Current Palm Beach, Florida CD rates include First Bank (NJ)First Bank (NJ)205 Worth Ave, Palm Beach, FL 33480A+5.0 ★Texas Ratio: 1.94% offering 12-month CD at 3.75% APY, CIBCCIBC340 Royal Palm Way, Palm Beach, FL 33480A+5.0 ★Texas Ratio: 2.97% offering Agility 12-month CD at 3.66% APY, ValleyDirectValleyDirect335 S County Rd, Palm Beach, FL 33480A+5.0 ★Texas Ratio: 3.76% offering 12-month CD promotion at 3.65% APY, United Community BankUnited Community Bank420 Royal Palm Way Ste 200, Palm Beach, FL 33480A+5.0 ★Texas Ratio: 3.01% offering 6-month CD at 3.65% APY, and TruistTruist125 Worth Ave, Palm Beach, FL 33480A+5.0 ★Texas Ratio: 3.63% offering 12-month CD at 3.25% APY. CD rates as of April 6, 2026 according to verified data from MonitorBankRates.
Palm Beach has 14 local institutions in our database, with CD rates as high as 3.75% APY from First Bank (NJ) at 205 Worth Ave, Palm Beach, FL 33480. 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: April 6, 2026
Available for current 3-Month CD clients only:
Funding Limit: $12M
Non-Relationship
$100,000 and above
Relationship APY
Eligible for IRA or SEP: No
Month 1 APY
New money only.
Early withdrawal penalties may apply.
$100,000 Minimum to Earn APY
Minimum to open & earn dividends: $100,000
$100,000 and above
Eligible for IRA or SEP: No
New money deposit only
Qualifying balance up to $1,000
Online-only high-yield rates.
$10,000 - $49,999.99
Early withdrawal penalties may apply.
Opening Balance Required for Personal or Business is $50,000
CDs => $100,000
Funding Limit: $12M
SPECIAL Share Certificate Rates
$100,000 and over
$100,000 Minimum to Earn APY
Relationship
$100,000 minimum to open. Offer expires April 20, 2026.
SPECIAL Share Certificate Rates
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Relationship APY
$100,000 and over
Minimum to open & earn dividends: $100,000
$100,000 Minimum to Earn APY
Early withdrawal penalties may apply.
Funding Limit: $1M
SPECIAL Share Certificate Rates
Relationship APY
Eligible for IRA or SEP: Yes
$100,000 Minimum to Earn APY
Minimum to open & earn dividends: $100,000
Funding Limit: $0.5M
Non-Relationship
SPECIAL Share Certificate Rates
Relationship APY
Eligible for IRA or SEP: Yes
Minimum to open & earn dividends: $100,000
Early withdrawal penalties may apply.
$100,000 Minimum to Earn APY
SPECIAL Share Certificate Rates
Eligible for IRA or SEP: Yes
$100,000 and over
Minimum $75,000
Relationship
Minimum to open & earn dividends: $100,000
Traditional or Roth plans available; Can be established under a Certificate of Deposit or Insured Money Management Account; Contributions are usually tax deductible; Earn 3.60% APY on balances $500.00+
$100,000 Minimum to Earn APY
SPECIAL Share Certificate Rates
Relationship APY
Eligible for IRA or SEP: Yes
Compare local Palm Beach, 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.
Florida 12-month CD rates rose 0.395 points over the past 7 days to 3.206% APY.
Florida 6-month CD rates rose 0.249 points over the past 7 days to 3.109% APY.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Palm Beach, 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 pulling data straight 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 Palm Beach, 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.