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Sarasota, Florida Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Sarasota, Florida CD rates include Third Federal Savings and LoanThird Federal Savings and Loan4048 Jenkins Pl, Sarasota, FL 34238A+5.0 ★Texas Ratio: 2.32%Real return: +1.95%APY minus CPI (February 2026) offering 6 Month Bonus CD at 4.75% APY, Suncoast Credit UnionSuncoast Credit Union4402 Bee Ridge Rd, Sarasota, FL 34233 2502A+5.0 ★Texas Ratio: 5.87%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month Jumbo Certificate at 4.50% APY, 1st Street Credit Union1st Street Credit Union1558 1st St, Sarasota, FL 34236 8502A+5.0 ★Texas Ratio: 0.30%Real return: +1.36%APY minus CPI (February 2026) offering 24 MONTH CERTIFICATE at 4.16% APY, Achieva Credit UnionAchieva Credit Union3000 Bee Ridge Rd, Sarasota, FL 34239A+5.0 ★Texas Ratio: 2.29%Real return: +1.30%APY minus CPI (February 2026) offering 6 month IRA CD at 4.10% APY, and Midflorida Credit UnionMidflorida Credit Union544 S Washington Blvd, Sarasota, FL 34236A+5.0 ★Texas Ratio: 2.43%Real return: +1.20%APY minus CPI (February 2026) offering 36 months Certificate of Deposit at 4.00% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Sarasota has 252 local institutions in our database, with CD rates as high as 4.75% APY from Third Federal Savings and Loan at 4048 Jenkins Pl, Sarasota, FL 34238. 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 Sarasota, Florida & the Surrounding Area
Sarasota 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1680 Fruitville Rd, Sarasota, FL 34236
3-Month Certificate of Deposit
$500
3.55%
▲ 1.49% above national avg
▼
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.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
2704 Bee Ridge Rd, Sarasota, FL 34239
3 Months CD
$0
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.34% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
3 Month IRA/HSA CD
$500
3.30%
▲ 1.24% above national avg
▼
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%
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
3 Month CD
$500
3.15%
▲ 1.09% above national avg
▼
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%
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
3 month CD
$0
2.40%
▲ 0.34% above national avg
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.34% above avg
Details
Balance: $500 - $24,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 3 month CD
$0
2.40%
▲ 0.34% above national avg
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.34% above avg
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
3 Month IRA Certificates
$0
1.25%
▼ 0.81% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.81% below avg
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
3 Month Regular Certificates
$0
1.25%
▼ 0.81% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.81% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3450 Clark Rd, Sarasota, FL 34231
3 Month CD
$250
1.00%
▼ 1.06% below national avg
▼
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%
3450 Clark Rd, Sarasota, FL 34231
3 Month Certificate
$0
1.00%
▼ 1.06% below national avg
▼
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%
3625 Bee Ridge Rd, Sarasota, FL 34233
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
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%
3625 Bee Ridge Rd, Sarasota, FL 34233
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
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
▼
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
$0
4.00%
▲ 1.94% above national avg
▼
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
$0
4.00%
▲ 1.94% above national avg
▼
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
$0
3.75%
▲ 1.69% above national avg
▼
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
$0
3.71%
▲ 1.65% above national avg
▼
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
▼
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
$0
3.66%
▲ 1.60% above national avg
▼
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
$0
3.60%
▲ 1.54% above national avg
▼
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
▼
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
$0
3.50%
▲ 1.44% above national avg
▼
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
$0
3.45%
▲ 1.39% above national avg
▼
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
▼
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
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
▼
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
$0
3.40%
▲ 1.34% above national avg
▼
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
$0
3.35%
▲ 1.29% above national avg
▼
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
▼
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
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3-Month Term Certificate
$0
3.25%
▲ 1.19% above national avg
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
$0
3.25%
▲ 1.19% above national avg
▼
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
▼
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
▼
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
$0
3.20%
▲ 1.14% above national avg
▼
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
$0
3.15%
▲ 1.09% above national avg
▼
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
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
3 Month Certificate
$0
3.14%
▲ 1.08% above national avg
▼
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
$0
3.10%
▲ 1.04% above national avg
▼
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
▼
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
$0
3.05%
▲ 0.99% above national avg
▼
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
$0
3.05%
▲ 0.99% above national avg
▼
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
▼
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
$0
3.00%
▲ 0.94% above national avg
▼
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
▼
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
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
FL
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.94% above avg
Details
Balance: $500 - $24,999
Sarasota 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
6 Month Bonus CD
$0
4.75%
▲ 1.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.98% above avg
Details
Minimum to Obtain: $500
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
6 month IRA CD
$0
4.10%
▲ 1.33% above national avg
▼
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
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
6 month IRA CD
$0
4.05%
▲ 1.28% above national avg
▼
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
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
6 month CD
$0
4.00%
▲ 1.23% above national avg
▼
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
6 Month HSA CD
$0
4.00%
▲ 1.23% above national avg
▼
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
6 month IRA CD
$0
4.00%
▲ 1.23% above national avg
▼
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 6 month CD
$0
4.00%
▲ 1.23% above national avg
▼
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
6 month CD
$0
3.95%
▲ 1.18% above national avg
▼
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
6 Month HSA CD
$0
3.95%
▲ 1.18% above national avg
▼
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 6 month CD
$0
3.95%
▲ 1.18% above national avg
▼
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%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
6 Month Jumbo Certificate
$0
3.95%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.18% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
6 month CD
$0
3.90%
▲ 1.13% above national avg
▼
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
6 Month HSA CD
$0
3.90%
▲ 1.13% above national avg
▼
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 6 month CD
$0
3.90%
▲ 1.13% above national avg
▼
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
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
1575 S Tamiami Trl, Sarasota, FL 34239
6-Month CD
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Promotional Rate
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
6 Month Share Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
6 Month Youth Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1680 Fruitville Rd, Sarasota, FL 34236
6-Month Certificate of Deposit
$500
3.50%
▲ 0.73% above national avg
▼
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%
1680 Fruitville Rd, Sarasota, FL 34236
6-Month Fixed Rate CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3564 Clark Rd, Sarasota, FL 34231
JUMBO Regular & IRA Certificates - 6 Months
$100,000
3.33%
▲ 0.56% above national avg
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.56% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
6 Month IRA/HSA CD
$500
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.53% above avg
Details
VIP Bonus APY: 3.55%
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3564 Clark Rd, Sarasota, FL 34231
6 Month Certificate
$500
3.22%
▲ 0.45% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.45% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
6 Month Certificate
$0
3.20%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.43% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
6 Month Traditional certificate terms
$100,000
3.20%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.43% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
6 Month Certificate
$0
3.15%
▲ 0.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.38% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
6 Month Traditional certificate terms
$500
3.15%
▲ 0.38% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.38% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
6 Month CD
$500
3.15%
▲ 0.38% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.38% above avg
Details
VIP Bonus APY: 3.40%
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
6 Month Bonus CD
$0
2.75%
▼ 0.02% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.02% below avg
Details
Minimum to Obtain: $500
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
6 Month IRA Certificates
$0
1.50%
▼ 1.27% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.27% below avg
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
6 Month Regular Certificates
$0
1.50%
▼ 1.27% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.27% below avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
6 MONTH CERTIFICATE
$150,000
1.26%
▼ 1.51% below national avg
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.51% below avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
6 MONTH IRA CERT
$150,000
1.26%
▼ 1.51% below national avg
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.51% below avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
6 MONTH CERTIFICATE
$75,000
1.21%
▼ 1.56% below national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.56% below avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
6 MONTH IRA CERT
$75,000
1.21%
▼ 1.56% below national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.56% below avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
6 MONTH CERTIFICATE
$1,000
1.15%
▼ 1.62% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.62% below avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
6 MONTH IRA CERT
$1,000
1.15%
▼ 1.62% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.62% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3450 Clark Rd, Sarasota, FL 34231
6 Month CD
$250
1.00%
▼ 1.77% below national avg
▼
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%
3450 Clark Rd, Sarasota, FL 34231
6 Month Certificate
$0
1.00%
▼ 1.77% below national avg
▼
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
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Regular and IRA: 6 Months
$0
0.16%
▼ 2.61% below national avg
▼
Rate0.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.61% below avg
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Share Certificates - Regular and IRA: 6 Months
$0
0.16%
▼ 2.61% below national avg
▼
Rate0.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.61% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3625 Bee Ridge Rd, Sarasota, FL 34233
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.71% below national avg
▼
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%
3625 Bee Ridge Rd, Sarasota, FL 34233
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.72% below national avg
▼
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.
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.92%
6-month CD
$10,000
4.25%
▲ 1.48% above national avg
▼
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
▼
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
$0
4.15%
▲ 1.38% above national avg
▼
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
▼
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
$0
4.12%
▲ 1.35% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.35% above avg
Details
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
▼
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
▼
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
▼
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.
Sarasota 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
12 Month Online CD
$500
4.35%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.40% above avg
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
1 Year Rising Rate CD
$0
4.25%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
Minimum to Obtain: $500
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
1 Year Rising Rate CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Minimum to Obtain: $500
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
1575 S Tamiami Trl, Sarasota, FL 34239
12-Month CD
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% above avg
Details
Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. Early withdrawal penalty may apply if you withdraw any principal from the CD before the maturity date. Account fees could reduce earnings. Additional terms and conditions apply. Please refer to our Deposit Account Agreement and applicable Schedule of Fees for additional information. Offer cannot be combined with any other promotional rate, bonus rate or special rate offer. BankUnited reserves the right to cancel or modify this offer at any time. Interest rates and APYs displayed are available only for accounts opened in a BankUnited branch. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details. CD will automatically renew at maturity into a standard CD closest in term to the initial term (which may be shorter or longer than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise.
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
12 Month Jumbo Certificate
$0
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.00% above avg
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
1 Year Rising Rate CD
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Minimum to Obtain: $500
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3564 Clark Rd, Sarasota, FL 34231
JUMBO Regular & IRA Certificates - 1 Year
$100,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
12 month IRA CD
$0
3.70%
▲ 0.75% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.75% above avg
Details
Balance: $100,000 and over
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
12 Month Share Certificate
$0
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
12 Month Smart Start Certificate
$0
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
12 Month Youth Certificate
$0
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3564 Clark Rd, Sarasota, FL 34231
1 Year Certificate
$1,000
3.65%
▲ 0.70% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.70% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
12 month CD
$0
3.60%
▲ 0.65% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details
Balance: $100,000 and over
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
12 month HSA CD
$0
3.60%
▲ 0.65% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
12 month IRA CD
$0
3.60%
▲ 0.65% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details
Balance: $25,000 - $99,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 12 month CD
$0
3.60%
▲ 0.65% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details
Balance: $100,000 and over
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
1 Year Rising Rate CD
$0
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Minimum to Obtain: $500
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1680 Fruitville Rd, Sarasota, FL 34236
12-Month Fixed Rate CD
$0
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
12 month CD
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
Details
Balance: $25,000 - $99,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
12 month HSA CD
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
12 month IRA CD
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
Details
Balance: $500 - $24,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 12 month CD
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.55% above avg
Details
Balance: $25,000 - $99,999.99
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
2704 Bee Ridge Rd, Sarasota, FL 34239
12 Months CD
$0
3.45%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.50% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
12 month CD
$0
3.40%
▲ 0.45% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.45% above avg
Details
Balance: $500 - $24,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
12 month HSA CD
$0
3.40%
▲ 0.45% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.45% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 12 month CD
$0
3.40%
▲ 0.45% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.45% above avg
Details
Balance: $500 - $24,999.99
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
12 Month IRA/HSA CD
$500
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.40% above avg
Details
VIP Bonus APY: 3.60%
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1777 Main St, Sarasota, FL 34236
12 Month Certificate of Deposit (CDs)
$0
3.25%
▲ 0.30% above national avg
▼
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.
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
12 Month Traditional certificate terms
$100,000
3.25%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.30% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
12 Month Traditional certificate terms
$500
3.20%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.25% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
12 Month CD
$500
3.20%
▲ 0.25% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.25% above avg
Details
VIP Bonus APY: 3.45%
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
12 MONTH CERTIFICATE
$150,000
2.78%
▼ 0.17% below national avg
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.17% below avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
12 MONTH IRA CERT
$150,000
2.78%
▼ 0.17% below national avg
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.17% below avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
12 MONTH CERTIFICATE
$75,000
2.73%
▼ 0.22% below national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.22% below avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
12 MONTH IRA CERT
$75,000
2.73%
▼ 0.22% below national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.22% below avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
12 MONTH CERTIFICATE
$1,000
2.68%
▼ 0.27% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.27% below avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
12 MONTH IRA CERT
$1,000
2.68%
▼ 0.27% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.27% below avg
Details
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6230 University Pkwy, Sarasota, FL 34240
12 Month Certificate of Deposit
$500
2.00%
▼ 0.95% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.95% below avg
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
12 Month IRA Certificates
$0
1.75%
▼ 1.20% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.20% below avg
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
12 Month Regular Certificates
$0
1.75%
▼ 1.20% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.20% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3625 Bee Ridge Rd, Sarasota, FL 34233
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.44% below national avg
▼
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%
3625 Bee Ridge Rd, Sarasota, FL 34233
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.45% below national avg
▼
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%
3450 Clark Rd, Sarasota, FL 34231
12 Month CD
$250
1.00%
▼ 1.95% below national avg
▼
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%
3450 Clark Rd, Sarasota, FL 34231
12 Month Certificate
$0
1.00%
▼ 1.95% below national avg
▼
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
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Regular and IRA: 12 Months
$0
0.21%
▼ 2.74% below national avg
▼
Rate0.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 2.74% below avg
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Share Certificates - Regular and IRA: 12 Months
$0
0.21%
▼ 2.74% below national avg
▼
Rate0.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 2.74% below avg
Details
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
12 Month Family Legacy Certificate Account
$0
5.00%
▲ 2.05% above national avg
▼
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
▼
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
▼
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
▼
Rate4.33%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.45% above avg
Details
Sarasota 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
18 Month Jumbo Certificate
$0
4.50%
▲ 1.68% above national avg
▼
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%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
18 Month Share Certificate
$0
4.50%
▲ 1.68% above national avg
▼
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%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
18 Month Youth Certificate
$0
4.50%
▲ 1.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.68% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
18 month IRA CD
$0
3.85%
▲ 1.03% above national avg
▼
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.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
18 month CD
$0
3.75%
▲ 0.93% above national avg
▼
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 18 month CD
$0
3.75%
▲ 0.93% above national avg
▼
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.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH CERTIFICATE
$150,000
3.65%
▲ 0.83% above national avg
▼
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%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH IRA CERT
$150,000
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
2704 Bee Ridge Rd, Sarasota, FL 34239
18 Months CD
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.78% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH CERTIFICATE
$75,000
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH IRA CERT
$75,000
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH CERTIFICATE
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.68% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH IRA CERT
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.68% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
18 Month IRA/HSA CD
$500
3.40%
▲ 0.58% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.58% above avg
Details
VIP Bonus APY: 3.65%
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
18 Month Traditional certificate terms
$100,000
3.30%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.48% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
18 Month Traditional certificate terms
$500
3.25%
▲ 0.43% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.43% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
18 Month CD
$500
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.43% above avg
Details
VIP Bonus APY: 3.50%
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
18 Month IRA Certificates
$0
2.00%
▼ 0.82% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 0.82% below avg
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
18 Month Regular Certificates
$0
2.00%
▼ 0.82% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 0.82% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3450 Clark Rd, Sarasota, FL 34231
18 Month CD
$250
1.00%
▼ 1.82% below national avg
▼
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%
3450 Clark Rd, Sarasota, FL 34231
18 Month Certificate
$0
1.00%
▼ 1.82% below national avg
▼
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
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Regular and IRA: 18 Months
$0
0.26%
▼ 2.56% below national avg
▼
Rate0.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 2.56% below avg
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Share Certificates - Regular and IRA: 18 Months
$0
0.26%
▼ 2.56% below national avg
▼
Rate0.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 2.56% below avg
Details
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6230 University Pkwy, Sarasota, FL 34240
18 Month Certificate of Deposit
$500
0.02%
▼ 2.80% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 2.80% below avg
Details
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
▼
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
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
18 Month Business Share Certificate
$0
4.50%
▲ 1.68% above national avg
▼
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
▼
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
$0
4.28%
▲ 1.46% above national avg
▼
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
$0
4.25%
▲ 1.43% above national avg
▼
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
▼
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
$0
4.23%
▲ 1.41% above national avg
▼
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
▼
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
$0
4.15%
▲ 1.33% above national avg
▼
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
$0
4.15%
▲ 1.33% above national avg
▼
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
$0
4.15%
▲ 1.33% above national avg
▼
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
$0
4.10%
▲ 1.28% above national avg
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
$0
4.08%
▲ 1.26% above national avg
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
Rate3.88%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.13% above avg
Details
Sarasota 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$150,000
4.16%
▲ 1.32% above national avg
▼
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%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$150,000
4.16%
▲ 1.32% above national avg
▼
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%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$75,000
4.11%
▲ 1.27% above national avg
▼
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%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$75,000
4.11%
▲ 1.27% above national avg
▼
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%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$1,000
4.06%
▲ 1.22% above national avg
▼
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%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$1,000
4.06%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.22% above avg
Details
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
24 Month Jumbo Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
24 month IRA CD
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
24 month CD
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $500 - $24,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 24 month CD
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $500 - $24,999.99
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
24 Month Share Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
24 Month Youth Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3564 Clark Rd, Sarasota, FL 34231
JUMBO Regular & IRA Certificates - 2 Year
$100,000
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.76% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3564 Clark Rd, Sarasota, FL 34231
2 Year Certificate
$1,000
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.65% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
24 Month IRA/HSA CD
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.56% above avg
Details
VIP Bonus APY: 3.65%
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
24 Month Traditional certificate terms
$100,000
3.35%
▲ 0.51% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.51% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
24 Month Traditional certificate terms
$500
3.30%
▲ 0.46% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.46% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1680 Fruitville Rd, Sarasota, FL 34236
24-Month Fixed Rate CD
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
24 Month CD
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
Details
VIP Bonus APY: 3.50%
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Regular and IRA: 24 Months
$0
2.75%
▼ 0.09% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.09% below avg
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Share Certificates - Regular and IRA: 24 Months
$0
2.75%
▼ 0.09% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.09% below avg
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
24 Month IRA Certificates
$0
2.25%
▼ 0.59% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.59% below avg
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
24 Month Regular Certificates
$0
2.25%
▼ 0.59% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.59% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3450 Clark Rd, Sarasota, FL 34231
24 Month CD
$250
1.00%
▼ 1.84% below national avg
▼
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%
3450 Clark Rd, Sarasota, FL 34231
24 Month Certificate
$0
1.00%
▼ 1.84% below national avg
▼
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
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6230 University Pkwy, Sarasota, FL 34240
2 Year Certificate of Deposit
$500
0.05%
▼ 2.79% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 2.79% below avg
Details
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
▼
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
▼
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
$0
4.25%
▲ 1.41% above national avg
▼
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
▼
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
▼
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
▼
Rate4.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.36% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 24 Month
$0
4.15%
▲ 1.31% above national avg
▼
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
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Interest Frequency: Semi
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month CD
$100,000
4.10%
▲ 1.26% above national avg
▼
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
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.26% 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
▼
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
$0
4.05%
▲ 1.21% above national avg
▼
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
▼
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
▼
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
▼
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
$0
4.00%
▲ 1.16% above national avg
▼
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
$0
4.00%
▲ 1.16% above national avg
▼
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
$0
4.00%
▲ 1.16% above national avg
▼
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
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
▼
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
$0
3.96%
▲ 1.12% above national avg
▼
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
$0
3.96%
▲ 1.12% above national avg
▼
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
$0
3.95%
▲ 1.11% above national avg
▼
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
$0
3.95%
▲ 1.11% above national avg
▼
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
▼
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
Sarasota 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
36 Month Bonus CD
$0
4.50%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.74% above avg
Details
Minimum to Obtain: $500
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
36 Month Jumbo Certificate
$0
4.25%
▲ 1.49% above national avg
▼
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%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
36 Month Share Certificate
$0
4.25%
▲ 1.49% above national avg
▼
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%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
36 Month Youth Certificate
$0
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
3 Year Rising Rate CD
$0
4.00%
▲ 1.24% above national avg
▼
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%
4048 Jenkins Pl, Sarasota, FL 34238
36 Month Bonus CD
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Minimum to Obtain: $500
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
36 months Certificate of Deposit
$1,000
4.00%
▲ 1.24% above national avg
▼
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.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
36 MONTH CERTIFICATE
$150,000
3.91%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.15% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
36 MONTH CERTIFICATE
$75,000
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.09% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
36 MONTH CERTIFICATE
$1,000
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
36 month IRA CD
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $100,000
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
36 month IRA CD
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details
Balance: $25,000
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3564 Clark Rd, Sarasota, FL 34231
JUMBO Regular & IRA Certificates - 3 Year
$100,000
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
36 month CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
36 month IRA CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $500
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
3 Year Rising Rate CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Minimum to Obtain: $500
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
36 month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.74% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
36 Month IRA/HSA CD
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
VIP Bonus APY: 3.75%
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
36 Month Traditional certificate terms
$100,000
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.69% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
36 month CD
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 36 month CD
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.69% above avg
Details
Balance: $100,000 and over
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3564 Clark Rd, Sarasota, FL 34231
3 Year Certificate
$1,000
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.68% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
36 Month Traditional certificate terms
$500
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.64% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 36 month CD
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.59% above avg
Details
Balance: $25,000 - $99,999.99
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
36 Month CD
$500
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
VIP Bonus APY: 3.60%
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 36 month CD
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details
Balance: $500 - $24,999.99
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1680 Fruitville Rd, Sarasota, FL 34236
36-Month Certificate of Deposit
$500
3.20%
▲ 0.44% above national avg
▼
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%
1680 Fruitville Rd, Sarasota, FL 34236
36-Month Fixed Rate CD
$0
3.20%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.44% above avg
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
3 Year Rising Rate CD
$0
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.24% above avg
Details
Minimum to Obtain: $500
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
36 Month IRA Certificates
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.26% below avg
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
36 Month Regular Certificates
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.26% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3450 Clark Rd, Sarasota, FL 34231
3 Year CD
$250
1.00%
▼ 1.76% below national avg
▼
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%
3450 Clark Rd, Sarasota, FL 34231
3 Year Certificate
$0
1.00%
▼ 1.76% below national avg
▼
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
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Regular and IRA: 36 Months
$0
0.36%
▼ 2.40% below national avg
▼
Rate0.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 2.40% below avg
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Share Certificates - Regular and IRA: 36 Months
$0
0.36%
▼ 2.40% below national avg
▼
Rate0.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 2.40% below avg
Details
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6230 University Pkwy, Sarasota, FL 34240
3 Year Certificate of Deposit
$500
0.05%
▼ 2.71% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.71% below avg
Details
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
▼
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
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
▼
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
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.49% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 36 Month
$0
4.20%
▲ 1.44% above national avg
▼
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
▼
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
▼
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
$0
4.15%
▲ 1.39% above national avg
▼
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
▼
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
$0
4.10%
▲ 1.34% above national avg
▼
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
$0
4.06%
▲ 1.30% above national avg
▼
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
▼
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
$0
4.05%
▲ 1.29% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.29% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
36 Month Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
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
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.24% above avg
Details
Interest Frequency: Monthly
Sarasota 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
48 Month Jumbo Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
48 month IRA CD
$0
3.75%
▲ 0.98% above national avg
▼
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%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
48 Month Share Certificate
$0
3.75%
▲ 0.98% above national avg
▼
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%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
48 Month Youth Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
48 month IRA CD
$0
3.70%
▲ 0.93% above national avg
▼
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
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
48 month CD
$0
3.65%
▲ 0.88% above national avg
▼
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
48 month IRA CD
$0
3.65%
▲ 0.88% above national avg
▼
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%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 48 month CD
$0
3.65%
▲ 0.88% above national avg
▼
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
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
48 Month IRA/HSA CD
$500
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
VIP Bonus APY: 3.90%
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH CERTIFICATE
$150,000
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH IRA CERT
$150,000
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
48 month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $25,000 - $99,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 48 month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $25,000 - $99,999.99
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH CERTIFICATE
$75,000
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH IRA CERT
$75,000
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
48 month CD
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $500 - $24,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 48 month CD
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $500 - $24,999.99
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH CERTIFICATE
$1,000
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH IRA CERT
$1,000
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
48 Month Traditional certificate terms
$100,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
48 Month CD
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
VIP Bonus APY: 3.75%
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
48 Month Traditional certificate terms
$500
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.68% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3564 Clark Rd, Sarasota, FL 34231
JUMBO Regular & IRA Certificates - 4 Year
$100,000
3.19%
▲ 0.42% above national avg
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.42% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3564 Clark Rd, Sarasota, FL 34231
4 Year Certificate
$1,000
3.09%
▲ 0.32% above national avg
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.32% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1680 Fruitville Rd, Sarasota, FL 34236
48-Month Certificate of Deposit
$500
3.05%
▲ 0.28% above national avg
▼
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.
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
48 Month IRA Certificates
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.02% below avg
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
48 Month Regular Certificates
$0
2.75%
▼ 0.02% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.02% below avg
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Regular and IRA: 48 Months
$0
0.41%
▼ 2.36% below national avg
▼
Rate0.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.36% below avg
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Share Certificates - Regular and IRA: 48 Months
$0
0.41%
▼ 2.36% below national avg
▼
Rate0.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.36% below avg
Details
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6230 University Pkwy, Sarasota, FL 34240
4 Year Certificate of Deposit
$500
0.15%
▼ 2.62% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.62% below avg
Details
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
▼
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
$0
4.25%
▲ 1.48% above national avg
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 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
$0
3.97%
▲ 1.20% above national avg
▼
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
$0
3.97%
▲ 1.20% above national avg
▼
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
$0
3.95%
▲ 1.18% above national avg
▼
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
$0
3.92%
▲ 1.15% above national avg
▼
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
$0
3.90%
▲ 1.13% above national avg
▼
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
▼
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
$0
3.87%
▲ 1.10% above national avg
▼
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
$0
3.85%
▲ 1.08% above national avg
▼
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
$0
3.85%
▲ 1.08% above national avg
▼
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
$0
3.82%
▲ 1.05% above national avg
▼
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
$0
3.81%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.04% above avg
Details
Balance: 48 Month
Sarasota 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
60 Month Bonus CD
$0
4.50%
▲ 1.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.66% above avg
Details
Minimum to Obtain: $500
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
4048 Jenkins Pl, Sarasota, FL 34238
60 Month Bonus CD
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Minimum to Obtain: $500
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
60 months Certificate of Deposit
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% 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.
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
60 Month Jumbo Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
60 Mo. IRA CD VIP
$0
3.90%
▲ 1.06% above national avg
▼
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%
1790 Main St, Sarasota, FL 34236
60 Month IRA/HSA CD
$500
3.90%
▲ 1.06% above national avg
▼
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%
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
60 month IRA CD
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.01% above avg
Details
Balance: $100,000 and over
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
60 month IRA CD
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Balance: $25,000 - $99,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
60 month CD
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $100,000 and over
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
60 month IRA CD
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $500 - $24,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 60 month CD
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Balance: $100,000 and over
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
60 Month CD
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
VIP Bonus APY: 4.00%
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
60 Month Share Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Suncoast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
4402 Bee Ridge Rd, Sarasota, FL 34233 2502
60 Month Youth Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
60 month CD
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $25,000 - $99,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 60 month CD
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $25,000 - $99,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
60 month CD
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
Balance: $500 - $24,999.99
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3000 Bee Ridge Rd, Sarasota, FL 34239
Business 60 month CD
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
Balance: $500 - $24,999.99
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1790 Main St, Sarasota, FL 34236
3 - 60 Month Certificates of Deposit
$500
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.81% above avg
Details
CD rates vary by term length. Longer terms generally earn higher rates. View the full rate table at lmcu.org/rates to compare current APY and certificate of deposit rates across all terms.
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
60 Month Traditional certificate terms
$100,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.71% above avg
Details
Everence Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3407 Bahia Vista St, Sarasota, FL 34239
60 Month Traditional certificate terms
$500
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.66% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3564 Clark Rd, Sarasota, FL 34231
JUMBO Regular & IRA Certificates - 5 Year
$100,000
3.44%
▲ 0.60% above national avg
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.60% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
60 MONTH CERTIFICATE
$150,000
3.39%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.55% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
60 MONTH IRA CERT
$150,000
3.39%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$150,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.55% above avg
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
3564 Clark Rd, Sarasota, FL 34231
5 Year Certificate
$1,000
3.34%
▲ 0.50% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.50% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
60 MONTH CERTIFICATE
$75,000
3.34%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.50% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
60 MONTH IRA CERT
$75,000
3.34%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.50% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
60 MONTH CERTIFICATE
$1,000
3.29%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.45% above avg
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1558 1st St, Sarasota, FL 34236 8502
60 MONTH IRA CERT
$1,000
3.29%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.45% above avg
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
60 Month IRA Certificates
$0
3.00%
▲ 0.16% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.16% above avg
Details
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
544 S Washington Blvd, Sarasota, FL 34236
60 Month Regular Certificates
$0
3.00%
▲ 0.16% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.16% above avg
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
2704 Bee Ridge Rd, Sarasota, FL 34239
5 Year Certificates of Deposit
$0
1.25%
▼ 1.59% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 1.59% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3450 Clark Rd, Sarasota, FL 34231
5 Year CD
$250
1.00%
▼ 1.84% below national avg
▼
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%
3450 Clark Rd, Sarasota, FL 34231
5 Year Certificate
$0
1.00%
▼ 1.84% below national avg
▼
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
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Regular and IRA: 60 Months
$0
0.46%
▼ 2.38% below national avg
▼
Rate0.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 2.38% below avg
Details
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
3451 Cattlemen Rd, Sarasota, FL 34232
Share Certificates - Regular and IRA: 60 Months
$0
0.46%
▼ 2.38% below national avg
▼
Rate0.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 2.38% below avg
Details
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
▼
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
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
60-Month CD
$500
4.39%
▲ 1.55% above national avg
▼
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
$0
4.35%
▲ 1.51% above national avg
▼
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
$0
4.35%
▲ 1.51% above national avg
▼
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
▼
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
$0
4.28%
▲ 1.44% above national avg
▼
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
▼
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
▼
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
$0
4.23%
▲ 1.39% above national avg
▼
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
▼
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
▼
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
$0
4.10%
▲ 1.26% above national avg
▼
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
▼
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
▼
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
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Sarasota, FL CD Rate Trends
Compare local Sarasota, FL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD FL Avg
2.952%
▲ 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%
Powered by
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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 Sarasota, Florida Savers
$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | FL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 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.
1,693
CD Rates
Tracked in Sarasota, Florida
Tracked in Sarasota, Florida
35 Banks
65 Credit Unions
About Our Sarasota, Florida CD Rate Database
MonitorBankRates tracks 1,693 CD rates from 35 banks and 65 credit unions with locations in Sarasota, 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: Third Federal Savings and Loan offers a CD at 4.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Sarasota, Florida.
How to Find the Best CD Rates in Sarasota, Florida
What to compare when shopping for a CD in Sarasota, Florida
To find the best APYs in Sarasota, Florida, start with credit unions and online-only banks: Sarasota, Florida has 65 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 Sarasota, 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 Sarasota, Florida: 100 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Sarasota, 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 Sarasota, Florida money market rates
Sarasota, Florida Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
29.2%
National avg: 17.3%
Median Individual Earnings
$36,395
National avg: $47,340
Poverty Rate
15.0%
National avg: 11.1%
Unemployment Rate
3.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$107/yr
At FL 12-mo avg 2.952% APY
29.2% 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; a low unemployment rate of 3.6% reflects a strong local economy. At today’s FL 12-month CD average of 2.952%, saving 10% of the local median salary ($3,639/year) and putting it in a CD would earn an additional $107 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 Sarasota, 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 Sarasota, 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 Sarasota, 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 Sarasota, Florida as everywhere in the U.S.
Choosing a CD Term in Sarasota, 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 Sarasota, Florida savers easier access to their funds. For example, Third Federal Savings and Loan is offering its 6 Month Bonus CD at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Third Federal Savings and Loan is offering its 60 Month Bonus CD at 4.50% 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 Sarasota, 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 Sarasota, 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 Sarasota, 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 Sarasota, 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 Sarasota, Florida
Most CDs carry a fixed rate that is locked for the entire term, protecting a Sarasota, 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 Sarasota, Florida
Are CD rates in Sarasota, Florida FDIC insured?
Yes, most established banks in Sarasota, 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 Sarasota, 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 Sarasota, 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 Sarasota, 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 Sarasota, Florida?
Here are recent top rates found for this area:
- Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
- Suncoast Credit Union: 4.50% APY (18 Month Jumbo Certificate)
- 1st Street Credit Union: 4.16% APY (24 MONTH CERTIFICATE)
- Achieva Credit Union: 4.10% APY (6 month IRA CD)
- Midflorida Credit Union: 4.00% APY (36 months Certificate of Deposit)
- BankUnited: 3.95% APY (12-Month CD)
- LMCU Lake Michigan Credit Union: 3.90% APY (60 Mo. IRA CD VIP)
- Publix Employees Federal Credit Union: 3.75% APY (JUMBO Regular & IRA Certificates - 1 Year)
- TrustCo Bank: 3.60% APY (18 Months CD)
- ValleyDirect: 3.55% APY (3-Month Certificate of Deposit)
Rates reflect recent verified offers available in Sarasota, Florida. Last Updated: September 22, 2026
Sarasota, 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 Sarasota, Florida rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
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.
CD Calculators for Sarasota, Florida
Sarasota, Florida CD Calculator
At today’s FL top rate of 4.75% APY, a $10,000 deposit earns $475 in the first year. Enter your amount to see your exact return.
Sarasota, Florida CD LadderFL 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 PenaltyBefore locking into a Sarasota, Florida CD at 4.75% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsFlorida’s average 12-month CD is 2.952% 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 Sarasota, 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 Sarasota, 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 Sarasota, 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
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