CD Rates Florida (FL) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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 Florida CD rates include Tru Fi-Credit UnionTru Fi-Credit Union602 S 6th St, Macclenny, FL 32063 2608A+5.0 ★Texas Ratio: 0.36%Real return: +1.53%APY minus CPI (February 2026) offering Tru Certificates of Deposit Teen 12 Month Special at 4.33% APY, U S POSTAL SERVICEU S POSTAL SERVICE7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607A+5.0 ★Texas Ratio: 2.27%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, Blue Coast Federal Credit UnionBlue Coast Federal Credit Union1825 S Jefferson St, Perry, FL 32348 5614A+5.0 ★Texas Ratio: 4.37%Real return: +1.40%APY minus CPI (February 2026) offering 12 Month CD at 4.20% APY, United Fidelity BankUnited Fidelity Bank135 Perry Ave Se, Fort Walton Beach, FL 32548A+5.0 ★Texas Ratio: 0.81%Real return: +1.40%APY minus CPI (February 2026) offering 6-Month CD Term at 4.20% APY, and Community First Credit Union Of FloridaCommunity First Credit Union Of Florida637 N Lee St, Jacksonville, FL 32204 1141A+5.0 ★Texas Ratio: 4.11%Real return: +1.38%APY minus CPI (February 2026) offering Super Jumbo Max 60 Month Term at 4.18% APY. CD rates as of April 22, 2026 according to verified data from MonitorBankRates.
We compared 1,067 CD rates from 110 banks and credit unions available in Florida to help you find the best bank CD rates and credit union CD rates across all terms.
Use the tables below to compare CD rates across all terms in Florida side-by-side. Florida CD rates currently reach as high as 4.33% APY from Tru Fi-Credit Union at 602 S 6th St, Macclenny, FL 32063 2608. 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 22, 2026
Compare Best CD Rates in Florida
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%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
3-month online CD
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
3 Month IRA Jumbo
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
301 E Las Olas Blvd, Fort Lauderdale, FL 33301
3-Month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Earn 3.55% APY on balances of $500 or more; $500 minimum opening balance.
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
3 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL 33884
3 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
980 North Federal Highway Suite 110 30, Boca Raton, FL 33432
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Our best rate that gives you the highest return on your deposit, guaranteed.
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL 32952
Business Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
Small Business Certificates of Deposit 3 Months
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
4205 Hollywood Blvd, Hollywood, FL 33021
Jumbo Certificates 3 Months
$0
3.29%
▼
Rate3.24%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
1126 N Ferdon Blvd, Crestview, FL 32536 1710
3 Months Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
92 days / 3 month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
910 Thomas Dr, Panama City, FL 32408 7442
3 months Compounding Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2675 SE 36th Ave, Ocala, FL 34471
90 Days Certificate of Deposit
$500
2.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
Jumbo Term Share Certificates 3 Months
$0
2.60%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 and above
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
3 month CD
$500
2.40%
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL 33122 1824
3 Months Share Certificates
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL 32514 5723
3 month Certificate Account
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
3-Month CD
$0
1.12%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL 33322 1611
3 Month Term Certificate
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
811 S Walnut St, Starke, FL 32091
Certificates of Deposit (CDs) 3 Months
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL 32502 5728
3 Months Certificate of Deposit
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to open & earn dividends: $100,000
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
3 month Share Certificates
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
3 months Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
301 E Michigan St, Orlando, FL 32806 4539
3 Month CD
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
3-Month Certificates and IRA Certificates
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Pensacola
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
500 S Palafox St, Pensacola, FL 32502
Certificate of Deposits 3 Months
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Harvesters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
480 S Highway 29, Cantonment, FL 32533 6406
Certificate of Deposit 3 Months
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 90 Day CD
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4881 Nw 8th Ave, Gainesville, FL 32605
CD 90 Days
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
Early withdrawal penalties may apply
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
1020 John Sims Pkwy E, Niceville, FL 32578
3 Month Certificate of Deposit
$1,000
0.03%
▼
Rate0.03%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
135 Perry Ave Se, Fort Walton Beach, FL 32548
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Fixed Rate Jumbo Certificates 6 Months
$50,000
4.13%
▼
Rate4.05%
Min Deposit$50,000
Min Balance—
UpdatedApr 22, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
6 Month CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Limited Time
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month IRA CD
$100,000
4.10%
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL 32514 5723
6 month Certificate Account
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
6-month online CD
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9647 Tradeport Dr, Orlando, FL 32827 5361
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
New money only.
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
6 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
6-Month Certificates and IRA Certificates
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL 33021 5421
6 month term
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 100,000 6 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$75,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL 33461 3753
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
6-Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
6-Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
6 MONTH CD
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
6-Month IRA Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1810 N Belcher Rd, Clearwater, FL 33765 1448
6 Months Certificate
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
700 Central Ave, Saint Petersburg, FL 33701
6-Month CD
$0
3.64%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to open: $1,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2950 Aventura Blvd, Aventura, FL 33180
New Money Certificate of Deposit 6 months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
340 Royal Palm Way, Palm Beach, FL 33480
6-month CD
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
6 Month SaveUP CD Super Jumbo Max
$1,000,000
3.56%
▼
Rate3.50%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL 33884
6 Months - 18 Months CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1044 Highway 90, Chipley, FL 32428
6-Month IRA Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Call for Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
111 Jim Moran Blvd, Deerfield Beach, FL 33442 1701
6 Months Certificate
$0
3.52%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
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—
UpdatedApr 22, 2026
Details
Ocean Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
780 Nw 42nd Ave, Miami, FL 33126
6-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Special promotion. See disclosures at bottom of page.
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
6 month CD & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15916 N Florida Ave, Lutz, FL 33549
6 Month Share Certificate Accounts
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
301 E Las Olas Blvd, Fort Lauderdale, FL 33301
6-Month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Earn 3.50% APY on balances of $500 or more.
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Mini-Jumbo Certificate 6-Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to open & earn dividends: $50,000
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
Small Business Certificates of Deposit 6 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
4205 Hollywood Blvd, Hollywood, FL 33021
Jumbo Certificates 6 Months
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3400 W Commercial Blvd, Fort lauderdale, FL 33309
6 Months Certificates and CD IRAs
$20,000
3.40%
▼
Rate3.35%
Min Deposit$20,000
Min Balance—
UpdatedApr 22, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
Money Market Add-On Certificate 6 Months (182 Days)
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2675 SE 36th Ave, Ocala, FL 34471
6 Months Certificate of Deposit
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL 33322 1611
6 Month Term Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
1126 N Ferdon Blvd, Crestview, FL 32536 1710
6 Months Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
182 days / 6 month Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
6-Month Term Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL 32952
Business Share Certificates 6 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2350 W COMMERCIAL BLVD, FORT LAUDERDALE, FL 33309
Star/IRA Certificates 6 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
JUMBO Regular & IRA Certificates 6 Months
$100,000
3.33%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
811 S Walnut St, Starke, FL 32091
Certificates of Deposit (CDs) 6 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL 33617
Jumbo Share Certificates 6-Month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit Teen 12 Month Special
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
*Max Amount $2,500
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1825 S Jefferson St, Perry, FL 32348 5614
12 Month CD
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum balance to open is $1,000 . Dividends compounded/paid monthly
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Fixed Rate Jumbo Certificates 12 Months
$50,000
4.08%
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 22, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Youth Advantage - 12 Month Term Super Jumbo Max
$1,000,000
4.08%
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 22, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
340 Royal Palm Way, Palm Beach, FL 33480
12-month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
12 Month IRA Share Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
323 E Kennedy Blvd, Eatonville, FL 32751
12-Month Share Certificate Account
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
12 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
12-month online CD
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
601 E Rollins St, Orlando, FL 32803
12-month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$10,000 - $49,999.99
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
12 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
12-Month Certificates and IRA Certificates
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to open & earn dividends: $100,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
9580 Hutchinson Park Dr, Jacksonville, FL 32225 7201
1-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
[Learn More](https://www.self-help.org/personal/accounts/certificates/term-certificates)
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL 33406 5195
Jumbo 12 Month Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Minimum $75,000
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 12 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedApr 22, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL 32806 1212
12-Month Term Share Certificates Starter Rate
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Starter Rate $500 min & max deposit*
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1810 N Belcher Rd, Clearwater, FL 33765 1448
12 Months Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
COMPASS FINANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
9960 NW 116th Way Ste 5, Medley, FL 33178 1174
Jumbo Certificates of Deposit - Limited Time Promotion 12 Month
$100,000
3.75%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
JUMBO Regular & IRA Certificates 1 Year
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL 33021 5421
12 month term
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
12 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
12-Mo. Jumbo Promo. Cert.
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 min.; Additional terms available.; Offer ends April 20, 2026.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
111 Jim Moran Blvd, Deerfield Beach, FL 33442 1701
12 Months Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
12 MONTH CD
$0
3.67%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2950 Aventura Blvd, Aventura, FL 33180
New Money Certificate of Deposit 12 months
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
9485 Regency Square Blvd, Jacksonville, FL 32225
12-month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Limited time offer; Minimum opening deposit $1,000.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
1 year Certificate
$0
3.61%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2675 SE 36th Ave, Ocala, FL 34471
12 Months (Includes IRA CD) Certificate of Deposit
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
12 month CD
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL 33884
12 Months CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1044 Highway 90, Chipley, FL 32428
12-Month IRA Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Call for Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
4205 Hollywood Blvd, Hollywood, FL 33021
Jumbo Certificates 12 Months
$0
3.54%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
Small Business Certificates of Deposit 12 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15916 N Florida Ave, Lutz, FL 33549
12 Month IRA Certificate Accounts
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
12-Month IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
700 Central Ave, Saint Petersburg, FL 33701
12-Month CD
$0
3.49%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
1126 N Ferdon Blvd, Crestview, FL 32536 1710
12 Months Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
365 days / 12 month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL 32751
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL 33322 1611
12 Month Term Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
12 month CD & IRA CD
$1,000
3.40%
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
301 E Michigan St, Orlando, FL 32806 4539
12 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL 32256
Promotional Rate: 1-Year
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 22, 2026
Details
Opening Balance Required for Personal or Business is $50,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
Share Certificate 18 Month Market Watch
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
18 Month IRA Share Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 and over
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
18 Month CD
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
18 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 18 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL 32751
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
340 Royal Palm Way, Palm Beach, FL 33480
18-month CD
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL 33884
18 Months CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
111 Jim Moran Blvd, Deerfield Beach, FL 33442 1701
18 Months Certificate
$0
3.52%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
548 days / 18 month Share Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
1126 N Ferdon Blvd, Crestview, FL 32536 1710
18 Months Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
Share Certificates 18 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
18-Mo. Jumbo Promo. Certificate
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Offer ends April 20, 2026.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL 32534
18 Month IRA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 100,000 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$75,000
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL 32246
Certificates of Deposit - Pulse Certificate 18 months
$100
3.40%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
301 E Michigan St, Orlando, FL 32806 4539
18 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
Small Business Certificates of Deposit 18 Months
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
18 month IRA CD
$100,000
3.35%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL 33617
Jumbo Share Certificates 18-Month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
18 month CD & IRA CD
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL 32952
Business Share Certificates 18 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15916 N Florida Ave, Lutz, FL 33549
18 Month Share Certificate Accounts
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
306 S Palm Ave, Palatka, FL 32177
18 Month Certificate and IRA Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL 33021 5421
18 month term
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
910 Thomas Dr, Panama City, FL 32408 7442
18 months Compounding Share Certificates
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
5757 Waterford District Dr, Miami, FL 33126 2035
18 Month Bump Up Share Certificate
$0
3.14%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
SPECIAL Share Certificate Rates
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
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—
UpdatedApr 22, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
18 month Share Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
18-Month Term Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
811 S Walnut St, Starke, FL 32091
Certificates of Deposit (CDs) 18 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL 32502 5718
18 Months Share Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
18 Months Term Share Certificates
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
103 S Tyndall Pkwy, Panama City, FL 32404 6722
18-Month IRA Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL 33122 1824
18 Months Share Certificates
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL 32514 5723
18 month Certificate Account
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
EMERALD COAST
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 WOODWARD AVE, PORT ST JOE, FL 32456 1744
Share & IRA Certificates 18 Months
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
18-Month Certificates and IRA Certificates
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1982 N State Road 7, Margate, FL 33063
18 Month Business CD
$100
1.50%
▼
Rate1.49%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
FAMU Florida A&M University FCU
Institution Rating:
A+5.0 ★
1610 S Monroe St, Tallahassee, FL 32301 5524
18 months IRA
$500
1.25%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Harvesters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
480 S Highway 29, Cantonment, FL 32533 6406
Certificate of Deposit 18 Months
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA CD: 18 Months
$0
0.26%
▼
Rate0.26%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5519 W Hillsborough Ave, Tampa, FL 33634
18 Month Term Share Certificates
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
1020 John Sims Pkwy E, Niceville, FL 32578
18 Month Certificate of Deposit
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 and over
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
Fixed Rate Jumbo Certificates 24 Months
$50,000
3.98%
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
UpdatedApr 22, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 24 month
$40,000
3.95%
▼
Rate3.87%
Min Deposit$40,000
Min Balance—
UpdatedApr 22, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
24 Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
24 Month IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
24 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
24 month IRA CD
$100,000
3.85%
▼
Rate3.78%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
24-Month Term Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
24-month online CD
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
323 E Kennedy Blvd, Eatonville, FL 32751
24-Month Share Certificate Account
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
$1,000-$9,999
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to open & earn dividends: $100,000
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
JUMBO Regular & IRA Certificates 2 Year
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2950 Aventura Blvd, Aventura, FL 33180
New Money Certificate of Deposit 24 months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
111 Jim Moran Blvd, Deerfield Beach, FL 33442 1701
24 Months Certificate
$0
3.52%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
340 Royal Palm Way, Palm Beach, FL 33480
24-month CD
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL 32534
24 Month IRA
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 100,000 24 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$75,000
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1810 N Belcher Rd, Clearwater, FL 33765 1448
24 Months Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
4205 Hollywood Blvd, Hollywood, FL 33021
Jumbo Certificates 24 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL 33322 1611
24 Month Term Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL 32751
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL 32246
Certificates of Deposit - Pulse Certificate 24 months
$100
3.44%
▼
Rate3.39%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
1126 N Ferdon Blvd, Crestview, FL 32536 1710
24 Months Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
2143 E Semoran Blvd, Apopka, FL 32703
24 Month Millionaire Certificate
$1,000,000
3.40%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedApr 22, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
730 days / 24 month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
Small Business Certificates of Deposit 24 Months
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
2 years Certificate
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2350 W COMMERCIAL BLVD, FORT LAUDERDALE, FL 33309
Star/IRA Certificates 24 Month
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
301 E Michigan St, Orlando, FL 32806 4539
24 Month CD
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
24 month CD & IRA CD
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1044 Highway 90, Chipley, FL 32428
24-Month IRA Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Call for Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15916 N Florida Ave, Lutz, FL 33549
24 Month IRA Certificate Accounts
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL 32301
2-Year Share Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL 33617
Jumbo Share Certificates 2-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3400 W Commercial Blvd, Fort lauderdale, FL 33309
24 Months Certificates and CD IRAs
$20,000
3.14%
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedApr 22, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
910 Thomas Dr, Panama City, FL 32408 7442
24 months Compounding Share Certificates
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
24 month Share IRA Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
811 S Walnut St, Starke, FL 32091
Certificates of Deposit (CDs) 24 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Traditional IRA / Roth IRA Share Certificates 2 years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 and above
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
604 13th Ave E, Bradenton, FL 34208
IRA Certificate (Traditional, Roth or Educational) 24 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
24-Month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL 32502 5718
24 months Share Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL 32952
Business Share Certificates 24 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term Super Jumbo Max
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 22, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL 33461 3753
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
36 MONTH CERTIFICATE
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
36 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
36 Months Fixed Rate Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
36 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
36 Month IRA Share Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
36-month online CD
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 36 month
$40,000
3.64%
▼
Rate3.58%
Min Deposit$40,000
Min Balance—
UpdatedApr 22, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL 32534
36 Month IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL 33322 1611
36 Month Term Jumbo Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL 32751
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
JUMBO Regular & IRA Certificates 3 Year
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
36 month IRA CD
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to open & earn dividends: $100,000
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
36-Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL 33040
36 Month IRA CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
323 E Kennedy Blvd, Eatonville, FL 32751
36-Month Share Certificate Account
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
111 Jim Moran Blvd, Deerfield Beach, FL 33442 1701
36 Months Certificate
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
1095 days / 36 month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 100,000 36 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$75,000
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
3 years Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
4205 Hollywood Blvd, Hollywood, FL 33021
Jumbo Certificates 36 Months
$0
3.39%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
9580 Hutchinson Park Dr, Jacksonville, FL 32225 7201
3-year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
[Learn More](https://www.self-help.org/personal/accounts/certificates/term-certificates)
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL 32301
3-Year Share Certificate
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1810 N Belcher Rd, Clearwater, FL 33765 1448
36 Months Certificate
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
301 E Las Olas Blvd, Fort Lauderdale, FL 33301
36-Month Certificate of Deposit
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Earn 3.20% APY on balances of $500 or more; $500 minimum opening balance.
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL 33617
Jumbo Share Certificates 3-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL 32952
36 Month BUMP Share Certificates
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3400 W Commercial Blvd, Fort lauderdale, FL 33309
36 Months Certificates and CD IRAs
$20,000
3.14%
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedApr 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Traditional IRA / Roth IRA Share Certificates 3 years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 and above
Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
811 S Walnut St, Starke, FL 32091
Certificates of Deposit (CDs) 36 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
301 E Michigan St, Orlando, FL 32806 4539
36 Month CD
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1044 Highway 90, Chipley, FL 32428
36-Month IRA Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Call for Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15916 N Florida Ave, Lutz, FL 33549
36 Month IRA Certificate Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2675 SE 36th Ave, Ocala, FL 34471
36 Months (Includes IRA CD) Certificate of Deposit
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
910 Thomas Dr, Panama City, FL 32408 7442
36 months Compounding Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
36-Month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL 32502 5718
36 months Share Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
604 13th Ave E, Bradenton, FL 34208
IRA Certificate (Traditional, Roth or Educational) 36 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
36-Month CD
$0
2.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
Jumbo Term Share Certificates 3 Years
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
601 E Rollins St, Orlando, FL 32803
36 Months Certificate of Deposit
$100,000
2.90%
▼
Rate2.86%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Jumbo
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
36 month CD & IRA CD
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
First Bank Clewiston, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
300 E Sugarland Hwy, Clewiston, FL 33440
36 Month Certificates of Deposit (CDs)
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
48 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL 33040
48 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
48 Months Fixed Rate Certificates
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL 32534
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to open & earn dividends: $100,000
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL 33322 1611
48 Month Term Jumbo Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
48 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL 32751
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 48 month
$40,000
3.50%
▼
Rate3.44%
Min Deposit$40,000
Min Balance—
UpdatedApr 22, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
1460 days / 48 month Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL 32301
4-Year Share Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 100,000 48 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$75,000
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL 32502 5718
48 months Share Certificate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL 33617
Jumbo Share Certificates 4-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
JUMBO Regular & IRA Certificates 4 Year
$100,000
3.19%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 and above
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
48 month IRA CD
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
301 E Las Olas Blvd, Fort Lauderdale, FL 33301
48-Month Certificate of Deposit
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Earn 3.05% APY on balances of $500 or more.
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2675 SE 36th Ave, Ocala, FL 34471
48 Months (Includes IRA CD) Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1810 N Belcher Rd, Clearwater, FL 33765 1448
48 Months Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
Jumbo Term Share Certificates 4 Years
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
48-Month CD
$0
2.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
4 years Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL 32514 5723
48 month Certificate Account
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
604 13th Ave E, Bradenton, FL 34208
IRA Certificate (Traditional, Roth or Educational) 48 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL 32502 5728
48 Months Certificate of Deposit
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
48 month CD & IRA CD
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15916 N Florida Ave, Lutz, FL 33549
48 Month Share Certificate Accounts
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
48-Month IRA Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
Small Business Certificates of Deposit 48 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL 33021 5421
48 month term
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Keys Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.39%
514 Southard St, Key West, FL 33040
Share Certificates & IRA Certificates 48 Months
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL 33777
4-Year Certificate of Deposit (CD)
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
306 S Palm Ave, Palatka, FL 32177
4 Year Certificate and IRA Certificates
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
48 Month CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
103 S Tyndall Pkwy, Panama City, FL 32404 6722
48-Month IRA Certificate
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FAMU Florida A&M University FCU
Institution Rating:
A+5.0 ★
1610 S Monroe St, Tallahassee, FL 32301 5524
48 months IRA
$500
1.75%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4881 Nw 8th Ave, Gainesville, FL 32605
CD 4 Years
$1,000
0.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3333 Henderson Blvd, Tampa, FL 33609 2955
Regular and IRA CD: 48 Months
$0
0.41%
▼
Rate0.41%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Super Jumbo Max 60 Month Term
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 and over
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL 33040
60 Month IRA CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
60 Month IRA Jumbo
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL 33406 5195
Jumbo 60 Month Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Minimum $75,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
60-month online CD
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to open & earn dividends: $100,000
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL 32534
60 Month IRA
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL 33322 1611
60 Month Term Jumbo Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
60 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
60 Months Fixed Rate Certificates
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
60-Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
4205 Hollywood Blvd, Hollywood, FL 33021
Jumbo Certificates 60 Months
$0
3.54%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL 32502 5718
60 months Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Keys Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.39%
514 Southard St, Key West, FL 33040
Share Certificates & IRA Certificates 60 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL 32751
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
JUMBO Regular & IRA Certificates 5 Year
$100,000
3.44%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
111 Jim Moran Blvd, Deerfield Beach, FL 33442 1701
60 Months Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2350 W COMMERCIAL BLVD, FORT LAUDERDALE, FL 33309
Star/IRA Certificates 60 Month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 60 month
$40,000
3.40%
▼
Rate3.34%
Min Deposit$40,000
Min Balance—
UpdatedApr 22, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL 32301
5-Year Share Certificate
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
60 MONTH CERTIFICATE
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1930 NE 47th St Ste 120, Ft Lauderdale, FL 33308
Share Certificate 60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
1825 days / 60 month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
323 E Kennedy Blvd, Eatonville, FL 32751
60-Month Share Certificate Account
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
301 E Michigan St, Orlando, FL 32806 4539
60 Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Traditional IRA / Roth IRA Share Certificates 5 years
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 and above
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL 33617
Jumbo Share Certificates 5-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
60 month IRA CD
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL 32952
Business Share Certificates 60 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 100,000 60 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
$75,000
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3400 W Commercial Blvd, Fort lauderdale, FL 33309
60 Months Certificates and CD IRAs
$20,000
3.14%
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
Jumbo Term Share Certificates 5 Years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2675 SE 36th Ave, Ocala, FL 34471
60 Months (Includes IRA CD) Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL 32703
60 Month Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1044 Highway 90, Chipley, FL 32428
60-Month IRA Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Call for Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
60-Month CD
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
700 Central Ave, Saint Petersburg, FL 33701
60-Month CD
$0
3.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15916 N Florida Ave, Lutz, FL 33549
60 Month IRA Certificate Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
601 E Rollins St, Orlando, FL 32803
60 Months Certificate of Deposit
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Jumbo
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1810 N Belcher Rd, Clearwater, FL 33765 1448
60 Months Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
5 years Certificate
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL 32514 5723
60 month Certificate Account
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
60 month CD & IRA CD
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Florida CD Rate Trends
Compare local Florida 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
2.286%
▼ 0.241 vs 7 days ago
Florida 12-month CD rates fell 0.241 points over the past 7 days to 2.286% APY.
6-Month CD — FL Avg
1.839%
▼ 0.511 vs 7 days ago
Florida 6-month CD rates fell 0.511 points over the past 7 days to 1.839% APY.
As of Apr 22, 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 April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
FL 12-Month Avg APY
2.286%
6-Month Forecast
2.286%
Range: 2.09% – 2.44%
12-Month Forecast
2.036%
Range: 1.84% – 2.19%
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 | 1.218% | $60.90 | $121.79 | $304.48 | $608.95 |
| 6-Month CD | 1.839% | $91.95 | $183.89 | $459.73 | $919.45 |
| 12-Month CD | 2.286% | $114.29 | $228.58 | $571.45 | $1,142.90 |
| 18-Month CD | 2.564% | $128.19 | $256.37 | $640.93 | $1,281.85 |
| 24-Month CD | 2.687% | $134.37 | $268.74 | $671.85 | $1,343.70 |
| 36-Month CD | 2.655% | $132.74 | $265.47 | $663.68 | $1,327.35 |
| 48-Month CD | 2.829% | $141.45 | $282.90 | $707.25 | $1,414.50 |
| 60-Month CD | 2.662% | $133.08 | $266.15 | $665.38 | $1,330.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 22, 2026. | |||||
Sample CD Ladder for 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 | 1.218% | $60.90 |
| 2 | 6-Month CD | $5,000 | 1.839% | $91.95 |
| 3 | 12-Month CD | $5,000 | 2.286% | $114.29 |
| 4 | 24-Month CD | $5,000 | 2.687% | $134.37 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.74 |
| Total ($25,000 invested) | $25,000 | 2.137% blended | $534.25/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.
1,067
CD Rates
Tracked in Florida
Tracked in Florida
30 Banks
72 Credit Unions
About Our Florida CD Rate Database
MonitorBankRates tracks 1,067 CD rates from 30 banks and 72 credit unions with locations in 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: Tru Fi-Credit Union offers a CD at 4.33% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Florida.
How to Find the Best CD Rates in Florida
What to compare when shopping for a CD in Florida
To find the best APYs in Florida, start with credit unions and online-only banks — Florida has 72 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 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 Florida — 102 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Florida savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Florida money market rates
Florida Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
21.3%
National avg: 17.3%
Median Individual Earnings
$41,891
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$96/yr
At FL 12-mo avg 2.286% APY
21.3% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s FL 12-month CD average of 2.286%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $96 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 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 |
Frequently Asked Questions about CD Rates in Florida
Are CD rates in Florida FDIC insured?
Yes, most established banks in 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 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 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 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 Florida?
Here are recent top rates found for this area:
- Tru Fi-Credit Union: 4.33% APY (Tru Certificates of Deposit Teen 12 Month Special)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- Blue Coast Federal Credit Union: 4.20% APY (12 Month CD)
- United Fidelity Bank: 4.20% APY (6-Month CD Term)
- Community First Credit Union Of Florida: 4.18% APY (Super Jumbo Max 60 Month Term)
- 1st Street Credit Union: 4.16% APY (24 MONTH CERTIFICATE)
- MIAMI FIREFIGHTERS: 4.15% APY (18 Month IRA Share Certificate)
- Tampa Bay Federal Credit Union: 4.15% APY (Share Certificate 18 Month Market Watch)
- Radiant Credit Union: 4.13% APY (Fixed Rate Jumbo Certificates 6 Months)
- Newtek Bank: 4.10% APY (6 Month CD)
Rates reflect recent verified offers available in Florida. Last Updated: April 22, 2026
CD Calculators for Florida
Florida CD Calculator
At today’s FL top rate of 4.33% APY, a $10,000 deposit earns $433 in the first year. Enter your amount to see your exact return.
Florida CD LadderFL CD rates currently range from 1.218% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Florida CD at 4.33% 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 2.286% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for 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 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: April 22, 2026
Cities in Florida
Rate Assistant
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