Orlando, Florida CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Orlando, Florida CD rates include Total Direct BankTotal Direct Bank390 N Orange Ave, Orlando, FL 32801A5.0 ★Texas Ratio: 6.04%Real return: +1.20%APY minus CPI (February 2026) offering 12-month online CD at 4.00% APY, Adventhealth Credit UnionAdventhealth Credit Union601 E Rollins St, Orlando, FL 32803A+5.0 ★Texas Ratio: 4.34%Real return: +1.20%APY minus CPI (February 2026) offering 12-month Certificate at 4.00% APY, Partners Federal Credit UnionPartners Federal Credit Union13705 International Dr S, Orlando, FL 32821 5411A5.0 ★Texas Ratio: 6.02%Real return: +1.05%APY minus CPI (February 2026) offering Traditional/Roth IRA Standard 12-Month at 3.85% APY, Insight Credit UnionInsight Credit Union129 E Gore St, Orlando, FL 32806 1222A+5.0 ★Texas Ratio: 5.55%Real return: +1.00%APY minus CPI (February 2026) offering 12 Month Certificates Millionaire Certificate at 3.80% APY, and Orlando Credit UnionOrlando Credit Union945 S Orange Ave, Orlando, FL 32806 1212A5.0 ★Texas Ratio: 7.65%Real return: +1.00%APY minus CPI (February 2026) offering 12-Month Term Share Certificates Starter Rate at 3.80% APY. CD rates as of June 3, 2026 according to verified data from MonitorBankRates.
Orlando has 160 local institutions in our database, with CD rates as high as 4.00% APY from Total Direct Bank at 390 N Orange Ave, Orlando, FL 32801. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Florida area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 3, 2026
Compare Best CD Rates in Orlando, Florida & the Surrounding Area
Orlando 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
390 N Orange Ave, Orlando, FL 32801
3-month online CD
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Available for current 3-Month CD clients only. Online-only high-yield rates.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 S Orange Ave, Orlando, FL 32801
3-Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Earn 3.55% APY on balances of $500 or more.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
3 Months CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
129 E Gore St, Orlando, FL 32806 1222
3 Month Millionaire Certificate
$1,000,000
2.55%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedMay 20, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
129 E Gore St, Orlando, FL 32806 1222
3 Month Regular Certificate
$1,000
2.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12800 Tanja King Blvd, Orlando, FL 32828 7701
3-Month CD
$0
1.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2405 S Orange Ave, Orlando, FL 32806
3 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
11411 Lake Underhill Rd, Orlando, FL 32825
IRA Certificates 3 Month
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Standard 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Mini-Jumbo Certificate 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Jumbo Certificate 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3900 Silver Star Rd, Orlando, FL 32808
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3900 Silver Star Rd, Orlando, FL 32808
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Share Certificates 3 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Share Certificates 3 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Guaranteed rate for 3 months
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Our best rate that gives you the highest return on your deposit, guaranteed.
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
90-Day IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
90-Day Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Business Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
Standard Certificates 3 Months
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
3 Months Standard Certificates
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
The minimum balance to open and earn APY is the lowest amount in each tier.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3 Months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
The minimum balance to open and earn APY is the lowest amount in each tier.
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3 Months Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Funding Limit*: $12M
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
The minimum balance to open and earn APY is the lowest amount in each tier.
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Compounding IRA Share Certificates 3 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Compounding Share Certificates 3 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Non-Compounding Share Certificates 3 months
$0
2.96%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate2.91%
Min Deposit$2,000
Min Balance—
UpdatedJun 3, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Term Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
The minimum balance to open and earn APY is the lowest amount in each tier.
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 and above
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Under $100,000
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Months Term Share Certificates
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3 Months Share Certificates
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Share Certificates 3 Months
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Funding Limit: $12M
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Orlando 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
390 N Orange Ave, Orlando, FL 32801
6-month online CD
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Online-only high-yield rates.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12800 Tanja King Blvd, Orlando, FL 32828 7701
6-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL 32806 1212
6-Month Jumbo Term Share Certificates
$100,000
3.51%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 S Orange Ave, Orlando, FL 32801
6-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Earn 3.50% APY on balances of $500 or more.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 S Orange Ave, Orlando, FL 32801
6-Month Fixed Rate CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Ocean Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
111 North Magnolia Avenue, Orlando, FL 32801
6-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Special promotion. See disclosures at bottom of page.
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Mini-Jumbo Certificate 6-Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Standard 6-Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL 32806 1212
6-Month Term Share Certificates
$1,000
3.46%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Jumbo Certificate 6-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
6 Months Certificate of Deposit
$100,000
2.20%
▼
Rate2.18%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Jumbo
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
6 Months Certificate of Deposit
$50,000
2.10%
▼
Rate2.08%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Mini-Jumbo
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
6 Months Certificate of Deposit
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Standard
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
11411 Lake Underhill Rd, Orlando, FL 32825
IRA Certificates 6 Month
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2405 S Orange Ave, Orlando, FL 32806
6 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3900 Silver Star Rd, Orlando, FL 32808
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3900 Silver Star Rd, Orlando, FL 32808
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates subject to change
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month IRA CD
$100,000
4.10%
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
6 Months Fixed Rate Certificates
$1,000
4.08%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 6 Months
$1,000
4.08%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.97%
Min Deposit$2,000
Min Balance—
UpdatedJun 3, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month IRA CD
$25,000
4.05%
▼
Rate3.98%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
HSA Certificate of Deposit (CD) 6 month
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month HSA Certificate of Deposit (CD)
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Rate3.88%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month HSA Certificate of Deposit (CD)
$25,000
3.95%
▼
Rate3.88%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
HSA Certificate of Deposit (CD) 6 month
$25,000
3.95%
▼
Rate3.88%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 month HSA Certificate of Deposit (CD)
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
HSA Certificate of Deposit (CD) 6 month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Golden Eagle Certificates 6-Month
$5,000
3.87%
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
UpdatedMay 30, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Jumbo Certificates 6-Month
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 30, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-Month Certificates and IRA Certificates
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 30, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
6 Months Share Certificates
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
As Low As; About 6 Month CD
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6 Month Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Tru Certificates of Deposit - 75,000 6 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,001
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
6 month term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Orlando 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
390 N Orange Ave, Orlando, FL 32801
12-month online CD
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Online-only high-yield rates.
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
12-month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Mini-Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Standard 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
129 E Gore St, Orlando, FL 32806 1222
12 Month Certificates Millionaire Certificate
$1,000,000
3.80%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedMay 20, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL 32806 1212
12-Month Term Share Certificates Starter Rate
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Starter Rate $500 min & max deposit*
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
2495 S Orange Ave, Orlando, FL 32806
12-month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Lock in your guaranteed rate today.
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL 32806 1212
12-Month Jumbo Term Share Certificates
$100,000
3.71%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
129 E Gore St, Orlando, FL 32806 1222
12 Month Certificates Regular Certificate
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL 32806 1212
12-Month Term Share Certificates
$1,000
3.67%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
12 Months CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold1) 12 Month Certificate of Deposit
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 S Orange Ave, Orlando, FL 32801
12-Month Fixed Rate CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
301 E Michigan St, Orlando, FL 32806 4539
12 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
301 E Michigan St, Orlando, FL 32806 4539
Traditional IRA & Roth IRA 12 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1000 Legion Pl, Orlando, FL 32801
Certificate of Deposit & IRA (Personal & Business)2 Promotional Rate: 1-Year
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 17, 2026
Details
Opening Balance Required for Personal or Business is $50,000
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
12 Months Certificate of Deposit
$100,000
2.70%
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Jumbo
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
12 Months Certificate of Deposit
$50,000
2.60%
▼
Rate2.57%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Mini-Jumbo
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
12 Months Certificate of Deposit
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Standard
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12800 Tanja King Blvd, Orlando, FL 32828 7701
12-Month CD
$0
1.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3900 Silver Star Rd, Orlando, FL 32808
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3900 Silver Star Rd, Orlando, FL 32808
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Additional terms are available at a branch
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
11411 Lake Underhill Rd, Orlando, FL 32825
IRA Certificates 12 Month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2405 S Orange Ave, Orlando, FL 32806
12 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1000 Legion Pl, Orlando, FL 32801
Certificate of Deposit & IRA (Personal & Business)2 1-Year
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Tru Certificates of Deposit Teen 12 Month Special
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
*Max Amount $2,500
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate4.02%
Min Deposit$2,000
Min Balance—
UpdatedJun 3, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Certificate
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
The minimum balance to open and earn APY is the lowest amount in each tier.
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Month HSA Fixed Rate Certificates
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
12 Months Fixed Rate Certificates
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 12 Months
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
12 Month IRA Share Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
12 Months Share Certificates
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
12 Month Share Certificates Rate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
12 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
12-Month Share Certificate Account
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
The minimum balance to open and earn APY is the lowest amount in each tier.
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
The minimum balance to open and earn APY is the lowest amount in each tier.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-Month Term Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
The minimum balance to open and earn APY is the lowest amount in each tier.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Orlando 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
18 Months CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
301 E Michigan St, Orlando, FL 32806 4539
18 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold1) 18 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL 32806 1212
18-Month Jumbo Term Share Certificates
$100,000
3.09%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
11411 Lake Underhill Rd, Orlando, FL 32825
IRA Certificates 18 Month
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2405 S Orange Ave, Orlando, FL 32806
18 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1000 Legion Pl, Orlando, FL 32801
Certificate of Deposit & IRA (Personal & Business)2 18-Month
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate4.16%
Min Deposit$2,000
Min Balance—
UpdatedJun 3, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
18 Months Share Certificates
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
18 Month Share Certificate Rate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.64%
Share Certificate 18 Month Market Watch
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
18 Month IRA Share Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.64%
18 Month Market Watch** Share Certificate
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
Featured rate.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 3, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 month IRA CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
Petite Share Certificates 18 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH IRA CERT
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH IRA CERT
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 0.94%
Preferred Investment Certificates 18 month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
see details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
18 Months Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
18 months Certificates of Deposit
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Certificates of Deposit 18 months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Certificates of Deposit - Special Offers 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
18 Month CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH IRA CERT
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
18 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Term Share Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Share CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month IRA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Tru Certificates of Deposit < 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$5,000
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Tru Certificates of Deposit > 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,001
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Tru Certificates of Deposit - 75,000 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,001
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Tru Certificates of Deposit - 50,000 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$25,001
Orlando 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
390 N Orange Ave, Orlando, FL 32801
24-month online CD
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Online-only high-yield rates.
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Jumbo College Saver 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Jumbo Certificate 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Mini-Jumbo College Saver 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Mini-Jumbo Certificate 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Standard College Saver 24-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $500
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Standard 24-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
129 E Gore St, Orlando, FL 32806 1222
24 Month Millionaire Certificate
$1,000,000
3.40%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedMay 20, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
301 E Michigan St, Orlando, FL 32806 4539
24 Month CD
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
301 E Michigan St, Orlando, FL 32806 4539
Traditional IRA & Roth IRA 24 Month CD
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
129 E Gore St, Orlando, FL 32806 1222
24 Month Regular Certificate
$1,000
3.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold1) 24 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 S Orange Ave, Orlando, FL 32801
24-Month Fixed Rate CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
24 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
24 Months Certificate of Deposit
$100,000
2.80%
▼
Rate2.76%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Jumbo
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
24 Months Certificate of Deposit
$50,000
2.70%
▼
Rate2.67%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Mini-Jumbo
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
24 Months Certificate of Deposit
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Standard
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
11411 Lake Underhill Rd, Orlando, FL 32825
IRA Certificates 24 Month
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12800 Tanja King Blvd, Orlando, FL 32828 7701
24-Month CD
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2405 S Orange Ave, Orlando, FL 32806
24 Month CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2405 S Orange Ave, Orlando, FL 32806
24 Month Certificate of Deposit
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Relationship APY
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1000 Legion Pl, Orlando, FL 32801
Certificate of Deposit & IRA (Personal & Business)2 2-Year
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH IRA CERT
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Rate4.07%
Min Deposit$2,000
Min Balance—
UpdatedJun 3, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH IRA CERT
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH IRA CERT
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
Petite Share Certificates 24 month
$40,000
3.95%
▼
Rate3.87%
Min Deposit$40,000
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 24 Months
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Month HSA Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
24 Months Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
IRA Share Certificates 24 month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
24 Month IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
24 Months Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD - 24 Month
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 3, 2026
Details
APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
24-Month Term Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
APY is effective as of 6/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
24 month IRA CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
Orlando 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
390 N Orange Ave, Orlando, FL 32801
36-month online CD
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Online-only high-yield rates.
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Jumbo College Saver 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Jumbo Certificate 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Mini-Jumbo College Saver 36-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Mini-Jumbo Certificate 36-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
129 E Gore St, Orlando, FL 32806 1222
36 Month Millionaire Certificate
$1,000,000
3.50%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedMay 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Standard College Saver 36-Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $500
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Standard 36-Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
129 E Gore St, Orlando, FL 32806 1222
36 Month Regular Certificate
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold1) 36 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 S Orange Ave, Orlando, FL 32801
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Earn 3.20% APY on balances of $500 or more.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 S Orange Ave, Orlando, FL 32801
36-Month Fixed Rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
36 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold1) 36 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
36 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12800 Tanja King Blvd, Orlando, FL 32828 7701
36-Month CD
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
301 E Michigan St, Orlando, FL 32806 4539
36 Month CD
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
301 E Michigan St, Orlando, FL 32806 4539
Traditional IRA & Roth IRA 36 Month CD
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
36 Months Certificate of Deposit
$100,000
2.90%
▼
Rate2.86%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Jumbo
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
36 Months Certificate of Deposit
$50,000
2.80%
▼
Rate2.76%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Mini-Jumbo
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
36 Months Certificate of Deposit
$500
2.70%
▼
Rate2.67%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Standard
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
11411 Lake Underhill Rd, Orlando, FL 32825
IRA Certificates 36 Month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2405 S Orange Ave, Orlando, FL 32806
3 Year Certificate
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1000 Legion Pl, Orlando, FL 32801
Certificate of Deposit & IRA (Personal & Business)2 3-Year
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate4.11%
Min Deposit$2,000
Min Balance—
UpdatedJun 3, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36 MONTH CERTIFICATE
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36 MONTH CERTIFICATE
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
36 Months Fixed Rate Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 36 Months
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
36 Months Share Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
36 Month IRA Share Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Orlando 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Jumbo College Saver 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Mini-Jumbo College Saver 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Mini-Jumbo Certificate 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Standard College Saver 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $500
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Standard 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
129 E Gore St, Orlando, FL 32806 1222
48 Month Certificates Millionaire Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold1) 48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
129 E Gore St, Orlando, FL 32806 1222
48 Month Certificates Regular Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12800 Tanja King Blvd, Orlando, FL 32828 7701
48-Month CD
$0
3.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 S Orange Ave, Orlando, FL 32801
48-Month CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 3, 2026
Details
Earn 3.05% APY on balances of $500 or more.
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
11411 Lake Underhill Rd, Orlando, FL 32825
IRA Certificates 48 Month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1000 Legion Pl, Orlando, FL 32801
Certificate of Deposit & IRA (Personal & Business)2 4-Year
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate4.21%
Min Deposit$2,000
Min Balance—
UpdatedJun 3, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Term Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
APY is effective as of 6/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
48 Month Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
48 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Term Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
APY is effective as of 6/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
48 Months Fixed Rate Certificates
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Business Fixed Rate Certificates 48 Months
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4 years Certificate
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 30, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH IRA CERT
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month Share CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48 Month Term Share Certificate
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
48 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
48 Months Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early withdrawal penalties may apply.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH IRA CERT
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH CERTIFICATE
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
APY is effective as of 6/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48 Month CD VIP BONUS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48 Month IRA/HSA CD VIP BONUS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH IRA CERT
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
48 Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Term Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
APY is effective as of 6/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Orlando 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
390 N Orange Ave, Orlando, FL 32801
60-month online CD
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Online-only high-yield rates.
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Jumbo College Saver 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Jumbo Certificate 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Mini-Jumbo College Saver 60-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Mini-Jumbo Certificate 60-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Standard College Saver 60-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $500
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
13705 International Dr S, Orlando, FL 32821 5411
Traditional/Roth IRA Standard 60-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
129 E Gore St, Orlando, FL 32806 1222
60 Month Millionaire Certificate
$1,000,000
3.40%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedMay 20, 2026
Details
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1823 N Alafaya Trl, Orlando, FL 32826
60 Month Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold1) 60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
129 E Gore St, Orlando, FL 32806 1222
60 Month Regular Certificate
$1,000
3.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
301 E Michigan St, Orlando, FL 32806 4539
60 Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
301 E Michigan St, Orlando, FL 32806 4539
Traditional IRA & Roth IRA 60 Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
60 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold1) 60 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12800 Tanja King Blvd, Orlando, FL 32828 7701
60-Month CD
$0
3.14%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
7007 Sea World Dr, Orlando, FL 32821 8097
60 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
60 Months Certificate of Deposit
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedMay 20, 2026
Details
Jumbo
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
60 Months Certificate of Deposit
$50,000
2.90%
▼
Rate2.86%
Min Deposit$50,000
Min Balance—
UpdatedMay 20, 2026
Details
Mini-Jumbo
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
60 Months Certificate of Deposit
$500
2.80%
▼
Rate2.76%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Standard
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
11411 Lake Underhill Rd, Orlando, FL 32825
IRA Certificates 60 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2838 Curry Ford Rd, Orlando, FL 32806
5 Years +
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2405 S Orange Ave, Orlando, FL 32806
5 Year
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1000 Legion Pl, Orlando, FL 32801
Certificate of Deposit & IRA (Personal & Business)2 5-Year
$0
0.45%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate4.26%
Min Deposit$2,000
Min Balance—
UpdatedJun 3, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
60 Month IRA CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
60 Month Share Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJun 1, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
60-Month Term Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month Term Share Certificate
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month Share CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Orlando, FL CD Rate Trends
Compare local Orlando, FL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — FL Avg
2.713%
▲ 0.002 vs 7 days ago
Florida 12-month CD rates rose 0.002 points over the past 7 days to 2.713% APY.
6-Month CD — FL Avg
2.745%
▲ 0.023 vs 7 days ago
Florida 6-month CD rates rose 0.023 points over the past 7 days to 2.745% APY.
As of Jun 3, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
FL CD Rate Forecast — Next 12 Months
Where are Florida CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
FL 12-Month Avg APY
2.713%
6-Month Forecast
2.713%
Range: 2.51% – 2.86%
12-Month Forecast
2.463%
Range: 2.26% – 2.61%
Powered by
MonitorBankRates
What Your Savings Earn at FL CD Rates Today
Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.
| CD Term | FL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.938% | $96.92 | $193.84 | $484.60 | $969.20 |
| 6-Month CD | 2.745% | $137.24 | $274.47 | $686.18 | $1,372.35 |
| 12-Month CD | 2.713% | $135.66 | $271.32 | $678.30 | $1,356.60 |
| 18-Month CD | 2.466% | $123.32 | $246.63 | $616.58 | $1,233.15 |
| 24-Month CD | 2.567% | $128.37 | $256.74 | $641.85 | $1,283.70 |
| 36-Month CD | 2.513% | $125.66 | $251.31 | $628.28 | $1,256.55 |
| 48-Month CD | 2.665% | $133.27 | $266.54 | $666.35 | $1,332.70 |
| 60-Month CD | 2.217% | $110.86 | $221.72 | $554.30 | $1,108.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 3, 2026. | |||||
Sample CD Ladder for Orlando, Florida Savers
$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | FL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.938% | $96.92 |
| 2 | 6-Month CD | $5,000 | 2.745% | $137.24 |
| 3 | 12-Month CD | $5,000 | 2.713% | $135.66 |
| 4 | 24-Month CD | $5,000 | 2.567% | $128.37 |
| 5 | 36-Month CD | $5,000 | 2.513% | $125.66 |
| Total ($25,000 invested) | $25,000 | 2.495% blended | $623.85/yr | |
Ladder example uses equal $5,000 rungs and Florida average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,020
CD Rates
Tracked in Orlando, Florida
Tracked in Orlando, Florida
32 Banks
69 Credit Unions
About Our Orlando, Florida CD Rate Database
MonitorBankRates tracks 1,020 CD rates from 32 banks and 69 credit unions with locations in Orlando, Florida, plus national online institutions available to Florida residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Total Direct Bank offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Orlando, Florida.
How to Find the Best CD Rates in Orlando, Florida
What to compare when shopping for a CD in Orlando, Florida
To find the best APYs in Orlando, Florida, start with credit unions and online-only banks — Orlando, Florida has 69 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 Orlando, 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 Orlando, Florida — 101 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Orlando, Florida savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Orlando, Florida money market rates
Orlando, Florida Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
11.3%
National avg: 17.3%
Median Individual Earnings
$42,355
National avg: $47,340
Poverty Rate
14.7%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$115/yr
At FL 12-mo avg 2.713% APY
11.3% of residents are 65 or older — below the national average of 17.3%. At today’s FL 12-month CD average of 2.713%, saving 10% of the local median salary ($4,235/year) and putting it in a CD would earn an additional $115 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 Orlando, Florida
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Orlando, 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 Orlando, 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 Orlando, Florida as everywhere in the U.S.
Choosing a CD Term in Orlando, 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 Orlando, Florida savers easier access to their funds. For example, Total Direct Bank is offering its 6-month online CD at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Total Direct Bank is offering its 60-month online CD at 3.76% 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 Orlando, 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 Orlando, 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 Orlando, 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 Orlando, 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 Orlando, Florida
Most CDs carry a fixed rate that is locked for the entire term, protecting a Orlando, 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 Orlando, Florida
Are CD rates in Orlando, Florida FDIC insured?
Yes, most established banks in Orlando, 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 Orlando, 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 Orlando, 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 Orlando, 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 Orlando, Florida?
Here are recent top rates found for this area:
- Total Direct Bank: 4.00% APY (12-month online CD)
- Adventhealth Credit Union: 4.00% APY (12-month Certificate)
- Partners Federal Credit Union: 3.85% APY (Traditional/Roth IRA Jumbo Certificate 12-Month)
- Orlando Credit Union: 3.80% APY (12-Month Term Share Certificates Starter Rate)
- Insight Credit Union: 3.80% APY (12 Month Certificates Millionaire Certificate)
- BankUnited: 3.75% APY (12-month CD)
- TrustCo Bank: 3.65% APY (12 Months CD)
- Fairwinds Credit Union: 3.65% APY (6-Month CD)
- Together Credit Union: 3.60% APY (Member Merits (Gold1) 12 Month Certificate of Deposit)
- ValleyDirect: 3.55% APY (3-Month CD)
Rates reflect recent verified offers available in Orlando, Florida. Last Updated: June 3, 2026
CD Calculators for Orlando, Florida
Orlando, Florida CD Calculator
At today’s FL top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Orlando, Florida CD LadderFL CD rates currently range from 1.938% (3-month) to 2.513% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Orlando, Florida CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsFlorida’s average 12-month CD is 2.713% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Orlando, 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 Orlando, 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 Orlando, Florida. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in FL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: June 3, 2026
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