 24, 2026; Membership is required; Subject to early withdrawal penalty and/or fees
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 3 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Certificates and IRA Certificates - 6-Month
$0
4.00%
▲ 0.94% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Fixed rate; dividends compounded monthly
Rate History
No change since Oct 13, 2026 · 4.00% APY
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Golden Eagle Certificates - 6-Month
$5,000
4.00%
▲ 0.94% above Florida avg
▼
Rate3.93%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Fixed rate; Dividends compounded and paid monthly
Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 5 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Jumbo Certificates - 6-Month
$50,000
4.00%
▲ 0.94% above Florida avg
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 month CD
$0
4.00%
▲ 0.94% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Balance: $100,000 and over
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month HSA Certificate of Deposit (CD)
$0
4.00%
▲ 0.94% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Balance: $100,000 and over
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Business 6 month CD
$0
4.00%
▲ 0.94% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Balance: $100,000 and over
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 month Business Share Certificates
$0
4.00%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.00% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 month Share Certificates
$1,000
4.00%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.94% above avgNationally 2.77%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.00% APY
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
6 Month Share Certificate
$0
3.95%
▲ 0.89% above Florida avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.77%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Oct 5, 2026 · 3.95% APY · checked 3 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 month CD
$0
3.95%
▲ 0.89% above Florida avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.77%
Details
Balance: $25,000 - $99,999.99
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month HSA Certificate of Deposit (CD)
$0
3.95%
▲ 0.89% above Florida avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.77%
Details
Balance: $25,000 - $99,999.99
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Business 6 month CD
$0
3.95%
▲ 0.89% above Florida avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.77%
Details
Balance: $25,000 - $99,999.99
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
6 Month Certificate of Deposit
$0
3.95%
▲ 0.89% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.77%
Details
Standard tier; Min $500
Rate History
No change since Oct 13, 2026 · 3.95% APY
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
6 Month Term Certificate
$1,000
3.95%
▲ 0.89% above Florida avg
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
- Oct 10, 20263.95%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
6 Month Jumbo Certificate
$0
3.95%
▲ 0.89% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.77%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 month CD
$0
3.90%
▲ 0.84% above Florida avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.84% above avgNationally 2.77%
Details
Balance: $500 - $24,999.99
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month HSA Certificate of Deposit (CD)
$0
3.90%
▲ 0.84% above Florida avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.84% above avgNationally 2.77%
Details
Balance: $500 - $24,999.99
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Business 6 month CD
$0
3.90%
▲ 0.84% above Florida avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.84% above avgNationally 2.77%
Details
Balance: $500 - $24,999.99
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month Jumbo Certificates
$0
3.89%
▲ 0.83% above Florida avg
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.83% above avgNationally 2.77%
Details
Rate History
1 change since Sep 18, 2026 · 3.39% → 3.89% ▲ 0.50 pts · high 3.89% / low 3.39%
- Oct 13, 20263.89%▲ from 3.39%
- Sep 18, 20263.39%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Jumbo Certificates 6 Months
$0
3.89%
▲ 0.83% above Florida avg
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.83% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.39% → 3.89% ▲ 0.50 pts · high 3.89% / low 3.39%
- Oct 13, 20263.89%▲ from 3.39%
- Sep 14, 20263.39%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month Standard Certificates
$0
3.86%
▲ 0.80% above Florida avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.80% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.36% → 3.86% ▲ 0.50 pts · high 3.86% / low 3.36%
- Oct 13, 20263.86%▲ from 3.36%
- Sep 14, 20263.36%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Standard Certificates - 6 Months
$0
3.86%
▲ 0.80% above Florida avg
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.80% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.36% → 3.86% ▲ 0.50 pts · high 3.86% / low 3.36%
- Oct 13, 20263.86%▲ from 3.36%
- Sep 14, 20263.36%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
6 Month Promotional Share Certificate
$0
3.85%
▲ 0.79% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.79% above avgNationally 2.77%
Details
Limited time offer valid starting August 2026; $500 minimum opening deposit
Rate History
2 changes since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.25%
- Oct 13, 20263.85%▲ from 3.25%
- Oct 5, 20263.25%▼ from 3.75%
- Sep 14, 20263.75%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
6 Month CD
$0
3.85%
▲ 0.79% above Florida avg
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.79% above avgNationally 2.77%
Details
Effective Date: September 21, 2026
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 5, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
6 Month IRA CD
$500
3.85%
▲ 0.79% above Florida avg
▼
Rate3.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.79% above avgNationally 2.77%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 22, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month IRA Share Certificate
$0
3.85%
▲ 0.79% above Florida avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.79% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Share Certificates - 6 Months
$0
3.85%
▲ 0.79% above Florida avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.79% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 MONTH CD
$0
3.82%
▲ 0.76% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.06%▲ 0.76% above avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 3.82% APY · checked 8 times
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 Month Certificate
$1,000
3.82%
▲ 0.76% above Florida avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.76% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
Mount Pleasant 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
12 Month Family Legacy Certificate Account
$0
5.00%
▲ 1.78% above Florida avg
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.78% above avgNationally 2.99%
Details
Eligibility: must be opened within two years of the date of death; eligibility subject to verification; 12-month fixed term from account opening; one renewal at rate in effect at maturity, rate not guaranteed to match original
Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
- Sep 17, 20265.00%▲ from 4.91%
- Sep 14, 20264.91%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month CD
$0
4.50%
▲ 1.28% above Florida avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 6, 20264.50%▲ from 4.40%
- Oct 1, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
Certificates of Deposit - 12 Months
$500
4.40%
▲ 1.18% above Florida avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.18% above avgNationally 2.99%
Details
Minimum average daily balance to earn APY: $500
Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 7 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
IRA Certificate 12 Months
$500
4.40%
▲ 1.18% above Florida avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.18% above avgNationally 2.99%
Details
Rates effective as of October 13, 2026
Rate History
No change since Oct 10, 2026 · 4.40% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.13% above Florida avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Traditional Teen 12 month CD Special
$0
4.33%
▲ 1.11% above Florida avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.11% above avgNationally 2.99%
Details
Balance: up to $2,500; Tru Traditional/Roth IRA Accounts
Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12 Month Business CD
$500
4.30%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.08% above avgNationally 2.99%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.30% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.08% above avgNationally 2.99%
Details
Top Rate; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
12 Month Promotional Share Certificate
$0
4.25%
▲ 1.03% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details
Advertised APY includes 0.25% new money increase; requires at least $10,000 from another financial institution; Limited time offer valid starting August 2026
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 3.35%
- Oct 13, 20264.25%▲ from 3.35%
- Oct 5, 20263.35%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12 Month CD
$0
4.25%
▲ 1.03% above Florida avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details
Effective Date: September 21, 2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 5, 20264.25%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12 Month IRA CD
$500
4.25%
▲ 1.03% above Florida avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Sep 22, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Jumbo 12 Month Certificates
$75,000
4.25%
▲ 1.03% above Florida avg
▼
Rate4.18%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details
Early withdrawal penalty: 180 days interest
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 1 Year Starter Add-On
$0
4.25%
▲ 1.03% above Florida avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details
Balance: $1 - $1,000; Traditional, Roth & Coverdell Education; Add funds at any time throughout the certificate term up to $1,000; Rates Set: Monthly; Early withdrawal penalty applies; Must have a Regular IRA Savings Account in order to open; Limit One Per Member Under 18 Years of Age
Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 MONTH CD
$0
4.24%
▲ 1.02% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.22%▲ 1.02% above avgNationally 2.99%
Details
Rate History
No change since Sep 19, 2026 · 4.24% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$100,000
4.23%
▲ 1.01% above Florida avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.01% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 12 Month Jumbo
$100,000
4.23%
▲ 1.01% above Florida avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.01% above avgNationally 2.99%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.23% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA
$1,000
4.18%
▲ 0.96% above Florida avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.96% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 12 Month
$1,000
4.18%
▲ 0.96% above Florida avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.96% above avgNationally 2.99%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 8 times
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12-Month Penalty-Free CD
$500
4.15%
▲ 0.93% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.22%▲ 0.93% above avgNationally 2.99%
Details
No penalty for early withdrawals
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Share Certificates - 12 Months
$0
4.15%
▲ 0.93% above Florida avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.93% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 6, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Gala Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Months CD
$0
4.15%
▲ 0.93% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.93% above avgNationally 2.99%
Details
Featured on homepage: Check Out Our New CD Rates
Rate History
No change since Oct 10, 2026 · 4.15% APY · checked 2 times
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Adjustable Rate Certificates - 12 Months
$1,000
4.14%
▲ 0.92% above Florida avg
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.92% above avgNationally 2.99%
Details
Adjustable-Rate Certificate; APY based on $10,000; APY changes bi-annually on January 1st and July 1st; Compound Period: Daily
Rate History
No change since Sep 18, 2026 · 4.14% APY · checked 3 times
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Business Adjustable Rate Certificates - 12 Months
$1,000
4.14%
▲ 0.92% above Florida avg
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.92% above avgNationally 2.99%
Details
Adjustable-Rate Certificate; APY based on $10,000; APY changes bi-annually; Compound Period: Daily
Rate History
No change since Sep 14, 2026 · 4.14% APY · checked 3 times
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12 month CD
$1,000
4.10%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details
Special CD Rates for Continental U.S.
Rate History
1 change since Sep 30, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
- Oct 6, 20264.10%▲ from 4.05%
- Sep 30, 20264.05%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
1-Year Share Certificate
$1,000
4.10%
▲ 0.88% above Florida avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details
Early withdrawal penalty: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
- Sep 18, 20264.10%▲ from 3.93%
- Sep 14, 20263.93%first recorded
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Share Certificate Promotional - 12 Months
$500
4.10%
▲ 0.88% above Florida avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details
4.10% APY 12-Month Share Certificate (CD) effective 8/24/2026; Rates effective as of August 24, 2026; Membership is required; Subject to early withdrawal penalty and/or fees
Rate History
No change since Oct 13, 2026 · 4.10% APY
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Starter Certificate - 1 Year Add-On
$0
4.10%
▲ 0.88% above Florida avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details
Maximum Balance: $1,000; Add funds throughout the certificate term; Rates Set: Monthly; Limit One Per Member; Early withdrawal penalty applies
Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 3 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 1 Year Add-On
$0
4.10%
▲ 0.88% above Florida avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details
Balance: $1 - $1,000; Maximum Balance $1,000; Add funds at any time throughout the certificate term up to $1,000; Rates Set: Monthly; Limit One Per Member Under 18 Years of Age; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.10% APY
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Youth Advantage - 12 Month Term
$1,000,000
4.08%
▲ 0.86% above Florida avg
▼
Rate4.00%
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.86% above avgNationally 2.99%
Details
Tier: Super Jumbo Max
Rate History
No change since Oct 13, 2026 · 4.08% APY
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month Certificate
$500
4.08%
▲ 0.86% above Florida avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.86% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 8 times
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
12 Month Fixed Rate Jumbo Certificates
$50,000
4.08%
▲ 0.86% above Florida avg
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.86% above avgNationally 2.99%
Details
Compound Period: Daily; APY is based on $50,000.00
Rate History
No change since Sep 18, 2026 · 4.08% APY · checked 5 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 12 Month Variable
$1,000
4.08%
▲ 0.86% above Florida avg
▼
Rate4.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.86% above avgNationally 2.99%
Details
Variable rate; penalty equals 6 months of dividends; rate based on 1 Year T Bill rate less 50 basis points, adjusted monthly, not below 1.00% APR or above 8.00% APR; additional deposits allowed at any time.
Rate History
No change since Oct 14, 2026 · 4.08% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.83% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.83% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1 Year Share Certificate
$0
4.05%
▲ 0.83% above Florida avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.83% above avgNationally 2.99%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Oct 5, 2026 · 4.05% APY · checked 3 times
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
12 Month Jumbo Certificates
$0
4.03%
▲ 0.81% above Florida avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.81% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.64% → 4.03% ▲ 0.39 pts · high 4.03% / low 3.64%
- Oct 13, 20264.03%▲ from 3.64%
- Sep 18, 20263.64%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Jumbo Certificates 12 Months
$0
4.03%
▲ 0.81% above Florida avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.81% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.64% → 4.03% ▲ 0.39 pts · high 4.03% / low 3.64%
- Oct 13, 20264.03%▲ from 3.64%
- Sep 14, 20263.64%first recorded
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Business Fixed Rate Certificates - 12 Months
$1,000
4.03%
▲ 0.81% above Florida avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.81% above avgNationally 2.99%
Details
Compound Period: Daily
Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 2 times
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Fixed Rate Certificates - 12 Month HSA
$1,000
4.03%
▲ 0.81% above Florida avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.81% above avgNationally 2.99%
Details
HSA; Compound Period: Daily
Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 2 times
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Fixed Rate Certificates - 12 Months
$1,000
4.03%
▲ 0.81% above Florida avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.81% above avgNationally 2.99%
Details
Compound Period: Daily
Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 12 Month
$0
4.02%
▲ 0.80% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.80% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
- Oct 13, 20264.02%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 12 Month
$0
4.02%
▲ 0.80% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.80% above avgNationally 2.99%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
- Oct 5, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Jumbo Certificate - 12 Months
$100,000
4.01%
▲ 0.79% above Florida avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.79% above avgNationally 2.99%
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Certificate Accounts - 1 Year
$0
4.00%
▲ 0.78% above Florida avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Balance: $500+
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Sep 21, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month MemberPLUS Certificate
$0
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month Jumbo Certificate
$100,000
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 5, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month Mini-Jumbo Certificate
$50,000
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 5, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month Standard Certificate
$1,000
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 5, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month Starter Certificate
$500
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details
Maximum Certificate balance: $2,500
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 5, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Mount Pleasant 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month CD
$0
4.65%
▲ 1.38% above Florida avg
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.38% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 24, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
- Oct 6, 20264.65%▲ from 4.55%
- Oct 1, 20264.55%▲ from 4.35%
- Sep 24, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100,000
4.50%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
- Oct 8, 20264.50%▲ from 4.35%
- Oct 4, 20264.35%▼ from 4.50%
- Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.50%
▲ 1.23% above Florida avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Balance: $100,000+; Jumbo
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Jumbo Certificate
$0
4.50%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Share Certificate
$0
4.50%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Youth Certificate
$0
4.50%
▲ 1.23% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
18 Month Business Share Certificate
$0
4.50%
▲ 1.23% above Florida avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - 18 Month
$0
4.50%
▲ 1.23% above Florida avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details
Dividends compounded monthly
Rate History
1 change since Sep 14, 2026 · 4.59% → 4.50% ▼ 0.09 pts · high 4.59% / low 4.50%
- Oct 14, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
- Oct 12, 20264.35%▲ from 4.25%
- Oct 3, 20264.25%▼ from 4.40%
- Sep 16, 20264.40%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100
4.35%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Or, 4.35% APY* with $100 min.
Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
- Oct 12, 20264.35%▼ from 4.50%
- Oct 4, 20264.50%▲ from 4.35%
- Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.35%
▲ 1.08% above Florida avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Regular
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.35%
▲ 1.08% above Florida avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details
Balance: $100,000+; Jumbo
Rate History
No change since Oct 12, 2026 · 4.35% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$100,000
4.28%
▲ 1.01% above Florida avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.01% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 18 Month Jumbo
$100,000
4.28%
▲ 1.01% above Florida avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.01% above avgNationally 2.88%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.28% APY
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month CD
$0
4.25%
▲ 0.98% above Florida avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Effective Date: September 21, 2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 5, 20264.25%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month IRA CD
$500
4.25%
▲ 0.98% above Florida avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Sep 22, 20264.25%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25%
▲ 0.98% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Share Certificates - 18 Months
$0
4.25%
▲ 0.98% above Florida avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 6, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Share Certificate
$0
4.23%
▲ 0.96% above Florida avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 0.96% above avgNationally 2.88%
Details
Balance: $1,000 - $100,000 +
Rate History
No change since Sep 25, 2026 · 4.23% APY · checked 4 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA
$1,000
4.23%
▲ 0.96% above Florida avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 18 Month
$1,000
4.23%
▲ 0.96% above Florida avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.96% above avgNationally 2.88%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.20%
▲ 0.93% above Florida avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 0.93% above avgNationally 2.88%
Details
Regular
Rate History
No change since Oct 12, 2026 · 4.20% APY
Gala Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months CD
$0
4.20%
▲ 0.93% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.93% above avgNationally 2.88%
Details
Featured on homepage: Check Out Our New CD Rates
Rate History
No change since Oct 10, 2026 · 4.20% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.88% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month View Today's Full List of CD Offerings here
$100,000
4.15%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.27%▲ 0.88% above avgNationally 2.88%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
18 Month IRA Share Certificate
$0
4.15%
▲ 0.88% above Florida avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.88% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.83% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month View Today's Full List of CD Offerings here
$100,000
4.10%
▲ 0.83% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.88%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
Certificates of Deposit - 18 Months
$500
4.10%
▲ 0.83% above Florida avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.88%
Details
Minimum average daily balance to earn APY: $500
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
IRA Certificate 18 Months
$500
4.10%
▲ 0.83% above Florida avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.88%
Details
Rates effective as of October 13, 2026
Rate History
No change since Oct 10, 2026 · 4.10% APY · checked 2 times
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
18 Month Share Certificate
$0
4.08%
▲ 0.81% above Florida avg
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.81% above avgNationally 2.88%
Details
Dividends compounded and credited monthly; early withdrawal penalty applies
Rate History
No change since Oct 5, 2026 · 4.08% APY · checked 3 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month View Today's Full List of CD Offerings here
$100,000
4.05%
▲ 0.78% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.27%▲ 0.78% above avgNationally 2.88%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
18 month CD
$500
4.00%
▲ 0.73% above Florida avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.
Rate History
1 change since Sep 11, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Sep 24, 20264.00%▲ from 3.25%
- Sep 11, 20263.25%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00%
▲ 0.73% above Florida avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
- Oct 9, 20264.00%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00%
▲ 0.73% above Florida avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.73% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
3.95%
▲ 0.68% above Florida avg
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95%
▲ 0.68% above Florida avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.68% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
3.90%
▲ 0.63% above Florida avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.63% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
- Oct 9, 20263.90%▼ from 3.95%
- Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90%
▲ 0.63% above Florida avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.63% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
18 month IRA CD
$0
3.85%
▲ 0.58% above Florida avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.58% above avgNationally 2.88%
Details
Balance: $500 - $24,999.99
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month View Today's Full List of CD Offerings here
$100,000
3.80%
▲ 0.53% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.27%▲ 0.53% above avgNationally 2.88%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.53% above Florida avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.53% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular APY
$0
3.80%
▲ 0.53% above Florida avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.53% above avgNationally 2.88%
Details
Regular APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards APY
$0
3.80%
▲ 0.53% above Florida avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.53% above avgNationally 2.88%
Details
Rewards APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80%
▲ 0.53% above Florida avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.53% above avgNationally 2.88%
Details
Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 14, 20263.80%▲ from 3.65%
- Sep 27, 20263.65%first recorded
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
18 Month Jumbo Share Certificate
$75,000
3.75%
▲ 0.48% above Florida avg
▼
Rate3.68%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 0.48% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
18 Month MemberPLUS Certificate
$0
3.75%
▲ 0.48% above Florida avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.48% above avgNationally 2.88%
Details
Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 2 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
18 month CD
$0
3.75%
▲ 0.48% above Florida avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.48% above avgNationally 2.88%
Details
Balance: $500 - $24,999.99
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Business 18 month CD
$0
3.75%
▲ 0.48% above Florida avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.48% above avgNationally 2.88%
Details
Balance: $500 - $24,999.99
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.43% above Florida avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.43% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Mount Pleasant 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month CD
$0
4.70%
▲ 1.54% above Florida avg
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 1.54% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 24, 2026 · 4.45% → 4.70% ▲ 0.25 pts · high 4.70% / low 4.45%
- Oct 14, 20264.70%▲ from 4.65%
- Oct 1, 20264.65%▲ from 4.45%
- Sep 24, 20264.45%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 Year Business Share Certificates
$0
4.40%
▲ 1.24% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 1.24% above avgNationally 2.88%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.40% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 Year Share Certificates
$1,000
4.40%
▲ 1.24% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 1.24% above avgNationally 2.88%
Details
Balance: $1,000 to $24,999; Tier 1
Rate History
No change since Oct 13, 2026 · 4.40% APY
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Share Certificates - 24 Months
$0
4.30%
▲ 1.14% above Florida avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 1.14% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 6, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Gala Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Months CD
$0
4.30%
▲ 1.14% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 1.14% above avgNationally 2.88%
Details
Featured on homepage: Check Out Our New CD Rates
Rate History
No change since Oct 10, 2026 · 4.30% APY · checked 2 times
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month Share Certificate
$0
4.28%
▲ 1.12% above Florida avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▲ 1.12% above avgNationally 2.88%
Details
Balance: $1,000 - $4,999
Rate History
1 change since Sep 17, 2026 · 3.56% → 4.28% ▲ 0.73 pts · high 4.28% / low 3.56%
- Sep 25, 20264.28%▲ from 3.56%
- Sep 17, 20263.56%first recorded
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Traditional Kid's Club 24 month CD Special
$0
4.25%
▲ 1.09% above Florida avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 1.09% above avgNationally 2.88%
Details
Balance: up to $10,000; Tru Traditional/Roth IRA Accounts
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25%
▲ 1.09% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 1.09% above avgNationally 2.88%
Details
Long-Term Security; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month View Today's Full List of CD Offerings here
$100,000
4.20%
▲ 1.04% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▲ 1.04% above avgNationally 2.88%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Adjustable Rate Certificates - 24 Months
$1,000
4.20%
▲ 1.04% above Florida avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 1.04% above avgNationally 2.88%
Details
Adjustable-Rate Certificate; APY based on $10,000; APY changes bi-annually on January 1st and July 1st; Compound Period: Daily
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 3 times
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Business Adjustable Rate Certificates - 24 Months
$1,000
4.20%
▲ 1.04% above Florida avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 1.04% above avgNationally 2.88%
Details
Adjustable-Rate Certificate; APY based on $10,000; APY changes bi-annually; Compound Period: Daily
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 3 times
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 Month Certificate
$150,000
4.16%
▲ 1.00% above Florida avg
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 1.00% above avgNationally 2.88%
Details
Effective Tuesday, October 13, 2026
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 7 times
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 Month IRA Certificate
$150,000
4.16%
▲ 1.00% above Florida avg
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 1.00% above avgNationally 2.88%
Details
Effective Tuesday, October 13, 2026
Rate History
No change since Oct 13, 2026 · 4.16% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month View Today's Full List of CD Offerings here
$100,000
4.15%
▲ 0.99% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▲ 0.99% above avgNationally 2.88%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA Jumbo
$100,000
4.13%
▲ 0.97% above Florida avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.97% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 10, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 24 Month Jumbo
$100,000
4.13%
▲ 0.97% above Florida avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.97% above avgNationally 2.88%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.13% APY
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 Month Certificate
$75,000
4.11%
▲ 0.95% above Florida avg
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.95% above avgNationally 2.88%
Details
Effective Tuesday, October 13, 2026
Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 7 times
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 Month IRA Certificate
$75,000
4.11%
▲ 0.95% above Florida avg
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.95% above avgNationally 2.88%
Details
Effective Tuesday, October 13, 2026
Rate History
No change since Oct 13, 2026 · 4.11% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month View Today's Full List of CD Offerings here
$100,000
4.10%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▲ 0.94% above avgNationally 2.88%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.10%
▲ 0.94% above Florida avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.94% above avgNationally 2.88%
Details
Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA
$1,000
4.07%
▲ 0.91% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.91% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 10, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 24 Month
$1,000
4.07%
▲ 0.91% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.91% above avgNationally 2.88%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 10, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 Month Certificate
$1,000
4.06%
▲ 0.90% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.90% above avgNationally 2.88%
Details
Effective Tuesday, October 13, 2026
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
24 Month IRA Certificate
$1,000
4.06%
▲ 0.90% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.90% above avgNationally 2.88%
Details
Effective Tuesday, October 13, 2026
Rate History
No change since Oct 13, 2026 · 4.06% APY
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Jumbo Certificate - 24 Months
$100,000
4.06%
▲ 0.90% above Florida avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.90% above avgNationally 2.88%
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.05%
▲ 0.89% above Florida avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.89% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month Term Certificate
$1,000
4.05%
▲ 0.89% above Florida avg
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.89% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Oct 10, 20264.05%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
24 Month Jumbo Certificates
$0
4.03%
▲ 0.87% above Florida avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.87% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.69% → 4.03% ▲ 0.34 pts · high 4.03% / low 3.69%
- Oct 13, 20264.03%▲ from 3.69%
- Sep 18, 20263.69%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Jumbo Certificates 24 Months
$0
4.03%
▲ 0.87% above Florida avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.87% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.69% → 4.03% ▲ 0.34 pts · high 4.03% / low 3.69%
- Oct 13, 20264.03%▲ from 3.69%
- Sep 14, 20263.69%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 24 Month
$0
4.02%
▲ 0.86% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.86% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
- Oct 13, 20264.02%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.02%
▲ 0.86% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.86% above avgNationally 2.88%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
24 month CD
$500
4.00%
▲ 0.84% above Florida avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.
Rate History
1 change since Sep 11, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Sep 24, 20264.00%▲ from 3.50%
- Sep 11, 20263.50%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month CD
$0
4.00%
▲ 0.84% above Florida avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Certificate of Deposit
$1,000
4.00%
▲ 0.84% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24-Month IRA
$1,000
4.00%
▲ 0.84% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00%
▲ 0.84% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Business Share Certificate/CD
$1,000
4.00%
▲ 0.84% above Florida avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty
Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Regular and IRA Certificate of Deposit
$1,000
4.00%
▲ 0.84% above Florida avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term
Rate History
No change since Oct 13, 2026 · 4.00% APY
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 24 months
$0
4.00%
▲ 0.84% above Florida avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 24 months
$0
4.00%
▲ 0.84% above Florida avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 4.00% APY
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
4.00%
▲ 0.84% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 0.84% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
24 Month Standard Certificates
$0
4.00%
▲ 0.84% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.00% ▲ 0.34 pts · high 4.00% / low 3.66%
- Oct 13, 20264.00%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Standard Certificates - 24 Months
$0
4.00%
▲ 0.84% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.00% ▲ 0.34 pts · high 4.00% / low 3.66%
- Oct 13, 20264.00%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
24 Month Certificate of Deposit
$0
4.00%
▲ 0.84% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Standard tier; Min $500
Rate History
No change since Oct 13, 2026 · 4.00% APY
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
24 Month Jumbo Certificate
$0
4.00%
▲ 0.84% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
24 Month Fixed Rate Jumbo Certificates
$50,000
3.98%
▲ 0.82% above Florida avg
▼
Rate3.90%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.82% above avgNationally 2.88%
Details
Compound Period: Daily; APY is based on $50,000.00
Rate History
No change since Sep 18, 2026 · 3.98% APY · checked 5 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
24 Month Jumbo Certificate
$20,000
3.97%
▲ 0.81% above Florida avg
▼
Rate3.90%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.81% above avgNationally 2.88%
Details
Jumbo; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 3.97% APY
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.95%
▲ 0.79% above Florida avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.79% above avgNationally 2.88%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
2-Year Share Certificate
$1,000
3.93%
▲ 0.77% above Florida avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.77% above avgNationally 2.88%
Details
Early withdrawal penalty: 6 Months Dividends
Rate History
No change since Sep 14, 2026 · 3.93% APY · checked 8 times
Mount Pleasant 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month CD
$0
4.85%
▲ 1.87% above Florida avg
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.87% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.85% ▲ 0.35 pts · high 4.85% / low 4.50%
- Oct 14, 20264.85%▲ from 4.80%
- Oct 1, 20264.80%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Jumbo Certificate - 36 Months
$100,000
4.32%
▲ 1.34% above Florida avg
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.34% above avgNationally 2.81%
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit
Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 7 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.25%
▲ 1.27% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▲ 1.27% above avgNationally 2.81%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
36 Month Jumbo Certificate
$0
4.25%
▲ 1.27% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.27% above avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
36 Month Share Certificate
$0
4.25%
▲ 1.27% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.27% above avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
36 Month Youth Certificate
$0
4.25%
▲ 1.27% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.27% above avgNationally 2.81%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.20%
▲ 1.22% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▲ 1.22% above avgNationally 2.81%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month Term Jumbo Certificate
$50,000
4.20%
▲ 1.22% above Florida avg
▼
Rate4.12%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.22% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
- Oct 10, 20264.20%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Adjustable 36 Month Term
$1,000,000
4.18%
▲ 1.20% above Florida avg
▼
Rate4.10%
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.20% above avgNationally 2.81%
Details
Tier: Super Jumbo Max
Rate History
No change since Oct 13, 2026 · 4.18% APY
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
36 Month Jumbo Certificate
$20,000
4.17%
▲ 1.19% above Florida avg
▼
Rate4.10%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.19% above avgNationally 2.81%
Details
Jumbo; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 4.17% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.17% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.15%
▲ 1.17% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD
$0
4.15%
▲ 1.17% above Florida avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificate of Deposit
$1,000
4.15%
▲ 1.17% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36-Month IRA
$1,000
4.15%
▲ 1.17% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15%
▲ 1.17% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 3 Years Add-On
$0
4.15%
▲ 1.17% above Florida avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.17% above avgNationally 2.81%
Details
Balance: $1 - $3,000; Maximum Balance $3,000; Add funds at any time throughout the certificate term up to $3,000; Rates Set: Monthly; Limit One Per Member Under 18 Years of Age; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.15% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$100,000
4.13%
▲ 1.15% above Florida avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.15% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 10, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 36 Month Jumbo
$100,000
4.13%
▲ 1.15% above Florida avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.15% above avgNationally 2.81%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.13% APY
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
36 Month Certificate
$1,000
4.12%
▲ 1.14% above Florida avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.14% above avgNationally 2.81%
Details
Early withdrawal penalty applies
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.12% ▲ 0.77 pts · high 4.12% / low 3.35%
- Oct 5, 20264.12%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.12% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.12% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.10%
▲ 1.12% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▲ 1.12% above avgNationally 2.81%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.10%
▲ 1.12% above Florida avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.98%▲ 1.12% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 9, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month Term Certificate
$1,000
4.10%
▲ 1.12% above Florida avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.12% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 10, 20264.10%▲ from 3.80%
- Sep 14, 20263.80%first recorded
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month Share Certificate
$0
4.07%
▲ 1.09% above Florida avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.98%▲ 1.09% above avgNationally 2.81%
Details
Balance: $1,000 - $4,999
Rate History
1 change since Sep 17, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45%
- Sep 25, 20264.07%▲ from 3.45%
- Sep 17, 20263.45%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA
$1,000
4.07%
▲ 1.09% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.09% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 10, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 36 Month
$1,000
4.07%
▲ 1.09% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.09% above avgNationally 2.81%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 10, 20264.07%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
36 Month Share Certificates
$0
4.06%
▲ 1.08% above Florida avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.08% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 6 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.05%
▲ 1.07% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▲ 1.07% above avgNationally 2.81%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.05%
▲ 1.07% above Florida avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.98%▲ 1.07% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
- Oct 9, 20264.05%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
36 Month Jumbo Certificates
$0
4.03%
▲ 1.05% above Florida avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.05% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.69% → 4.03% ▲ 0.34 pts · high 4.03% / low 3.69%
- Oct 13, 20264.03%▲ from 3.69%
- Sep 18, 20263.69%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Jumbo Certificates 36 Months
$0
4.03%
▲ 1.05% above Florida avg
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.05% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.69% → 4.03% ▲ 0.34 pts · high 4.03% / low 3.69%
- Oct 13, 20264.03%▲ from 3.69%
- Sep 14, 20263.69%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.02%
▲ 1.04% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.04% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
- Oct 13, 20264.02%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.02%
▲ 1.04% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.04% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month View Today's Full List of CD Offerings here
$100,000
4.00%
▲ 1.02% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Business Share Certificate/CD
$1,000
4.00%
▲ 1.02% above Florida avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty
Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Regular and IRA Certificate of Deposit
$1,000
4.00%
▲ 1.02% above Florida avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term
Rate History
No change since Oct 13, 2026 · 4.00% APY
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Business Share Certificate - 36 months
$0
4.00%
▲ 1.02% above Florida avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999
Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Regular and IRA Certificate of Deposit - 36 months
$0
4.00%
▲ 1.02% above Florida avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Balance: $1,000 - $9,999
Rate History
No change since Oct 13, 2026 · 4.00% APY
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00%
▲ 1.02% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.00%
▲ 1.02% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00%
▲ 1.02% above Florida avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
36 Month Standard Certificates
$0
4.00%
▲ 1.02% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.00% ▲ 0.34 pts · high 4.00% / low 3.66%
- Oct 13, 20264.00%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Standard Certificates - 36 Months
$0
4.00%
▲ 1.02% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.00% ▲ 0.34 pts · high 4.00% / low 3.66%
- Oct 13, 20264.00%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Current CD Special 36 Months
$1,000
4.00%
▲ 1.02% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details
Current CD Special; Penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Year Share Certificate
$1,000
3.98%
▲ 1.00% above Florida avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.00% above avgNationally 2.81%
Details
Early withdrawal penalty: 9 Months Dividends
Rate History
No change since Sep 14, 2026 · 3.98% APY · checked 8 times
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Adjustable 36 Month Term
$750,000
3.98%
▲ 1.00% above Florida avg
▼
Rate3.90%
Min Deposit$750,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.00% above avgNationally 2.81%
Details
Tier: Super Jumbo Plus
Rate History
No change since Oct 13, 2026 · 3.98% APY
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95%
▲ 0.97% above Florida avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.98%▲ 0.97% above avgNationally 2.81%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95%
▲ 0.97% above Florida avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.98%▲ 0.97% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
36 Month Certificate
$150,000
3.91%
▲ 0.93% above Florida avg
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.93% above avgNationally 2.81%
Details
Effective Tuesday, October 13, 2026
Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 7 times
Mount Pleasant 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month CD
$0
4.95%
▲ 2.00% above Florida avg
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 2.00% above avgNationally 2.80%
Details
Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.95% ▲ 0.45 pts · high 4.95% / low 4.50%
- Oct 14, 20264.95%▲ from 4.85%
- Oct 1, 20264.85%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.25%
▲ 1.30% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.30% above avgNationally 2.80%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Jumbo Certificate
$50,000
4.25%
▲ 1.30% above Florida avg
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.30% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 10, 20264.25%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.20%
▲ 1.25% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.25% above avgNationally 2.80%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.15%
▲ 1.20% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD
$0
4.15%
▲ 1.20% above Florida avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$1,000
4.15%
▲ 1.20% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48-Month IRA
$1,000
4.15%
▲ 1.20% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15%
▲ 1.20% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Certificate
$1,000
4.15%
▲ 1.20% above Florida avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Oct 10, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$100,000
4.13%
▲ 1.18% above Florida avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.18% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
- Oct 10, 20264.13%▲ from 3.92%
- Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 48 Month Jumbo
$100,000
4.13%
▲ 1.18% above Florida avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.18% above avgNationally 2.80%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.13% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA
$1,000
4.07%
▲ 1.12% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.12% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 10, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 48 Month
$1,000
4.07%
▲ 1.12% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.12% above avgNationally 2.80%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 10, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Jumbo Certificate - 48 Months
$100,000
4.06%
▲ 1.11% above Florida avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.11% above avgNationally 2.80%
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.05%
▲ 1.10% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.10% above avgNationally 2.80%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4-Year Share Certificate
$1,000
4.03%
▲ 1.08% above Florida avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 1.08% above avgNationally 2.80%
Details
Early withdrawal penalty: 9 Months Dividends
Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 8 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
48 Month Jumbo Certificate
$0
4.00%
▲ 1.05% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.05% above avgNationally 2.80%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97%
▲ 1.02% above Florida avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 1.02% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Oct 13, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
3.97%
▲ 1.02% above Florida avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 1.02% above avgNationally 2.80%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month IRA/HSA CD - VIP Bonus
$500
3.90%
▲ 0.95% above Florida avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.95% above avgNationally 2.80%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.90% APY
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
4 Year Jumbo Term Share Certificates
$0
3.90%
▲ 0.95% above Florida avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.95% above avgNationally 2.80%
Details
Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month IRA Certificates
$0
3.81%
▲ 0.86% above Florida avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.86% above avgNationally 2.80%
Details
Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.81%
▲ 0.86% above Florida avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.86% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
- Sep 21, 20263.81%▲ from 3.76%
- Sep 14, 20263.76%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$200,000
3.80%
▲ 0.85% above Florida avg
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 0.85% above avgNationally 2.80%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
48 Month Share Certificates
$0
3.80%
▲ 0.85% above Florida avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.85% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
4 Year Term Share Certificates
$0
3.80%
▲ 0.85% above Florida avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.85% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
Jumbo Share Certificate - 48 months
$100,000
3.76%
▲ 0.81% above Florida avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.81% above avgNationally 2.80%
Details
Jumbo Share Certificate for opening deposits of $100,000 or more
Rate History
No change since Sep 25, 2026 · 3.76% APY · checked 4 times
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
48 Month IRA CD
$0
3.75%
▲ 0.80% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details
Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
Share Certificate - 48 Month
$0
3.75%
▲ 0.80% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details
Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4 Year Certificate
$1,000
3.75%
▲ 0.80% above Florida avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details
Balance: $1,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply
Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month IRA CD
$0
3.75%
▲ 0.80% above Florida avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details
Balance: $100,000 and over
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 5 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month CD - VIP Bonus
$500
3.75%
▲ 0.80% above Florida avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.69%; VIP Bonus APY 3.75%
Rate History
No change since Oct 13, 2026 · 3.75% APY
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
48 Month Share Certificate
$0
3.75%
▲ 0.80% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
48 Month Youth Certificate
$0
3.75%
▲ 0.80% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Business Fixed Rate Certificates - 48 Months
$1,000
3.72%
▲ 0.77% above Florida avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.77% above avgNationally 2.80%
Details
Compound Period: Daily
Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 2 times
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
Fixed Rate Certificates - 48 Months
$1,000
3.72%
▲ 0.77% above Florida avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.77% above avgNationally 2.80%
Details
Compound Period: Daily
Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 2 times
Commerce Bank & Trust Winter Park, FL
Institution Rating:
C-3.7 ★Texas Ratio: 30.17%
48 month CD
$500
3.70%
▲ 0.75% above Florida avg
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 0.75% above avgNationally 2.80%
Details
Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.
Rate History
1 change since Sep 11, 2026 · 3.66% → 3.70% ▲ 0.04 pts · high 3.70% / low 3.66%
- Sep 24, 20263.70%▲ from 3.66%
- Sep 11, 20263.66%first recorded
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month IRA CD
$0
3.70%
▲ 0.75% above Florida avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.75% above avgNationally 2.80%
Details
Balance: $25,000 - $99,999.99
Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 5 times
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
48-Month CD
$1,000
3.67%
▲ 0.72% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.72% above avgNationally 2.80%
Details
Certificates of Deposit (CD); Visa Signature Card Holders receive a 0.25% rate bump on a FAIRWINDS Certificate of Deposit. Must request rate bonus at the time of CD opening or CD renewal.
Rate History
1 change since Sep 14, 2026 · 3.47% → 3.67% ▲ 0.20 pts · high 3.67% / low 3.47%
- Oct 10, 20263.67%▲ from 3.47%
- Sep 14, 20263.47%first recorded
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA 48-month CD
$0
3.67%
▲ 0.72% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.72% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.47% → 3.67% ▲ 0.20 pts · high 3.67% / low 3.47%
- Oct 10, 20263.67%▲ from 3.47%
- Sep 18, 20263.47%first recorded
EGLIN
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Preferred Investment Certificate - 48 month
$2,500
3.66%
▲ 0.71% above Florida avg
▼
Rate3.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.71% above avgNationally 2.80%
Details
Penalty for early withdrawal; Rates current from 10/09/2026 - 10/15/2026
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Jumbo Certificate
$100,000
3.65%
▲ 0.70% above Florida avg
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Traditional/Roth IRA Jumbo Certificate
$100,000
3.65%
▲ 0.70% above Florida avg
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
IRA Certificate
Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month CD
$0
3.65%
▲ 0.70% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Balance: $100,000 and over
Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 5 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month IRA CD
$0
3.65%
▲ 0.70% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Balance: $500 - $24,999.99
Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 5 times
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Business 48 month CD
$0
3.65%
▲ 0.70% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Balance: $100,000 and over
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
48 Month Certificate
$1,000
3.65%
▲ 0.70% above Florida avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
48 Month IRA Certificate
$1,000
3.65%
▲ 0.70% above Florida avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Open
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month IRA/HSA CD
$500
3.65%
▲ 0.70% above Florida avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
Mount Pleasant 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month CD
$0
5.00%
▲ 1.79% above Florida avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 1.79% above avgNationally 2.91%
Details
Rate History
2 changes since Sep 24, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
- Oct 14, 20265.00%▲ from 4.95%
- Oct 1, 20264.95%▲ from 4.50%
- Sep 24, 20264.50%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Jumbo 60 Month Certificates
$75,000
4.75%
▲ 1.54% above Florida avg
▼
Rate4.67%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 1.54% above avgNationally 2.91%
Details
Early withdrawal penalty: 180 days interest
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Oct 14, 20264.75%▲ from 4.35%
- Sep 14, 20264.35%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Regular 60 Month Certificates
$5,000
4.49%
▲ 1.28% above Florida avg
▼
Rate4.42%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 1.28% above avgNationally 2.91%
Details
Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest
Rate History
1 change since Sep 14, 2026 · 4.09% → 4.49% ▲ 0.40 pts · high 4.49% / low 4.09%
- Oct 1, 20264.49%▲ from 4.09%
- Sep 14, 20264.09%first recorded
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
60-Month CD
$500
4.39%
▲ 1.18% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.21%▲ 1.18% above avgNationally 2.91%
Details
90 days interest penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.39% APY · checked 6 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.30%
▲ 1.09% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.21%▲ 1.09% above avgNationally 2.91%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
60 Month Jumbo Certificates
$0
4.28%
▲ 1.07% above Florida avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 1.07% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 3.89% → 4.28% ▲ 0.39 pts · high 4.28% / low 3.89%
- Oct 13, 20264.28%▲ from 3.89%
- Sep 18, 20263.89%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Jumbo Certificates 60 Months
$0
4.28%
▲ 1.07% above Florida avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 1.07% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.89% → 4.28% ▲ 0.39 pts · high 4.28% / low 3.89%
- Oct 13, 20264.28%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
60 Month Jumbo Certificate
$20,000
4.28%
▲ 1.07% above Florida avg
▼
Rate4.20%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 1.07% above avgNationally 2.91%
Details
Jumbo; early withdrawal penalty applies
Rate History
No change since Oct 13, 2026 · 4.28% APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$100,000
4.28%
▲ 1.07% above Florida avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 1.07% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 60 Month Jumbo
$100,000
4.28%
▲ 1.07% above Florida avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 1.07% above avgNationally 2.91%
Details
Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Oct 14, 2026 · 4.28% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.25%
▲ 1.04% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.21%▲ 1.04% above avgNationally 2.91%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD
$0
4.25%
▲ 1.04% above Florida avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.21%▲ 1.04% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificate of Deposit
$1,000
4.25%
▲ 1.04% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.21%▲ 1.04% above avgNationally 2.91%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60-Month IRA
$1,000
4.25%
▲ 1.04% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.21%▲ 1.04% above avgNationally 2.91%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25%
▲ 1.04% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.21%▲ 1.04% above avgNationally 2.91%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 7, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
60 Month Standard Certificates
$0
4.25%
▲ 1.04% above Florida avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 1.04% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.86% → 4.25% ▲ 0.39 pts · high 4.25% / low 3.86%
- Oct 13, 20264.25%▲ from 3.86%
- Sep 14, 20263.86%first recorded
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Standard Certificates - 60 Months
$0
4.25%
▲ 1.04% above Florida avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 1.04% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.86% → 4.25% ▲ 0.39 pts · high 4.25% / low 3.86%
- Oct 13, 20264.25%▲ from 3.86%
- Sep 14, 20263.86%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month Term Jumbo Certificate
$50,000
4.25%
▲ 1.04% above Florida avg
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 1.04% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 10, 20264.25%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
60 Month Certificate
$1,000
4.23%
▲ 1.02% above Florida avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 1.02% above avgNationally 2.91%
Details
Early withdrawal penalty applies
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.23% ▲ 0.88 pts · high 4.23% / low 3.35%
- Oct 5, 20264.23%▲ from 3.35%
- Sep 14, 20263.35%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA
$1,000
4.23%
▲ 1.02% above Florida avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 1.02% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 60 Month
$1,000
4.23%
▲ 1.02% above Florida avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 1.02% above avgNationally 2.91%
Details
Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.20%
▲ 0.99% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.21%▲ 0.99% above avgNationally 2.91%
Details
Interest Frequency: Monthly
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
60 Month Term CD - Super Jumbo Max
$1,000,000
4.18%
▲ 0.97% above Florida avg
▼
Rate4.10%
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.97% above avgNationally 2.91%
Details
Regular CD; Tier: Super Jumbo Max
Rate History
No change since Oct 13, 2026 · 4.18% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.15%
▲ 0.94% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.21%▲ 0.94% above avgNationally 2.91%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 Month IRA/HSA CD - VIP Bonus
$500
4.15%
▲ 0.94% above Florida avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.94% above avgNationally 2.91%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 4.15% APY
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
60 Month Term Certificate
$1,000
4.15%
▲ 0.94% above Florida avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.94% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Oct 10, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10%
▲ 0.89% above Florida avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.21%▲ 0.89% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
BROWARD HEALTHCARE
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Star/IRA Certificates
$0
4.10%
▲ 0.89% above Florida avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.89% above avgNationally 2.91%
Details
Call for weekly rates and information; Early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 14, 20264.10%▲ from 3.85%
- Sep 18, 20263.85%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5-Year Share Certificate
$1,000
4.08%
▲ 0.87% above Florida avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.87% above avgNationally 2.91%
Details
Early withdrawal penalty: 9 Months Dividends
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 8 times
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Share Certificate
$0
4.07%
▲ 0.86% above Florida avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▲ 0.86% above avgNationally 2.91%
Details
Balance: $1,000 - $4,999
Rate History
1 change since Sep 14, 2026 · 2.89% → 4.07% ▲ 1.19 pts · high 4.07% / low 2.89%
- Sep 25, 20264.07%▲ from 2.89%
- Sep 14, 20262.89%first recorded
Transport Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Jumbo Certificate - 60 Months
$100,000
4.06%
▲ 0.85% above Florida avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.85% above avgNationally 2.91%
Details
Jumbo Certificate rates require a $100,000.00 minimum deposit
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month View Today's Full List of CD Offerings here
$100,000
4.05%
▲ 0.84% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.21%▲ 0.84% above avgNationally 2.91%
Details
Interest Frequency: Semi
Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.05%
▲ 0.84% above Florida avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.21%▲ 0.84% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month Certificate Account
$0
4.02%
▲ 0.81% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▲ 0.81% above avgNationally 2.91%
Details
Balance: $100,000 and over
Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 2 times
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
60 Month IRA Certificate Account
$0
4.02%
▲ 0.81% above Florida avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▲ 0.81% above avgNationally 2.91%
Details
Balance: $100,000+
Rate History
No change since Sep 17, 2026 · 4.02% APY · checked 4 times
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
60 Month IRA CD
$0
4.00%
▲ 0.79% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details
Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 5 times
Monroe County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.30%
Share Certificate - 60 Month
$0
4.00%
▲ 0.79% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details
Effective January 24, 2023; Management has discretion to match local rate offerings; Early withdrawal penalties apply
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 5 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.00%
▲ 0.79% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.00%
▲ 0.79% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00%
▲ 0.79% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details
Balance: $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00%
▲ 0.79% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00%
▲ 0.79% above Florida avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 Month CD - VIP Bonus
$500
4.00%
▲ 0.79% above Florida avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.93%; VIP Bonus APY 4.00%
Rate History
No change since Oct 13, 2026 · 4.00% APY
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Current CD Special 60 Months
$1,000
4.00%
▲ 0.79% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details
Current CD Special; Penalties may apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
60 Month Jumbo Certificate
$0
4.00%
▲ 0.79% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5 Year Jumbo Term Share Certificates
$0
4.00%
▲ 0.79% above Florida avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details
Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
BROWARD HEALTHCARE
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Share/IRA Certificates
$0
4.00%
▲ 0.79% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details
Effective October 5, 2026; Call for weekly rates and information; Early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 14, 20264.00%▲ from 3.75%
- Sep 18, 20263.75%first recorded
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Regular 60 Month Certificates
$1,000
3.98%
▲ 0.77% above Florida avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.77% above avgNationally 2.91%
Details
Share & IRA Certificates; Early Withdrawal Penalty: 180 days interest
Rate History
1 change since Sep 14, 2026 · 4.09% → 3.98% ▼ 0.11 pts · high 4.09% / low 3.98%
- Oct 1, 20263.98%▼ from 4.09%
- Sep 14, 20264.09%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.95%
▲ 0.74% above Florida avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.21%▲ 0.74% above avgNationally 2.91%
Details
Balance: $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$50,000
3.95%
▲ 0.74% above Florida avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.21%▲ 0.74% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Mount Pleasant, FL CD Rate Trends
Compare local Mount Pleasant, FL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD FL Avg
3.218%
▲ 0.012 vs 7 days ago
Florida 12-month CD rates rose 0.012 points over the past 7 days to 3.218% APY.
6-Month CD FL Avg
3.060%
▼ 0.002 vs 7 days ago
Florida 6-month CD rates fell 0.002 points over the past 7 days to 3.060% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
FL CD Rate Forecast, Next 12 Months
Where are Florida CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
FL 12-Month Avg APY
3.218%
6-Month Forecast
3.218%
Range: 3.02%, 3.37%
12-Month Forecast
3.468%
Range: 3.27%, 3.62%
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What Your Savings Earn at FL CD Rates Today
Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.
| CD Term | FL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.076% | $103.78 | $207.56 | $518.90 | $1,037.80 |
| 6-Month CD | 3.060% | $153.02 | $306.03 | $765.07 | $1,530.15 |
| 12-Month CD | 3.218% | $160.91 | $321.81 | $804.53 | $1,609.05 |
| 18-Month CD | 3.268% | $163.42 | $326.84 | $817.10 | $1,634.20 |
| 24-Month CD | 3.163% | $158.16 | $316.32 | $790.80 | $1,581.60 |
| 36-Month CD | 2.980% | $148.99 | $297.98 | $744.95 | $1,489.90 |
| 48-Month CD | 2.950% | $147.50 | $294.99 | $737.48 | $1,474.95 |
| 60-Month CD | 3.208% | $160.39 | $320.79 | $801.97 | $1,603.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Mount Pleasant, Florida Savers
$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | FL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.076% | $103.78 |
| 2 | 6-Month CD | $5,000 | 3.060% | $153.02 |
| 3 | 12-Month CD | $5,000 | 3.218% | $160.91 |
| 4 | 24-Month CD | $5,000 | 3.163% | $158.16 |
| 5 | 36-Month CD | $5,000 | 2.980% | $148.99 |
| Total ($25,000 invested) | $25,000 | 2.899% blended | $724.86/yr | |
Ladder example uses equal $5,000 rungs and Florida average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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1,527
CD Rates
Tracked in Mount Pleasant, Florida
Tracked in Mount Pleasant, Florida
15 Banks
83 Credit Unions
About Our Mount Pleasant, Florida CD Rate Database
MonitorBankRates tracks 1,527 CD rates from 15 banks and 83 credit unions with locations in Mount Pleasant, Florida, plus national online institutions available to Florida residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Platinum Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Mount Pleasant, Florida.
How to Find the Best CD Rates in Mount Pleasant, Florida
What to compare when shopping for a CD in Mount Pleasant, Florida
To find the best APYs in Mount Pleasant, Florida, start with credit unions and online-only banks: Mount Pleasant, Florida has 83 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 Mount Pleasant, 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 Mount Pleasant, Florida: 98 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Mount Pleasant, Florida savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Mount Pleasant, Florida money market rates
Florida Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
21.3%
National avg: 17.3%
Median Individual Earnings
$41,891
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$135/yr
At FL 12-mo avg 3.218% APY
21.3% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s FL 12-month CD average of 3.218%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $135 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Mount Pleasant, Florida
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, Florida as everywhere in the U.S.
Choosing a CD Term in Mount Pleasant, 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 Mount Pleasant, Florida savers easier access to their funds. For example, United Fidelity Bank is offering its 6-Month CD at 4.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Popular Direct is offering its 60 Month CD at 5.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, Florida
Most CDs carry a fixed rate that is locked for the entire term, protecting a Mount Pleasant, 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 Mount Pleasant, Florida
Are CD rates in Mount Pleasant, Florida FDIC insured?
Yes, most established banks in Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, Florida?
Here are recent top rates found for this area:
- Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
- Popular Direct: 5.00% APY (60 Month CD)
- First Choice Credit Union West Palm Beach, FL: 4.75% APY (Jumbo 60 Month Certificates)
- Kinecta Federal Credit Union: 4.50% APY (18-Month Promo Certificate)
- Suncoast Credit Union: 4.50% APY (18 Month Jumbo Certificate)
- Launch Credit Union: 4.50% APY (18 Month Business Share Certificate)
- United Fidelity Bank: 4.40% APY (6-Month CD)
- Dfcu Financial Credit Union: 4.40% APY (2 Year Business Share Certificates)
- Tropical Financial Credit Union: 4.40% APY (Certificates of Deposit - 12 Months)
- Climate First Bank: 4.39% APY (60-Month CD)
Rates reflect recent verified offers available in Mount Pleasant, Florida. Last Updated: October 14, 2026
Mount Pleasant, Florida CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Mount Pleasant, Florida rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Mount Pleasant, Florida
Mount Pleasant, Florida CD Calculator
At today’s FL top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Mount Pleasant, Florida CD LadderFL CD rates currently range from 2.076% (3-month) to 2.980% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Mount Pleasant, Florida CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsFlorida’s average 12-month CD is 3.218% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Mount Pleasant, 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 Mount Pleasant, 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 Mount Pleasant, Florida. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in FL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
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