Orlando, Florida Best CD Rates September 2026

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

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

Maximum Certificate balance: $10,000

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

Promotional Rate

Balance: $1,000 - $9,999

Balance: $1,000 - $9,999

Last updated 09/22/2026

Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.

minimum deposit amount of $100,000

Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.

Special promotion. Must be new money to Ocean Bank. New money is funds not currently on deposit at Ocean Bank. Interest rates may change without notice. Initial CD deposit amount is required to be maintained each day to earn the APY disclosed. There will be a penalty for early withdrawals on CDs. Offer does not apply to IRA CDs. Offer subject to change without notice and subject to change at any time. Consult with your tax advisor. Restrictions may apply.

Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.

minimum deposit amount of $100,000

Balance: $1,000 - $9,999

Balance: $1,000 - $9,999

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

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