What are the best CD rates in Saint Augustine, Florida?

Here are recent top rates found for this area: Community First Credit Union Of Florida : 3.56% APY (6 Month SaveUP CD - Super Jumbo Max) ValleyDirect : 3.55% APY (3-Month Certificate of Deposit) Truist : 3.25% APY (12 Month Certificate of Deposit (CDs)) Wells Fargo : 1.51% APY (1 year Standard Interest Rate) TD Bank : 1.00% APY (12 Month CD) Platinum Federal Credit Union : 5.00% APY (12 Month Family Legacy Certificate Account) Raymond James Bank : 4.95% APY (Certificates of Deposit (CDs) - 60 Months) Third Federal Savings and Loan : 4.75% APY (6 Month Bonus CD) Suncoast Credit Union : 4.50% APY (18 Month Jumbo Certificate) Launch Credit Union : 4.50% APY (18 Month Business Share Certificate)

A CD ladder involves opening multiple CDs with staggered maturity dates, for example, 3-month, 6-month, 1-year, and 2-year CDs. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

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iAdvertiser Disclosure CD Rate Trends

Saint Augustine, Florida Best CD Rates September 2026

Q: Can I withdraw my money early from a CD?

You can, but most institutions charge an early withdrawal penalty, often a number of months of interest (e.g., 3 or 6 months). Specifics vary by institution.

Q: What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs typically require a higher minimum deposit (often $100,000 or more) and may offer slightly higher APYs than standard CDs available in Saint Augustine, Florida.

Q: Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the entire term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start lower.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: September 22, 2026

Current Saint Augustine, Florida CD rates include Community First Credit Union Of FloridaCommunity First Credit Union Of Florida3581 N Ponce De Leon Blvd, Saint Augustine, FL 32084 1202A+5.0 ★Texas Ratio: 3.16%Real return: +0.76%APY minus CPI (February 2026) offering 6 Month SaveUP CD - Super Jumbo Max at 3.56% APY, ValleyDirectValleyDirect1850 Old Moultrie Rd, Saint Augustine, FL 32084A+5.0 ★Texas Ratio: 5.76%Real return: +0.75%APY minus CPI (February 2026) offering 3-Month Certificate of Deposit at 3.55% APY, TruistTruist1850 Us Highway 1 S, Saint Augustine, FL 32084A+5.0 ★Texas Ratio: 3.81%Real return: +0.45%APY minus CPI (February 2026) offering 12 Month Certificate of Deposit (CDs) at 3.25% APY, Wells FargoWells Fargo1919 Us Highway 1 S, Saint Augustine, FL 32086A5.0 ★Texas Ratio: 6.32%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Interest Rate at 1.51% APY, and TD BankTD Bank2501 Us Highway 1 S, Saint Augustine, FL 32086A+5.0 ★Texas Ratio: 4.06%Real return: -1.80%APY minus CPI (February 2026) offering 12 Month CD at 1.00% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.

Saint Augustine has 36 local institutions in our database, with CD rates as high as 3.56% APY from Community First Credit Union Of Florida at 3581 N Ponce De Leon Blvd, Saint Augustine, FL 32084 1202. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Florida area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026

Compare Best CD Rates in Saint Augustine, Florida & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Saint Augustine 3 Month CD Rates

National 3 Month CD Average2.06% APY▲ 0.02% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

ValleyDirect

Institution Rating:

A+5.0 ★Texas Ratio: 5.76%

1850 Old Moultrie Rd, Saint Augustine, FL 32084

3-Month Certificate of Deposit

$500

3.55% ▲ 1.49% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.49% above avg

Details

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

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

3 Month CD

$250

1.00% ▼ 1.06% below national avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 1.06% below avg

Details

Relationship APY

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

3 Month Certificate

1.00% ▼ 1.06% below national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 1.06% below avg

Details

Balance: $250.00 - $9,999.99

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

1919 Us Highway 1 S, Saint Augustine, FL 32086

3 month Standard Interest Rate

$2,500

0.06% ▼ 2.00% below national avg

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 2.00% below avg

Details

Early withdrawal penalties may apply.

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

1919 Us Highway 1 S, Saint Augustine, FL 32086

3 month Standard Fixed Rate CD

$2,500

0.05% ▼ 2.01% below national avg

View

▼

Rate0.05%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▼ 2.01% below avg

Details

Relationship APY 0.06%. Early withdrawal penalties may apply.

Total Direct Bank

Institution Rating:

A5.0 ★Texas Ratio: 7.12%

3-month online CD

$25,000

4.00% ▲ 1.94% above national avg

View

▼

Rate3.92%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.94% above avg

Details

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

Sun Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.76%

3 Month Jumbo Certificates

4.00% ▲ 1.94% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.94% above avg

Details

SPECIAL OFFER THRU 9/30/26

Sun Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.76%

3 Month Standard Certificates

4.00% ▲ 1.94% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.94% above avg

Details

SPECIAL OFFER THRU 9/30/26

Space Coast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.16%

3 Month IRA CD

3.75% ▲ 1.69% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.69% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

3 Month IRA Jumbo

3.71% ▲ 1.65% above national avg

View

▼

Rate3.65%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.65% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

3 Month Certificate

$1,000

3.66% ▲ 1.60% above national avg

View

▼

Rate3.60%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.60% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

3 Month IRA

3.66% ▲ 1.60% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.60% above avg

Details

EverBank

Institution Rating:

A5.0 ★Texas Ratio: 12.49%

3 Month Performance CDs

3.60% ▲ 1.54% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.54% above avg

Details

Newtek Bank

Institution Rating:

F1.0 ★Texas Ratio: 73.57%

3 Month CD

$2,500

3.50% ▲ 1.44% above national avg

View

▼

Rate—

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.44% above avg

Details

Baptist Health South Florida Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.69%

3 Month Promotional Share Certificate

3.50% ▲ 1.44% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.44% above avg

Details

Launch Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.92%

3 Month Business Share Certificate

3.45% ▲ 1.39% above national avg

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.39% above avg

Details

Existing certificates only - no new accounts offered

Launch Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.92%

3 Month Share Certificates

$1,000

3.45% ▲ 1.39% above national avg

View

▼

Rate3.40%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.39% above avg

Details

Existing certificates only - no new accounts offered

TrustCo Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.14%

3 Months CD

3.40% ▲ 1.34% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.34% above avg

Details

Dort Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

3 Month Term Share Certificates

$1,000

3.40% ▲ 1.34% above national avg

View

▼

Rate3.40%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.34% above avg

Details

Dort Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

Jumbo Term Share Certificates - 3 Months

3.40% ▲ 1.34% above national avg

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.34% above avg

Details

Axiom Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.36%

3 Month Small Business Certificates of Deposit

3.35% ▲ 1.29% above national avg

View

▼

Rate3.29%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.06%▲ 1.29% above avg

Details

SUMA Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

3-Month Share Certificate

$1,000

3.35% ▲ 1.29% above national avg

View

▼

Rate3.30%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.29% above avg

Details

Penalty for early withdrawal: 3 Months Dividends

LMCU Lake Michigan Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.85%

3 Month IRA/HSA CD

$500

3.30% ▲ 1.24% above national avg

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.24% above avg

Details

VIP Bonus APY: 3.55%

RadiFi Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.50%

3-Month Term Certificate

3.25% ▲ 1.19% above national avg

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.19% above avg

Details

Balance: $1,000,000 OR HIGHER

First Florida Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.34%

3 Month Certificate

$1,000

3.25% ▲ 1.19% above national avg

View

▼

Rate3.20%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

First Florida Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.34%

3 Month IRA Certificate

$1,000

3.25% ▲ 1.19% above national avg

View

▼

Rate3.20%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

Tropical Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

3 Month Certificate

$500

3.25% ▲ 1.19% above national avg

View

▼

Rate3.21%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

Tropical Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

3 Month IRA Certificate

$500

3.25% ▲ 1.19% above national avg

View

▼

Rate3.21%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

IRA Certificate

Tropical Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

3 Month Regular Certificate of Deposit

$500

3.25% ▲ 1.19% above national avg

View

▼

Rate3.21%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

Tropical Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

IRA Certificates - 3 Months

$500

3.25% ▲ 1.19% above national avg

View

▼

Rate3.21%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

Dort Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

3 Month AMP Term Share Certificates

3.25% ▲ 1.19% above national avg

View

▼

Rate3.21%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

Balance: $100

Panhandle Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.77%

90-Day IRA Certificate

$50

3.25% ▲ 1.19% above national avg

View

▼

Rate3.20%

Min Deposit$50

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

Panhandle Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.77%

90-Day Share Certificate

$1,000

3.25% ▲ 1.19% above national avg

View

▼

Rate3.20%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.19% above avg

Details

Baptist Health South Florida Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.69%

3 Month Certificate

3.20% ▲ 1.14% above national avg

View

▼

Rate3.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.14% above avg

Details

Balance: $50,000 or more

RadiFi Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.50%

3-Month Term Certificate

3.15% ▲ 1.09% above national avg

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 1.09% above avg

Details

Balance: $750,000-$999,999.99

LMCU Lake Michigan Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.85%

3 Month CD

$500

3.15% ▲ 1.09% above national avg

View

▼

Rate3.11%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 1.09% above avg

Details

VIP Bonus APY: 3.40%

Okaloosa County Teachers Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.94%

3 Month Certificate

3.14% ▲ 1.08% above national avg

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.08% above avg

Details

Baptist Health South Florida Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.69%

3 Month Certificate

3.10% ▲ 1.04% above national avg

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 1.04% above avg

Details

Balance: $25,000 - $49,999

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

Certificates of Deposit (CDs) - 90 Days

$2,000

3.05% ▲ 0.99% above national avg

View

▼

Rate3.00%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.99% above avg

Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

EverBank

Institution Rating:

A5.0 ★Texas Ratio: 12.49%

3 Month CDARS CDs

3.05% ▲ 0.99% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.99% above avg

Details

Funding Limit*: $12M

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 3 Month

3.05% ▲ 0.99% above national avg

View

▼

Rate3.02%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.99% above avg

Details

Jax Fire Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.43%

3 Month Certificate

$500

3.04% ▲ 0.98% above national avg

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 0.98% above avg

Details

RadiFi Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.50%

3-Month Term Certificate

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.94% above avg

Details

Balance: $50,000-$99,999.99

Wilmington Savings Fund Society (WSFS)

Institution Rating:

A+5.0 ★Texas Ratio: 3.38%

3 Month Certificate

$2,500

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.94% above avg

Details

Amerant Bank

Institution Rating:

B+4.7 ★Texas Ratio: 18.92%

3 Month Certificates of Deposit

3.00% ▲ 0.94% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.06%▲ 0.94% above avg

Details

Baptist Health South Florida Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.69%

3 Month Certificate

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.94% above avg

Details

Balance: $500 - $24,999

Partners Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.23%

3 Month Emergency Fund Certificate

$100

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$100

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.94% above avg

Details

Maximum Certificate balance: $10,000

Partners Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.23%

3-Month Emergency Fund Certificate

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.06%▲ 0.94% above avg

Details

Innovations Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.94%

3 Month Compounding IRA Share Certificate

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 0.94% above avg

Details

Innovations Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.94%

3 Month Compounding Share Certificates

3.00% ▲ 0.94% above national avg

View

▼

Rate2.96%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.06%▲ 0.94% above avg

Details

Saint Augustine 6 Month CD Rates

National 6 Month CD Average2.77% APY▲ 0.02% from last week

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: 3.16%

3581 N Ponce De Leon Blvd, Saint Augustine, FL 32084 1202

6 Month SaveUP CD - Super Jumbo Max

$1,000,000

3.56% ▲ 0.79% above national avg

View

▼

Rate3.50%

Min Deposit$1,000,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.79% above avg

Details

ValleyDirect

Institution Rating:

A+5.0 ★Texas Ratio: 5.76%

1850 Old Moultrie Rd, Saint Augustine, FL 32084

6-Month Certificate of Deposit

$500

3.50% ▲ 0.73% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.73% above avg

Details

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

ValleyDirect

Institution Rating:

A+5.0 ★Texas Ratio: 5.76%

1850 Old Moultrie Rd, Saint Augustine, FL 32084

6-Month Fixed Rate CD

3.50% ▲ 0.73% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.73% above avg

Details

Community First Credit Union Of Florida

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

3581 N Ponce De Leon Blvd, Saint Augustine, FL 32084 1202

6 Month SaveUP CD - Super Jumbo Plus

$750,000

3.30% ▲ 0.53% above national avg

View

▼

Rate3.25%

Min Deposit$750,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.53% above avg

Details

Community First Credit Union Of Florida

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

3581 N Ponce De Leon Blvd, Saint Augustine, FL 32084 1202

6 Month SaveUP CD - Super Jumbo

$500,000

3.04% ▲ 0.27% above national avg

View

▼

Rate3.00%

Min Deposit$500,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.27% above avg

Details

Community First Credit Union Of Florida

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

3581 N Ponce De Leon Blvd, Saint Augustine, FL 32084 1202

6 Month SaveUP CD - Jumbo Plus

$250,000

2.78% ▲ 0.01% above national avg

View

▼

Rate2.75%

Min Deposit$250,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.01% above avg

Details

Community First Credit Union Of Florida

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

3581 N Ponce De Leon Blvd, Saint Augustine, FL 32084 1202

6 Month SaveUP CD - Jumbo

$100,000

2.73% ▼ 0.04% below national avg

View

▼

Rate2.70%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▼ 0.04% below avg

Details

Community First Credit Union Of Florida

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

3581 N Ponce De Leon Blvd, Saint Augustine, FL 32084 1202

6 Month SaveUP CD - Jr. Jumbo

$45,000

2.68% ▼ 0.09% below national avg

View

▼

Rate2.65%

Min Deposit$45,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▼ 0.09% below avg

Details

Community First Credit Union Of Florida

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

3581 N Ponce De Leon Blvd, Saint Augustine, FL 32084 1202

6 Month SaveUP CD - Standard

$250

2.58% ▼ 0.19% below national avg

View

▼

Rate2.55%

Min Deposit$250

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▼ 0.19% below avg

Details

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

6 Month CD

$250

1.00% ▼ 1.77% below national avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 1.77% below avg

Details

Relationship APY

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

6 Month Certificate

1.00% ▼ 1.77% below national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 1.77% below avg

Details

Balance: $250.00 - $9,999.99

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

1919 Us Highway 1 S, Saint Augustine, FL 32086

6 month Standard Interest Rate

$2,500

0.06% ▼ 2.71% below national avg

View

▼

Rate0.06%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 2.71% below avg

Details

Early withdrawal penalties may apply.

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

1919 Us Highway 1 S, Saint Augustine, FL 32086

6 month Standard Fixed Rate

$2,500

0.05% ▼ 2.72% below national avg

View

▼

Rate0.05%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▼ 2.72% below avg

Details

Relationship APY 0.06%. Early withdrawal penalties may apply.

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

6 Month Bonus CD

4.75% ▲ 1.98% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.98% above avg

Details

Minimum to Obtain: $500

Amerant Bank

Institution Rating:

B+4.7 ★Texas Ratio: 18.92%

6-month CD

$10,000

4.25% ▲ 1.48% above national avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.48% above avg

Details

Promotional CD offer valid for FL residents. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account - $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time.

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

Certificates of Deposit (CDs) - 6 Months

$2,000

4.20% ▲ 1.43% above national avg

View

▼

Rate4.11%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.43% above avg

Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Blue Coast Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

6 Month - Commercial^ Certificate

4.15% ▲ 1.38% above national avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.38% above avg

Details

Term: 6 Month - Commercial^; To receive these rates and terms the certificate must be opened under a commercial/business account with BCFCU. BCFCU reserves the right to end promotion at any time.

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

6 Month Fixed Rate Jumbo Certificates

$50,000

4.13% ▲ 1.36% above national avg

View

▼

Rate4.05%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.36% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

6 Month IRA Jumbo

4.12% ▲ 1.35% above national avg

View

▼

Rate4.05%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.35% above avg

Details

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

6 month IRA CD

4.10% ▲ 1.33% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.33% above avg

Details

Balance: $100,000 and over

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

6 Month Business Fixed Rate Certificates

$1,000

4.08% ▲ 1.31% above national avg

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.31% above avg

Details

Compound Period: Daily

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

6 Month Fixed Rate Certificates

$1,000

4.08% ▲ 1.31% above national avg

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.31% above avg

Details

Compound Period: Daily

Climate First Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.15%

6-Month Penalty-Free CD

$500

4.07% ▲ 1.30% above national avg

View

▼

Rate3.99%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.30% above avg

Details

No additional deposits allowed. No penalty for early withdrawals. The account matures in 6 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

6 Month Certificate

$1,000

4.07% ▲ 1.30% above national avg

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.30% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

6 Month IRA

4.07% ▲ 1.30% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.30% above avg

Details

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

6 month IRA CD

4.05% ▲ 1.28% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.28% above avg

Details

Balance: $25,000 - $99,999.99

Coast 2 Coast Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.07%

6 Month Jumbo Certificate

$100,000

4.01% ▲ 1.24% above national avg

View

▼

Rate3.95%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.24% above avg

Details

Total Direct Bank

Institution Rating:

A5.0 ★Texas Ratio: 7.12%

6-month online CD

$25,000

4.00% ▲ 1.23% above national avg

View

▼

Rate3.92%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.23% above avg

Details

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

Newtek Bank

Institution Rating:

F1.0 ★Texas Ratio: 73.57%

6 Month CD

$2,500

4.00% ▲ 1.23% above national avg

View

▼

Rate—

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.23% above avg

Details

City National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.66%

Special 6-Month Fixed Rate

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.23% above avg

Details

Term: Special 6-Month Fixed Rate2

SUMA Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

6-Month Share Certificate

$1,000

4.00% ▲ 1.23% above national avg

View

▼

Rate3.92%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

Penalty for early withdrawal: 3 Months Dividends

Jetstream Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.71%

6 Month Certificate

$50,000

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

Jetstream Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.71%

6-Month Certificate

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

Jetstream Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.71%

Golden Eagle Certificates - 6-Month

$5,000

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

6 month CD

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

Call 800.593.2274 or visit a branch to open your CD and start saving today.

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

6 Month HSA CD

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

Balance: $100,000 and over

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

6 month IRA CD

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

Balance: $500 - $24,999.99

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

Business 6 month CD

4.00% ▲ 1.23% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.23% above avg

Details

Balance: $100,000 and over

Blue Coast Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

6 Month Share Certificate

3.95% ▲ 1.18% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.18% above avg

Details

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

6 month CD

3.95% ▲ 1.18% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.18% above avg

Details

Call 800.593.2274 or visit a branch to open your CD and start saving today.

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

6 Month HSA CD

3.95% ▲ 1.18% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.18% above avg

Details

Balance: $25,000 - $99,999.99

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

Business 6 month CD

3.95% ▲ 1.18% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.18% above avg

Details

Balance: $25,000 - $99,999.99

Suncoast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.87%

6 Month Jumbo Certificate

3.95% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.18% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

6 Month Certificates of Deposit

$1,000

3.90% ▲ 1.13% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.13% above avg

Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

CD - Certificates of Deposit - 6 Month

3.90% ▲ 1.13% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.13% above avg

Details

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

6 month CD

3.90% ▲ 1.13% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.13% above avg

Details

Call 800.593.2274 or visit a branch to open your CD and start saving today.

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

6 Month HSA CD

3.90% ▲ 1.13% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.13% above avg

Details

Balance: $500 - $24,999.99

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

Business 6 month CD

3.90% ▲ 1.13% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.13% above avg

Details

Balance: $500 - $24,999.99

Space Coast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.16%

6 Month IRA CD

3.85% ▲ 1.08% above national avg

View

▼

Rate3.81%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.08% above avg

Details

MIAMI FIREFIGHTERS

Institution Rating:

A+5.0 ★Texas Ratio: 0.75%

6 Month IRA Share Certificate

3.85% ▲ 1.08% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.08% above avg

Details

Saint Augustine 12 Month CD Rates

National 12 Month CD Average2.95% APY▲ 0.03% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

ValleyDirect

Institution Rating:

A+5.0 ★Texas Ratio: 5.76%

1850 Old Moultrie Rd, Saint Augustine, FL 32084

12-Month Fixed Rate CD

3.50% ▲ 0.55% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.55% above avg

Details

Truist

Institution Rating:

A+5.0 ★Texas Ratio: 3.81%

1850 Us Highway 1 S, Saint Augustine, FL 32084

12 Month Certificate of Deposit (CDs)

3.25% ▲ 0.30% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 0.30% above avg

Details

Special rate on select new CD accounts.

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

1919 Us Highway 1 S, Saint Augustine, FL 32086

1 year Standard Interest Rate

$2,500

1.51% ▼ 1.44% below national avg

View

▼

Rate1.50%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▼ 1.44% below avg

Details

Early withdrawal penalties may apply.

Wells Fargo

Institution Rating:

A5.0 ★Texas Ratio: 6.32%

1919 Us Highway 1 S, Saint Augustine, FL 32086

1 year Standard Fixed Rate

$2,500

1.50% ▼ 1.45% below national avg

View

▼

Rate1.49%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▼ 1.45% below avg

Details

Relationship APY 1.51%. Early withdrawal penalties may apply.

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

12 Month CD

$250

1.00% ▼ 1.95% below national avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▼ 1.95% below avg

Details

Relationship APY

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

12 Month Certificate

1.00% ▼ 1.95% below national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▼ 1.95% below avg

Details

Balance: $250.00 - $9,999.99

Platinum Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.90%

12 Month Family Legacy Certificate Account

5.00% ▲ 2.05% above national avg

View

▼

Rate4.91%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 2.05% above avg

Details

The Family Legacy Certificate Account must be opened within two years of the date of death. Eligibility is subject to verification.

Tropical Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

12 Month IRA Certificate

$500

4.40% ▲ 1.45% above national avg

View

▼

Rate4.33%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.45% above avg

Details

IRA Certificate

Tropical Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

12 Month Regular Certificate of Deposit

$500

4.40% ▲ 1.45% above national avg

View

▼

Rate4.33%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.45% above avg

Details

Tropical Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

12 Months Certificate

$500

4.40% ▲ 1.45% above national avg

View

▼

Rate4.33%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.45% above avg

Details

Tropical Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

IRA Certificates - 12 Months

$500

4.40% ▲ 1.45% above national avg

View

▼

Rate4.33%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.45% above avg

Details

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

12 Month Online CD

$500

4.35% ▲ 1.40% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.40% above avg

Details

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

Certificates of Deposit (CDs) - 12 Months

$2,000

4.35% ▲ 1.40% above national avg

View

▼

Rate4.26%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.40% above avg

Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Tru Fi-Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.49%

Traditional Teen 12 month CD Special

4.33% ▲ 1.38% above national avg

View

▼

Rate4.25%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.38% above avg

Details

Special; Tru Traditional/Roth IRA Accounts

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

1 Year Rising Rate CD

4.25% ▲ 1.30% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.30% above avg

Details

Minimum to Obtain: $500

Space Coast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.16%

12 Month IRA CD

4.25% ▲ 1.30% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.30% above avg

Details

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.56%

1 Year Starter Add-On Certificate

4.25% ▲ 1.30% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.30% above avg

Details

Gulf Coast Business Bank

Institution Rating:

A+5.0 ★Texas Ratio: 0.00%

12 Month CD

4.24% ▲ 1.29% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.95%▲ 1.29% above avg

Details

About 12 Month CD

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

12 Month IRA Jumbo

4.23% ▲ 1.28% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.28% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

12 Month Certificate

$1,000

4.18% ▲ 1.23% above national avg

View

▼

Rate4.10%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.23% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

12 Month IRA

4.18% ▲ 1.23% above national avg

View

▼

Rate4.10%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.23% above avg

Details

CIBC

Institution Rating:

A+5.0 ★Texas Ratio: 5.05%

12-month CD

$1,000

4.15% ▲ 1.20% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.20% above avg

Details

Climate First Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.15%

12-Month Penalty-Free CD

$500

4.15% ▲ 1.20% above national avg

View

▼

Rate4.07%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.95%▲ 1.20% above avg

Details

No additional deposits allowed. No penalty for early withdrawals. The account matures in 12 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings. This promotional rate offer may be modified, suspended, or terminated by Climate First Bank, in whole or in part, at any time and for any reason without prior notice.

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

12 Month Business Adjustable Rate Certificates

$1,000

4.14% ▲ 1.19% above national avg

View

▼

Rate4.06%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.19% above avg

Details

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

12 Month Certificate

$1,000

4.14% ▲ 1.19% above national avg

View

▼

Rate4.06%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.19% above avg

Details

City National Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.66%

Special 12-Month Fixed Rate

4.11% ▲ 1.16% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.16% above avg

Details

Term: Special 12-Month Fixed Rate1

SUMA Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

1-Year Share Certificate

$1,000

4.10% ▲ 1.15% above national avg

View

▼

Rate4.02%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.15% above avg

Details

Penalty for early withdrawal: 3 Months Dividends

Dade County Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.30%

12-Month Share Certificate

$500

4.10% ▲ 1.15% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.15% above avg

Details

effective 8/24/2026; minimum opening balance of $500. All terms are subject to early withdrawal penalty and/or fees which may reduce earnings. All programs, rates, and terms may change or be discontinued at any time without notice. Membership is required.

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.56%

1 Year Add-On Certificate

4.10% ▲ 1.15% above national avg

View

▼

Rate4.04%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.15% above avg

Details

Florida West Coast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

12 Month Certificate

4.08% ▲ 1.13% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.13% above avg

Details

Balance Required to Earn Dividend Rate: $500.00

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

12 Month Fixed Rate Jumbo Certificates

$50,000

4.08% ▲ 1.13% above national avg

View

▼

Rate4.00%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.13% above avg

Details

RadiFi Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.50%

12-Month Term Certificate

4.05% ▲ 1.10% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.10% above avg

Details

Balance: $1,000,000 OR HIGHER

Blue Coast Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

1 Year Share Certificate

4.05% ▲ 1.10% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.10% above avg

Details

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

12 Month Business Fixed Rate Certificates

$1,000

4.03% ▲ 1.08% above national avg

View

▼

Rate3.95%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.08% above avg

Details

Compound Period: Daily

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

12 Month Fixed Rate Certificates

$1,000

4.03% ▲ 1.08% above national avg

View

▼

Rate3.95%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.08% above avg

Details

Compound Period: Daily

Coast 2 Coast Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.07%

12 Month Jumbo Certificate

$100,000

4.01% ▲ 1.06% above national avg

View

▼

Rate3.95%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.06% above avg

Details

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

1 Year Rising Rate CD

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

Minimum to Obtain: $500

Total Direct Bank

Institution Rating:

A5.0 ★Texas Ratio: 7.12%

12-month online CD

$25,000

4.00% ▲ 1.05% above national avg

View

▼

Rate3.92%

Min Deposit$25,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

RadiFi Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.50%

12-Month Term Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

Balance: $750,000-$999,999.99

Newtek Bank

Institution Rating:

F1.0 ★Texas Ratio: 73.57%

12 Month CD

$2,500

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

Amerant Bank

Institution Rating:

B+4.7 ★Texas Ratio: 18.92%

12-month CD

$10,000

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

12 Month Certificate

$1,000

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.95%▲ 1.05% above avg

Details

Pinellas Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.52%

1 Year Certificate Account

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

Baptist Health South Florida Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.69%

12 Month Promotional Share Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

Jetstream Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.71%

12 Month Certificate

$50,000

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

Jetstream Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.71%

12-Month Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

Jetstream Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.71%

Golden Eagle Certificates - 12-Month

$5,000

4.00% ▲ 1.05% above national avg

View

▼

Rate3.93%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.95%▲ 1.05% above avg

Details

First Choice Credit Union West Palm Beach, FL

Institution Rating:

A+5.0 ★Texas Ratio: 2.08%

Jumbo 12 Month Certificates

4.00% ▲ 1.05% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.05% above avg

Details

Minimum $75,000

MIAMI FIREFIGHTERS

Institution Rating:

A+5.0 ★Texas Ratio: 0.75%

12 Month IRA Share Certificate

4.00% ▲ 1.05% above national avg

View

▼

Rate3.92%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.05% above avg

Details

MIAMI FIREFIGHTERS

Institution Rating:

A+5.0 ★Texas Ratio: 0.75%

12 Month Share Certificates

4.00% ▲ 1.05% above national avg

View

▼

Rate3.92%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.95%▲ 1.05% above avg

Details

Saint Augustine 18 Month CD Rates

National 18 Month CD Average2.82% APY▼ 0.01% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

18 Month CD

$250

1.00% ▼ 1.82% below national avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▼ 1.82% below avg

Details

Relationship APY

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

18 Month Certificate

1.00% ▼ 1.82% below national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▼ 1.82% below avg

Details

Balance: $250.00 - $9,999.99

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

Certificates of Deposit (CDs) - 18 Months

$2,000

4.55% ▲ 1.73% above national avg

View

▼

Rate4.45%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.73% above avg

Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Suncoast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.87%

18 Month Jumbo Certificate

4.50% ▲ 1.68% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.68% above avg

Details

Suncoast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.87%

18 Month Share Certificate

4.50% ▲ 1.68% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.68% above avg

Details

Suncoast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.87%

18 Month Youth Certificate

4.50% ▲ 1.68% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.68% above avg

Details

Launch Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.92%

18 Month Business Share Certificate

4.50% ▲ 1.68% above national avg

View

▼

Rate4.41%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.68% above avg

Details

Launch Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.92%

18 Month Share Certificates

$1,000

4.50% ▲ 1.68% above national avg

View

▼

Rate4.41%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.68% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

18 Month IRA Jumbo

4.28% ▲ 1.46% above national avg

View

▼

Rate4.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.46% above avg

Details

Space Coast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.16%

18 Month IRA CD

4.25% ▲ 1.43% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.43% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

18 Month Certificate

$1,000

4.23% ▲ 1.41% above national avg

View

▼

Rate4.15%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.41% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

18 Month IRA

4.23% ▲ 1.41% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.41% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

18 Month CD

$100,000

4.15% ▲ 1.33% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.33% above avg

Details

Interest Frequency: Monthly

Tampa Bay Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.86%

18 Month Market Watch

4.15% ▲ 1.33% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.33% above avg

Details

Balance: $500-$49,999; This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.

MIAMI FIREFIGHTERS

Institution Rating:

A+5.0 ★Texas Ratio: 0.75%

18 Month IRA Share Certificate

4.15% ▲ 1.33% above national avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.33% above avg

Details

MIAMI FIREFIGHTERS

Institution Rating:

A+5.0 ★Texas Ratio: 0.75%

18 Month Share Certificates

4.15% ▲ 1.33% above national avg

View

▼

Rate4.07%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.33% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 18 Month

4.10% ▲ 1.28% above national avg

View

▼

Rate4.04%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.28% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

18 Month CD

$100,000

4.10% ▲ 1.28% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.28% above avg

Details

Interest Frequency: Semi

Tropical Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

18 Month IRA Certificate

$500

4.10% ▲ 1.28% above national avg

View

▼

Rate4.04%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.28% above avg

Details

IRA Certificate

Tropical Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

18 Month Regular Certificate of Deposit

$500

4.10% ▲ 1.28% above national avg

View

▼

Rate4.04%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.28% above avg

Details

Tropical Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

18 Months Certificate

$500

4.10% ▲ 1.28% above national avg

View

▼

Rate4.04%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.28% above avg

Details

Tropical Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.63%

IRA Certificates - 18 Months

$500

4.10% ▲ 1.28% above national avg

View

▼

Rate4.04%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 1.28% above avg

Details

Blue Coast Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.72%

18 Month Share Certificate

4.08% ▲ 1.26% above national avg

View

▼

Rate4.01%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.26% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

18 Month CD

$100,000

4.05% ▲ 1.23% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 1.23% above avg

Details

Interest Frequency: Semi

CIBC

Institution Rating:

A+5.0 ★Texas Ratio: 5.05%

18-month CD

$1,000

4.00% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.18% above avg

Details

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

18 Month Certificate

$1,000

4.00% ▲ 1.18% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.18% above avg

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

18 Month Share Certificate

$1,000

4.00% ▲ 1.18% above national avg

View

▼

Rate3.93%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.18% above avg

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

Traditional/Roth IRA Certificates 18 Month

$100,000

4.00% ▲ 1.18% above national avg

View

▼

Rate3.93%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.18% above avg

Details

Newtek Bank

Institution Rating:

F1.0 ★Texas Ratio: 73.57%

18 Month CD

$2,500

3.95% ▲ 1.13% above national avg

View

▼

Rate—

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.13% above avg

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

18 Month Share Certificate

$1,000

3.95% ▲ 1.13% above national avg

View

▼

Rate3.88%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.13% above avg

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

18 Month Traditional/Roth IRA Certificates

$50,000

3.95% ▲ 1.13% above national avg

View

▼

Rate3.88%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.13% above avg

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

18 Month Share Certificates

$1,000

3.90% ▲ 1.08% above national avg

View

▼

Rate3.83%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.08% above avg

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

Traditional/Roth IRA Certificates - 18 Month

$1,000

3.90% ▲ 1.08% above national avg

View

▼

Rate3.83%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.08% above avg

Details

M&T Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.93%

18 MONTH SELECT Certificate of Deposit

$1,000

3.85% ▲ 1.03% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.03% above avg

Details

Requires a qualifying checking account.

M&T Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.93%

18-Month M&T Select CD

3.85% ▲ 1.03% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 1.03% above avg

Details

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

18 month IRA CD

3.85% ▲ 1.03% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 1.03% above avg

Details

Call 800.593.2274 or visit a branch to open your CD and start saving today.

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

CD - 18 Month

3.80% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.82%▲ 0.98% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

18 Month CD

$100,000

3.80% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.98% above avg

Details

Interest Frequency: Monthly

Self-Help Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

18 Month Term Certificate

3.77% ▲ 0.95% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.82%▲ 0.95% above avg

Details

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

18 month CD

3.75% ▲ 0.93% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.93% above avg

Details

Balance: $500 - $24,999.99

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

Business 18 month CD

3.75% ▲ 0.93% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.82%▲ 0.93% above avg

Details

Balance: $500; Call 800.593.2274 or visit a branch to open your CD and start saving today.

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

18 Month CD

$100,000

3.70% ▲ 0.88% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.88% above avg

Details

Interest Frequency: Monthly

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

18 Month CD

$200,000

3.65% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$200,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.82%▲ 0.83% above avg

Details

Interest Frequency: Monthly

First Florida Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.34%

18 Month Certificate

$1,000

3.65% ▲ 0.83% above national avg

View

▼

Rate3.59%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.83% above avg

Details

First Florida Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.34%

18 Month IRA Certificate

$1,000

3.65% ▲ 0.83% above national avg

View

▼

Rate3.59%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.83% above avg

Details

1st Street Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

18 MONTH CERTIFICATE

$150,000

3.65% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$150,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.83% above avg

Details

1st Street Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

18 MONTH IRA CERT

$150,000

3.65% ▲ 0.83% above national avg

View

▼

Rate—

Min Deposit$150,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.83% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

18-month term

3.65% ▲ 0.83% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.83% above avg

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.20%

IRA CD Specials - 18-month term

3.65% ▲ 0.83% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.83% above avg

Details

Innovations Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.94%

18 Month Compounding IRA Share Certificate

3.65% ▲ 0.83% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.82%▲ 0.83% above avg

Details

Saint Augustine 24 Month CD Rates

National 24 Month CD Average2.84% APYUnchanged from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

ValleyDirect

Institution Rating:

A+5.0 ★Texas Ratio: 5.76%

1850 Old Moultrie Rd, Saint Augustine, FL 32084

24-Month Fixed Rate CD

3.25% ▲ 0.41% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.41% above avg

Details

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

24 Month CD

$250

1.00% ▼ 1.84% below national avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▼ 1.84% below avg

Details

Relationship APY

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

24 Month Certificate

1.00% ▼ 1.84% below national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▼ 1.84% below avg

Details

Balance: $250.00 - $9,999.99

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

Certificates of Deposit (CDs) - 24 Months

$2,000

4.65% ▲ 1.81% above national avg

View

▼

Rate4.55%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.81% above avg

Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

24-month CD

$1,000

4.25% ▲ 1.41% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.41% above avg

Details

Tru Fi-Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.49%

Traditional Kid's Club 24 month CD Special

4.25% ▲ 1.41% above national avg

View

▼

Rate4.17%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.41% above avg

Details

Special; Tru Traditional/Roth IRA Accounts

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

24 Month CD

$100,000

4.20% ▲ 1.36% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.36% above avg

Details

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

24 Month Business Adjustable Rate Certificates

$1,000

4.20% ▲ 1.36% above national avg

View

▼

Rate4.11%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.36% above avg

Details

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

24 Month Certificate

$1,000

4.20% ▲ 1.36% above national avg

View

▼

Rate4.11%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.36% above avg

Details

1st Street Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

24 MONTH CERTIFICATE

$150,000

4.16% ▲ 1.32% above national avg

View

▼

Rate—

Min Deposit$150,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.32% above avg

Details

1st Street Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

24 MONTH IRA CERT

$150,000

4.16% ▲ 1.32% above national avg

View

▼

Rate—

Min Deposit$150,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.32% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 24 Month

4.15% ▲ 1.31% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.31% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

24 Month CD

$100,000

4.15% ▲ 1.31% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.31% above avg

Details

Interest Frequency: Semi

1st Street Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

24 MONTH CERTIFICATE

$75,000

4.11% ▲ 1.27% above national avg

View

▼

Rate—

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.27% above avg

Details

1st Street Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

24 MONTH IRA CERT

$75,000

4.11% ▲ 1.27% above national avg

View

▼

Rate—

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.27% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

24 Month CD

$100,000

4.10% ▲ 1.26% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.26% above avg

Details

Interest Frequency: Semi

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

2 Year Retirement Liquid Share Certificates

4.10% ▲ 1.26% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.26% above avg

Details

1st Street Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

24 MONTH CERTIFICATE

$1,000

4.06% ▲ 1.22% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.22% above avg

Details

1st Street Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

24 MONTH IRA CERT

$1,000

4.06% ▲ 1.22% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.22% above avg

Details

Coast 2 Coast Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.07%

24 Month Jumbo Certificate

$100,000

4.06% ▲ 1.22% above national avg

View

▼

Rate4.00%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.22% above avg

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

2 Year Retirement Liquid Share Certificates

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.21% above avg

Details

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

24 Month Certificate

$1,000

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.16% above avg

Details

Platinum Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.90%

24 Months Business Share Certificate/CD

$1,000

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Balance: $1,000 - $9,999

Platinum Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.90%

24 Months CD

$1,000

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Balance: $1,000 - $9,999

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

2 Year Business Share Certificates

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Balance: $100,000 and over

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

2 Year Retirement Liquid Share Certificates

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

2 Year Share Certificates

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Balance: $100,000 and over

Suncoast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.87%

24 Month Jumbo Certificate

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

24 Month Fixed Rate Jumbo Certificates

$50,000

3.98% ▲ 1.14% above national avg

View

▼

Rate3.90%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.14% above avg

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.94%

24 Month Bonus Certificates

3.96% ▲ 1.12% above national avg

View

▼

Rate3.89%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.12% above avg

Details

Balance: 24 Month

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.94%

24 Month Bonus IRA Certificates

3.96% ▲ 1.12% above national avg

View

▼

Rate3.89%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.12% above avg

Details

Balance: 24 Month

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

2 Year Business Share Certificates

3.95% ▲ 1.11% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.11% above avg

Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

2 Year Share Certificates

3.95% ▲ 1.11% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.11% above avg

Details

Balance: $50,000 - $99,999.99

SUMA Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

2-Year Share Certificate

$1,000

3.93% ▲ 1.09% above national avg

View

▼

Rate3.85%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.09% above avg

Details

Penalty for early withdrawal: 6 Months Dividends

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

24 Month Business Fixed Rate Certificates

$1,000

3.93% ▲ 1.09% above national avg

View

▼

Rate3.85%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.09% above avg

Details

Compound Period: Daily

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

24 Month Fixed Rate Certificates

$1,000

3.93% ▲ 1.09% above national avg

View

▼

Rate3.85%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.09% above avg

Details

Compound Period: Daily

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

24 Month CD

$100,000

3.90% ▲ 1.06% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.06% above avg

Details

Interest Frequency: Monthly

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

2 Year Business Share Certificates

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.06% above avg

Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

2 Year Share Certificates

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.06% above avg

Details

Balance: $1,000 - $49,999.99

MIAMI FIREFIGHTERS

Institution Rating:

A+5.0 ★Texas Ratio: 0.75%

24 Month IRA Share Certificate

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.06% above avg

Details

MIAMI FIREFIGHTERS

Institution Rating:

A+5.0 ★Texas Ratio: 0.75%

24 Month Share Certificates

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.06% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

24 Month IRA Jumbo

3.87% ▲ 1.03% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.03% above avg

Details

RadiFi Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.50%

24-Month Term Certificate

3.85% ▲ 1.01% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.01% above avg

Details

Balance: $750,000-$999,999.99

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

CD - 24 Month

3.85% ▲ 1.01% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.01% above avg

Details

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

24 month IRA CD

3.85% ▲ 1.01% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.01% above avg

Details

Florida West Coast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.59%

24 Month Certificate

3.82% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 0.98% above avg

Details

Balance Required to Earn Dividend Rate: $1000.00

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

24 Month Certificate

$1,000

3.82% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 0.98% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

24 Month IRA

3.82% ▲ 0.98% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 0.98% above avg

Details

RadiFi Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.50%

24-Month Term Certificate

3.80% ▲ 0.96% above national avg

View

▼

Rate3.73%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 0.96% above avg

Details

Balance: $500,000-$749,999.99

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.94%

24 Month Certificates

3.80% ▲ 0.96% above national avg

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 0.96% above avg

Details

Balance: 24 Month

Saint Augustine 36 Month CD Rates

National 36 Month CD Average2.76% APYUnchanged from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

ValleyDirect

Institution Rating:

A+5.0 ★Texas Ratio: 5.76%

1850 Old Moultrie Rd, Saint Augustine, FL 32084

36-Month Certificate of Deposit

$500

3.20% ▲ 0.44% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.44% above avg

Details

Earn 3.20% APY on balances of $500 or more.

ValleyDirect

Institution Rating:

A+5.0 ★Texas Ratio: 5.76%

1850 Old Moultrie Rd, Saint Augustine, FL 32084

36-Month Fixed Rate CD

3.20% ▲ 0.44% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 0.44% above avg

Details

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

3 Year CD

$250

1.00% ▼ 1.76% below national avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▼ 1.76% below avg

Details

Relationship APY

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

3 Year Certificate

1.00% ▼ 1.76% below national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▼ 1.76% below avg

Details

Balance: $250.00 - $9,999.99

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

Certificates of Deposit (CDs) - 36 Months

$2,000

4.80% ▲ 2.04% above national avg

View

▼

Rate4.69%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 2.04% above avg

Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

36 Month Bonus CD

4.50% ▲ 1.74% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.74% above avg

Details

Minimum to Obtain: $500

Coast 2 Coast Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.07%

36 Month Jumbo Certificate

$100,000

4.32% ▲ 1.56% above national avg

View

▼

Rate4.25%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.56% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

36 Month CD

$100,000

4.25% ▲ 1.49% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.49% above avg

Details

Suncoast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.87%

36 Month Jumbo Certificate

4.25% ▲ 1.49% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.49% above avg

Details

Suncoast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.87%

36 Month Share Certificate

4.25% ▲ 1.49% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.49% above avg

Details

Suncoast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.87%

36 Month Youth Certificate

4.25% ▲ 1.49% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.49% above avg

Details

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 36 Month

4.20% ▲ 1.44% above national avg

View

▼

Rate4.14%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.44% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

36 Month CD

$100,000

4.20% ▲ 1.44% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.44% above avg

Details

Interest Frequency: Monthly

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

36 Month CD

$100,000

4.15% ▲ 1.39% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.39% above avg

Details

Interest Frequency: Semi

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 4.56%

3 Years Add-On Certificate

4.15% ▲ 1.39% above national avg

View

▼

Rate4.09%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.39% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

36 Month CD

$100,000

4.10% ▲ 1.34% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.34% above avg

Details

Interest Frequency: Semi

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

3 Year Retirement Liquid Share Certificates

4.10% ▲ 1.34% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.34% above avg

Details

Coast 2 Coast Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.07%

36 Month Share Certificates

4.06% ▲ 1.30% above national avg

View

▼

Rate4.00%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.30% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

36 Month CD

$100,000

4.05% ▲ 1.29% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.29% above avg

Details

Interest Frequency: Monthly

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

3 Year Retirement Liquid Share Certificates

4.05% ▲ 1.29% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.29% above avg

Details

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

3 Year Rising Rate CD

4.00% ▲ 1.24% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.24% above avg

Details

Minimum to Obtain: $500

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

36 Month Bonus CD

4.00% ▲ 1.24% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.24% above avg

Details

Minimum to Obtain: $500

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

36 Month Certificate

$1,000

4.00% ▲ 1.24% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.76%▲ 1.24% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

36 Month CD

$100,000

4.00% ▲ 1.24% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.24% above avg

Details

Interest Frequency: Monthly

Platinum Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.90%

36 Months Business Share Certificate/CD

$1,000

4.00% ▲ 1.24% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.24% above avg

Details

Balance: $1,000 - $9,999

Platinum Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.90%

36 Months CD

$1,000

4.00% ▲ 1.24% above national avg

View

▼

Rate3.94%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.24% above avg

Details

Balance: $1,000 - $9,999

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

3 Year Business Share Certificates

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.24% above avg

Details

Balance: $100,000 and over

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

3 Year Retirement Liquid Share Certificates

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.24% above avg

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

3 Year Share Certificates

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.24% above avg

Details

Balance: $100,000 and over

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

Traditional/Roth IRA Certificates 3 Year

$100,000

4.00% ▲ 1.24% above national avg

View

▼

Rate3.93%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.24% above avg

Details

Midflorida Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.43%

36 months Certificate of Deposit

$1,000

4.00% ▲ 1.24% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.24% above avg

Details

Offer and rate valid as of July 1, 2026, and may be canceled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. The initial deposit cannot exceed $5 million per member or $10 million per address. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.

SUMA Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

3-Year Share Certificate

$1,000

3.98% ▲ 1.22% above national avg

View

▼

Rate3.90%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.22% above avg

Details

Penalty for early withdrawal: 9 Months Dividends

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.94%

36 Month Bonus Certificates

3.97% ▲ 1.21% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.21% above avg

Details

Balance: 36 Month

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.94%

36 Month Bonus IRA Certificates

3.97% ▲ 1.21% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.21% above avg

Details

Balance: 36 Month

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

3 Year Business Share Certificates

3.95% ▲ 1.19% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.19% above avg

Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

3 Year Share Certificates

3.95% ▲ 1.19% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.19% above avg

Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

3 Year Traditional/Roth IRA Certificates

$50,000

3.95% ▲ 1.19% above national avg

View

▼

Rate3.88%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.19% above avg

Details

1st Street Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

36 MONTH CERTIFICATE

$150,000

3.91% ▲ 1.15% above national avg

View

▼

Rate—

Min Deposit$150,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.15% above avg

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

3 Year Business Share Certificates

3.90% ▲ 1.14% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.14% above avg

Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

3 Year Share Certificates

3.90% ▲ 1.14% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.14% above avg

Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

Traditional/Roth IRA Certificates - 3 Year

$1,000

3.90% ▲ 1.14% above national avg

View

▼

Rate3.83%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.76%▲ 1.14% above avg

Details

First Florida Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.34%

36 Month Certificate

$1,000

3.90% ▲ 1.14% above national avg

View

▼

Rate3.83%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.14% above avg

Details

First Florida Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.34%

36 Month IRA Certificate

$1,000

3.90% ▲ 1.14% above national avg

View

▼

Rate3.83%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.14% above avg

Details

Priority One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.16%

36 Month Term Jumbo Certificate

3.90% ▲ 1.14% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.14% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

36 Month IRA Jumbo

3.87% ▲ 1.11% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.11% above avg

Details

1st Street Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

36 MONTH CERTIFICATE

$75,000

3.85% ▲ 1.09% above national avg

View

▼

Rate—

Min Deposit$75,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.09% above avg

Details

Self-Help Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

36 Month Term Certificate

3.82% ▲ 1.06% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.76%▲ 1.06% above avg

Details

First Bank Clewiston, FL

Institution Rating:

A+5.0 ★Texas Ratio: 2.00%

36 Month Certificate

$2,500

3.82% ▲ 1.06% above national avg

View

▼

Rate3.75%

Min Deposit$2,500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.76%▲ 1.06% above avg

Details

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

36 Month Business Fixed Rate Certificates

$1,000

3.82% ▲ 1.06% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.06% above avg

Details

Compound Period: Daily

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

36 Month Fixed Rate Certificates

$1,000

3.82% ▲ 1.06% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.76%▲ 1.06% above avg

Details

Compound Period: Daily

Saint Augustine 48 Month CD Rates

National 48 Month CD Average2.77% APY▼ 0.01% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

ValleyDirect

Institution Rating:

A+5.0 ★Texas Ratio: 5.76%

1850 Old Moultrie Rd, Saint Augustine, FL 32084

48-Month Certificate of Deposit

$500

3.05% ▲ 0.28% above national avg

View

▼

Rate—

Min Deposit$500

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.28% above avg

Details

Earn 3.05% APY on balances of $500 or more. Account matures in 48 months.

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

Certificates of Deposit (CDs) - 48 Months

$2,000

4.85% ▲ 2.08% above national avg

View

▼

Rate4.74%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 2.08% above avg

Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 48 Month

4.25% ▲ 1.48% above national avg

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.48% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

48 Month CD

$100,000

4.25% ▲ 1.48% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.48% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

48 Month CD

$100,000

4.20% ▲ 1.43% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.43% above avg

Details

Interest Frequency: Monthly

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

48 Month CD

$100,000

4.15% ▲ 1.38% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.38% above avg

Details

Interest Frequency: Semi

Coast 2 Coast Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.07%

48 Month Jumbo Certificate

$100,000

4.06% ▲ 1.29% above national avg

View

▼

Rate4.00%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.29% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

48 Month CD

$100,000

4.05% ▲ 1.28% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.28% above avg

Details

Interest Frequency: Semi

SUMA Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

4-Year Share Certificate

$1,000

4.03% ▲ 1.26% above national avg

View

▼

Rate3.95%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.26% above avg

Details

Penalty for early withdrawal: 9 Months Dividends

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

48 Month Certificate

$1,000

4.00% ▲ 1.23% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.23% above avg

Details

Suncoast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.87%

48 Month Jumbo Certificate

4.00% ▲ 1.23% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.23% above avg

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.94%

48 Month Bonus Certificates

3.97% ▲ 1.20% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.20% above avg

Details

Balance: 48 Month

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.94%

48 Month Bonus IRA Certificates

3.97% ▲ 1.20% above national avg

View

▼

Rate3.90%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.20% above avg

Details

Balance: 48 Month

Priority One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.16%

48 Month Term Jumbo Certificate

3.95% ▲ 1.18% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.18% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

48 Month IRA Jumbo

3.92% ▲ 1.15% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.15% above avg

Details

Dort Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

Jumbo Term Share Certificates - 4 Years

3.90% ▲ 1.13% above national avg

View

▼

Rate3.84%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.13% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

48 Month Certificate

$1,000

3.87% ▲ 1.10% above national avg

View

▼

Rate3.80%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.10% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

48 Month IRA

3.87% ▲ 1.10% above national avg

View

▼

Rate3.80%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.10% above avg

Details

RadiFi Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.50%

48-Month Term Certificate

3.85% ▲ 1.08% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 1.08% above avg

Details

Balance: $750,000-$999,999.99

Priority One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.16%

48 Month Term Certificate

3.85% ▲ 1.08% above national avg

View

▼

Rate3.78%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.08% above avg

Details

Self-Help Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.02%

48 Month Term Certificate

3.82% ▲ 1.05% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 15, 2026

National Average2.77%▲ 1.05% above avg

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.94%

48 Month Certificates

3.81% ▲ 1.04% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 1.04% above avg

Details

Balance: 48 Month

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

48 Month CD

$200,000

3.80% ▲ 1.03% above national avg

View

▼

Rate—

Min Deposit$200,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 1.03% above avg

Details

Interest Frequency: Monthly

Coast 2 Coast Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.07%

48 Month Share Certificates

3.80% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.03% above avg

Details

Dort Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

4 Year Term Share Certificates

$1,000

3.80% ▲ 1.03% above national avg

View

▼

Rate3.75%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 1.03% above avg

Details

RadiFi Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.50%

48-Month Term Certificate

3.75% ▲ 0.98% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.98% above avg

Details

Balance: $500,000-$749,999.99

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

CD - 48 Month

3.75% ▲ 0.98% above national avg

View

▼

Rate3.70%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.77%▲ 0.98% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

48 Month CD - Certificates of Deposit

3.75% ▲ 0.98% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.98% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

48 Month Certificates of Deposit

$1,000

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.98% above avg

Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

CD - Certificates of Deposit - 48 Month

3.75% ▲ 0.98% above national avg

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.98% above avg

Details

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

Certificates of Deposit - 48 Month

$1,000

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.98% above avg

Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Republic Bank & Trust Company

Institution Rating:

A+5.0 ★Texas Ratio: 2.91%

IRA - Individual Retirement Accounts - 48-Month

$1,000

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.77%▲ 0.98% above avg

Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Monroe County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.08%

48 Month IRA CD

$20,000

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$20,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.98% above avg

Details

Management has discretion to match local rate offerings! Call for weekly rates and information Early withdrawal penalties apply *APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.

Monroe County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.08%

48 Month Share Certificate

$10,000

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.77%▲ 0.98% above avg

Details

Mayo Employees Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.13%

Certificates 4 years

$1,000

3.75% ▲ 0.98% above national avg

View

▼

Rate3.70%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.98% above avg

Details

Balance: $1,000.00+

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

48 month IRA CD

3.75% ▲ 0.98% above national avg

View

▼

Rate3.69%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.98% above avg

Details

Balance: $100,000 and over

Suncoast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.87%

48 Month Share Certificate

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.98% above avg

Details

Suncoast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.87%

48 Month Youth Certificate

3.75% ▲ 0.98% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.98% above avg

Details

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

48 Month Business Fixed Rate Certificates

$1,000

3.72% ▲ 0.95% above national avg

View

▼

Rate3.65%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.95% above avg

Details

Compound Period: Daily

Radiant Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.97%

48 Month Fixed Rate Certificates

$1,000

3.72% ▲ 0.95% above national avg

View

▼

Rate3.65%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.95% above avg

Details

Compound Period: Daily

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

48 month IRA CD

3.70% ▲ 0.93% above national avg

View

▼

Rate3.64%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.93% above avg

Details

Balance: $25,000 - $99,999.99

Commerce Bank & Trust Winter Park, FL

Institution Rating:

C-3.7 ★Texas Ratio: 30.17%

48 month CD

$500

3.66% ▲ 0.89% above national avg

View

▼

Rate3.59%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 19, 2026

National Average2.77%▲ 0.89% above avg

Details

Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.

EGLIN

Institution Rating:

A+5.0 ★Texas Ratio: 0.71%

48 Month Certificate

3.66% ▲ 0.89% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.89% above avg

Details

EGLIN

Institution Rating:

A+5.0 ★Texas Ratio: 0.71%

48 Month Preferred Investment Certificates

3.66% ▲ 0.89% above national avg

View

▼

Rate3.60%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.89% above avg

Details

see details

Partners Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.23%

48 Month Jumbo Certificate

$100,000

3.65% ▲ 0.88% above national avg

View

▼

Rate3.58%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.88% above avg

Details

Partners Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.23%

Traditional/Roth IRA Jumbo 48-Month Certificate

$100,000

3.65% ▲ 0.88% above national avg

View

▼

Rate3.58%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.88% above avg

Details

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

48 month CD

3.65% ▲ 0.88% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.88% above avg

Details

Balance: $100,000 and over

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

48 month IRA CD

3.65% ▲ 0.88% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.88% above avg

Details

Balance: $500 - $24,999.99

Achieva Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.29%

Business 48 month CD

3.65% ▲ 0.88% above national avg

View

▼

Rate3.59%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.77%▲ 0.88% above avg

Details

Balance: $100,000 and over

First Florida Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.34%

48 Month Certificate

$1,000

3.65% ▲ 0.88% above national avg

View

▼

Rate3.59%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.77%▲ 0.88% above avg

Details

Saint Augustine 60 Month CD Rates

National 60 Month CD Average2.84% APY▼ 0.01% from last week

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

5 Year CD

$250

1.00% ▼ 1.84% below national avg

View

▼

Rate—

Min Deposit$250

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▼ 1.84% below avg

Details

Relationship APY

TD Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

2501 Us Highway 1 S, Saint Augustine, FL 32086

5 Year Certificate

1.00% ▼ 1.84% below national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▼ 1.84% below avg

Details

Balance: $250.00 - $9,999.99

Raymond James Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.19%

Certificates of Deposit (CDs) - 60 Months

$2,000

4.95% ▲ 2.11% above national avg

View

▼

Rate4.83%

Min Deposit$2,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 2.11% above avg

Details

Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

60 Month Bonus CD

4.50% ▲ 1.66% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.66% above avg

Details

Minimum to Obtain: $500

Climate First Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.15%

60-Month CD

$500

4.39% ▲ 1.55% above national avg

View

▼

Rate4.30%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.55% above avg

Details

No additional deposits allowed. If Principal is withdrawn before the maturity date, a penalty equal to 90 days' interest will apply. The account matures in 60 months and will automatically renew to the same term CD unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.

Nicolet Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

Relationship CD - 60 Month

4.35% ▲ 1.51% above national avg

View

▼

Rate4.28%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.51% above avg

Details

First Choice Credit Union West Palm Beach, FL

Institution Rating:

A+5.0 ★Texas Ratio: 2.08%

Jumbo 60 Month Certificates

4.35% ▲ 1.51% above national avg

View

▼

Rate4.28%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.51% above avg

Details

Minimum $75,000

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

60 Month CD

$100,000

4.30% ▲ 1.46% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.46% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

60 Month IRA Jumbo

4.28% ▲ 1.44% above national avg

View

▼

Rate4.20%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.44% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

60 Month CD

$100,000

4.25% ▲ 1.41% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.41% above avg

Details

Interest Frequency: Semi

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

60 Month Certificate

$1,000

4.23% ▲ 1.39% above national avg

View

▼

Rate4.15%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.39% above avg

Details

All In Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.40%

60 Month IRA

4.23% ▲ 1.39% above national avg

View

▼

Rate4.15%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.39% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

60 Month CD

$100,000

4.20% ▲ 1.36% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.36% above avg

Details

Interest Frequency: Monthly

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

60 Month CD

$100,000

4.15% ▲ 1.31% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.31% above avg

Details

Interest Frequency: Semi

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

5 Year Retirement Liquid Share Certificates

4.10% ▲ 1.26% above national avg

View

▼

Rate4.03%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.26% above avg

Details

First Choice Credit Union West Palm Beach, FL

Institution Rating:

A+5.0 ★Texas Ratio: 2.08%

Regular 60 Month Certificates

$5,000

4.09% ▲ 1.25% above national avg

View

▼

Rate4.03%

Min Deposit$5,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.25% above avg

Details

Minimum $5,000

SUMA Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.41%

5-Year Share Certificate

$1,000

4.08% ▲ 1.24% above national avg

View

▼

Rate4.00%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.24% above avg

Details

Penalty for early withdrawal: 9 Months Dividends

Coast 2 Coast Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.07%

60 Month Jumbo Certificate

$100,000

4.06% ▲ 1.22% above national avg

View

▼

Rate4.00%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.22% above avg

Details

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

60 Month CD

$100,000

4.05% ▲ 1.21% above national avg

View

▼

Rate—

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.21% above avg

Details

Interest Frequency: Semi

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

5 Year Retirement Liquid Share Certificates

4.05% ▲ 1.21% above national avg

View

▼

Rate3.98%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.21% above avg

Details

Grow Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

60 Month Certificate

4.02% ▲ 1.18% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.18% above avg

Details

Balance: $100,000+

Grow Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

60 Month IRA Certificate Account

4.02% ▲ 1.18% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.18% above avg

Details

Balance: $100,000+

Grow Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

IRA Certificate Account - 60 months

4.02% ▲ 1.18% above national avg

View

▼

Rate3.95%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.18% above avg

Details

Balance: $100,000+

Third Federal Savings and Loan

Institution Rating:

A+5.0 ★Texas Ratio: 2.32%

60 Month Bonus CD

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.16% above avg

Details

Minimum to Obtain: $500

Crescent Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.24%

60 Month Certificate

$1,000

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 18, 2026

National Average2.84%▲ 1.16% above avg

Details

Monroe County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.08%

60 Month IRA CD

$20,000

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$20,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.16% above avg

Details

Monroe County Teachers Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.08%

60 Month Share Certificate

$10,000

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$10,000

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.16% above avg

Details

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.94%

60 Month Bonus Certificates

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Balance: 60 Month

Northrop Grumman Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.94%

60 Month Bonus IRA Certificates

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Balance: 60 Month

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

5 Year Business Share Certificates

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Balance: $100,000 and over

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

5 Year Retirement Liquid Share Certificates

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

5 Year Share Certificates

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Balance: $100,000 and over

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

Traditional/Roth IRA Certificates 5 Year

$100,000

4.00% ▲ 1.16% above national avg

View

▼

Rate3.93%

Min Deposit$100,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.16% above avg

Details

Midflorida Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.43%

60 months Certificate of Deposit

$1,000

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

Suncoast Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.87%

60 Month Jumbo Certificate

4.00% ▲ 1.16% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

Dort Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

Jumbo Term Share Certificates - 5 Years

4.00% ▲ 1.16% above national avg

View

▼

Rate3.94%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.16% above avg

Details

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

5 Year Business Share Certificates

3.95% ▲ 1.11% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.11% above avg

Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

5 Year Share Certificates

3.95% ▲ 1.11% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.11% above avg

Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

5 Year Traditional/Roth IRA Certificates

$50,000

3.95% ▲ 1.11% above national avg

View

▼

Rate3.88%

Min Deposit$50,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.11% above avg

Details

Priority One Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.16%

60 Month Term Jumbo Certificate

3.95% ▲ 1.11% above national avg

View

▼

Rate3.88%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.11% above avg

Details

Grow Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

60 Month Certificate

3.92% ▲ 1.08% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.08% above avg

Details

Balance: $500 - $99,999.99

Grow Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

60 Month IRA Certificate Account

3.92% ▲ 1.08% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.08% above avg

Details

Balance: $500 - $99,999.99

Grow Financial Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.28%

IRA Certificate Account - 60 months

3.92% ▲ 1.08% above national avg

View

▼

Rate3.85%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 20, 2026

National Average2.84%▲ 1.08% above avg

Details

Balance: $500 - $99,999.99

Anthem Bank & Trust

Institution Rating:

A+5.0 ★Texas Ratio: 3.32%

60 Month CD

$200,000

3.90% ▲ 1.06% above national avg

View

▼

Rate—

Min Deposit$200,000

Min Balance—

Verified and UpdatedSep 14, 2026

National Average2.84%▲ 1.06% above avg

Details

Interest Frequency: Monthly

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

5 Year Business Share Certificates

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.06% above avg

Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

5 Year Share Certificates

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$0

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.06% above avg

Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.84%

Traditional/Roth IRA Certificates - 5 Year

$1,000

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 21, 2026

National Average2.84%▲ 1.06% above avg

Details

LMCU Lake Michigan Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.85%

60 Mo. IRA CD VIP

3.90% ▲ 1.06% above national avg

View

▼

Rate—

Min Deposit$0

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.06% above avg

Details

LMCU Lake Michigan Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.85%

60 Month IRA/HSA CD

$500

3.90% ▲ 1.06% above national avg

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.06% above avg

Details

VIP Bonus APY: 4.15%

Dort Financial Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.86%

5 Year Term Share Certificates

$1,000

3.90% ▲ 1.06% above national avg

View

▼

Rate3.84%

Min Deposit$1,000

Min Balance—

Verified and UpdatedSep 22, 2026

National Average2.84%▲ 1.06% above avg

Details

Disclaimer

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.

Top CD Rates from Saint Augustine, Florida Institutions

Highest verified APYs available today, updated September 22, 2026

B Top 5 Bank Rates

ValleyDirect

3-Month Certificate of Deposit

A+ 5.0 ★ TX: 5.76%

Min: $500

3.55%

Truist

12 Month Certificate of Deposit (CDs)

A+ 5.0 ★ TX: 3.81%

Min: $0

3.25%

Wells Fargo

1 year Standard Interest Rate

A 5.0 ★ TX: 6.32%

Min: $2,500

1.51%

TD Bank

12 Month CD

A+ 5.0 ★ TX: 4.06%

Min: $250

1.00%

Raymond James Bank

Certificates of Deposit (CDs) - 60 Months

A+ 5.0 ★ TX: 3.19%

Min: $2,000

4.95%

CU Top 5 Credit Union Rates

Community First Credit Union Of Florida

6 Month SaveUP CD - Super Jumbo Max

A+ 5.0 ★ TX: 3.16%

Min: $1,000,000

3.56%

Platinum Federal Credit Union

12 Month Family Legacy Certificate Account

A+ 5.0 ★ TX: 1.90%

Min: $0

5.00%

Suncoast Credit Union

18 Month Jumbo Certificate

A+ 5.0 ★ TX: 5.87%

Min: $0

4.50%

Launch Credit Union

18 Month Business Share Certificate

A+ 5.0 ★ TX: 1.92%

Min: $0

4.50%

Tropical Financial Credit Union

12 Month IRA Certificate

A+ 5.0 ★ TX: 5.63%

Min: $500

4.40%

Rates verified September 22, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Saint Augustine, FL CD Rate Trends

Compare local Saint Augustine, FL CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Florida CD Trends

12-Month CD FL Avg

2.952%

▲ 0.030 vs 7 days ago

Florida 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.

6-Month CD FL Avg

2.767%

▲ 0.021 vs 7 days ago

Florida 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.

As of Sep 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 September 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

FL 12-Month Avg APY

2.952%

6-Month Forecast

2.952%

Range: 2.75% – 3.10%

12-Month Forecast

3.202%

Range: 3.00% – 3.35%

What Your Savings Earn at FL CD Rates Today

Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.

CD Term	FL Avg APY	$5,000	$10,000	$25,000	$50,000
3-Month CD	2.065%	$103.23	$206.46	$516.15	$1,032.30
6-Month CD	2.767%	$138.33	$276.65	$691.63	$1,383.25
12-Month CD	2.952%	$147.58	$295.15	$737.88	$1,475.75
18-Month CD	2.818%	$140.91	$281.82	$704.55	$1,409.10
24-Month CD	2.841%	$142.07	$284.14	$710.35	$1,420.70
36-Month CD	2.765%	$138.25	$276.49	$691.23	$1,382.45
48-Month CD	2.770%	$138.48	$276.97	$692.43	$1,384.85
60-Month CD	2.844%	$142.22	$284.44	$711.10	$1,422.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026.

Sample CD Ladder for Saint Augustine, 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.

Build Your Ladder

Rung	Term	Deposit	FL Avg APY	Annual Earnings
1	3-Month CD	$5,000	2.065%	$103.23
2	6-Month CD	$5,000	2.767%	$138.33
3	12-Month CD	$5,000	2.952%	$147.58
4	24-Month CD	$5,000	2.841%	$142.07
5	36-Month CD	$5,000	2.765%	$138.25
Total ($25,000 invested)		$25,000	2.678% blended	$669.46/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.

1,624

CD Rates
Tracked in Saint Augustine, Florida

35 Banks 69 Credit Unions

About Our Saint Augustine, Florida CD Rate Database

MonitorBankRates tracks 1,624 CD rates from 35 banks and 69 credit unions with locations in Saint Augustine, 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: Community First Credit Union Of Florida offers a CD at 3.56% APY with a minimum deposit of $1,000,000. Use the rate table above to compare all current offers in Saint Augustine, Florida.

How to Find the Best CD Rates in Saint Augustine, Florida

What to compare when shopping for a CD in Saint Augustine, Florida

To find the best APYs in Saint Augustine, Florida, start with credit unions and online-only banks: Saint Augustine, Florida has 69 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Saint Augustine, 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 Saint Augustine, Florida: 104 institutions here report CD rates

Consider an Alternative If…

You may need the funds within 30 days. Compare Saint Augustine, Florida savings rates instead
Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
You want check-writing access. Compare Saint Augustine, Florida money market rates

Florida Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+

21.3%

National avg: 17.3%

Median Individual Earnings

$41,891

National avg: $47,340

Poverty Rate

12.6%

National avg: 11.1%

Unemployment Rate

4.8%

National avg: 4.8%

CD Earnings on 10% of Salary

$124/yr

At FL 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $124 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 Saint Augustine, Florida

What to compare when choosing between a CD and other deposit accounts

Feature	CD	High-Yield Savings	Money Market	6-Month CD
Rate Type	Fixed APY	Variable APY	Variable APY	Fixed APY
Liquidity	Locked for term	Anytime	Anytime	Locked 6 months
Early Withdrawal	Penalty (months of interest)	None	None	Penalty (90–180 days interest)
FDIC / NCUA Insured	Yes (up to $250K)	Yes (up to $250K)	Yes (up to $250K)	Yes (up to $250K)
Check / Debit Access	No	Usually no	Often yes	No
Best For	Known savings goal, CD ladder	Emergency fund, flexible savings	Liquid savings with check-writing	Slightly higher yield, less urgency

How Certificates of Deposit Work in Saint Augustine, Florida

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Saint Augustine, Florida typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Saint Augustine, Florida as everywhere in the U.S.

Choosing a CD Term in Saint Augustine, Florida

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Saint Augustine, Florida savers easier access to their funds. For example, Community First Credit Union Of Florida is offering its 6 Month SaveUP CD - Super Jumbo Max at 3.56% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, TD Bank is offering its 5 Year CD at 1.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Saint Augustine, Florida Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Saint Augustine, Florida saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Saint Augustine, Florida

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Saint Augustine, Florida CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Saint Augustine, Florida

Most CDs carry a fixed rate that is locked for the entire term, protecting a Saint Augustine, Florida depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Saint Augustine, Florida

Are CD rates in Saint Augustine, Florida FDIC insured?

Yes, most established banks in Saint Augustine, 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 Saint Augustine, 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 Saint Augustine, 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 Saint Augustine, 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 Saint Augustine, Florida?

Here are recent top rates found for this area:

Community First Credit Union Of Florida: 3.56% APY (6 Month SaveUP CD - Super Jumbo Max)
ValleyDirect: 3.55% APY (3-Month Certificate of Deposit)
Truist: 3.25% APY (12 Month Certificate of Deposit (CDs))
Wells Fargo: 1.51% APY (1 year Standard Interest Rate)
TD Bank: 1.00% APY (12 Month CD)
Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
Raymond James Bank: 4.95% APY (Certificates of Deposit (CDs) - 60 Months)
Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
Suncoast Credit Union: 4.50% APY (18 Month Jumbo Certificate)
Launch Credit Union: 4.50% APY (18 Month Business Share Certificate)

Rates reflect recent verified offers available in Saint Augustine, Florida. Last Updated: September 22, 2026

Saint Augustine, Florida CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Saint Augustine, Florida rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Deposit Amount ($)

CD Term

APY (%)

Interest at Maturity

Ending Balance

Matures

—

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top Saint Augustine, Florida CD Rates by Term

Verified September 22, 2026 · click a rate to use its term and APY

Highest verified APY per term available in Saint Augustine, Florida. Averages shown use the Florida state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Saint Augustine, Florida

Saint Augustine, Florida CD Calculator

At today’s FL top rate of 3.56% APY, a $10,000 deposit earns $356 in the first year. Enter your amount to see your exact return.

Saint Augustine, Florida CD Ladder

FL CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Saint Augustine, Florida CD at 3.56% 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 Savings

Florida’s average 12-month CD is 2.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saint Augustine, Florida CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Saint Augustine, Florida directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Saint Augustine, 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: September 22, 2026