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CD Rates Valrico, Florida (FL) for April 2026

Content reviewed by
Brian McKay Brian McKay
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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 6, 2026

Current Valrico, Florida CD rates include TruistTruist3511 Bell Shoals Rd, Valrico, FL 33596A+5.0 ★Texas Ratio: 3.63% offering 12-month CD at 3.25% APY, TD BankTD Bank2170 Bloomingdale Ave, Valrico, FL 33596A5.0 ★Texas Ratio: 6.30% offering 3 Year Certificate of Deposit at 1.00% APY, Velocity Community Federal Credit UnionVelocity Community Federal Credit UnionA+5.0 ★Texas Ratio: 2.46% offering Special 6% APY Youth 12-Month Share Certificate at 6.00% APY, Third Federal Savings and LoanThird Federal Savings and LoanA+5.0 ★Texas Ratio: 1.96% offering 6 Month Bonus CD at 4.75% APY, and U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 2.27% offering IRA Certificates 1 Year Starter Add-On at 4.25% APY. CD rates as of April 6, 2026 according to verified data from MonitorBankRates.

Valrico has 7 local institutions in our database, with CD rates as high as 3.25% APY from Truist at 3511 Bell Shoals Rd, Valrico, FL 33596. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Florida area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 6, 2026

Compare Best CD Rates in Valrico, Florida & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2170 Bloomingdale Ave, Valrico, FL 33596
3 Month Choice CD
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details

Relationship APY

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3-month online CD
$25,000
4.00%
View
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedApr 6, 2026
Details

Available for current 3-Month CD clients only:

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificates of Deposit
$5,000
3.77%
View
▼
Rate3.70%
Min Deposit$5,000
Min Balance—
UpdatedApr 6, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 month Certificate
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3 month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month CD
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
3 Month Business CD
$2,500
3.50%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 3 Month
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3-Month CD (Certificate of Deposit)
$1,000
3.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3-Month Term Certificate
$750,000
3.15%
View
▼
Rate3.10%
Min Deposit$750,000
Min Balance—
UpdatedApr 6, 2026
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
92 days / 3 month Share Certificate
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
CDARS? CDs 3 month
$0
3.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Funding Limit: $12M

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Non-Relationship

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 and above

Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3 Month Millionaire Certificate
$1,000,000
2.55%
View
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedApr 6, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3 month CD
$500
2.40%
View
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Month Share Certificate
$1,000
2.28%
View
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 month Certificate Account
$0
2.10%
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
View
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3 Month Term Certificate
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Savings Certificates
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
3 Month Certificate
$500
0.75%
View
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3 month Share Certificates
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3 Month Certificates of Deposit
$2,500
0.50%
View
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

Power Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
3-Month Certificate
$500
0.10%
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Eligible for IRA or SEP: No

Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
90 Day Certificate of Deposits
$0
0.07%
View
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
3 Month Certificate of Deposit
$1,000
0.03%
View
▼
Rate0.03%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

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: 1.96%
6 Month Bonus CD
$500
4.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Month 1 APY

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.20%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6 month IRA CD
$100,000
4.10%
View
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Penalty Free 6-Month CD
$500
4.07%
View
▼
Rate3.99%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
6-month online CD
$25,000
4.00%
View
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedApr 6, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate of Deposit (IRA)
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6-Month Certificate
$500
3.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

New money only.

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
6 Month IRA Share Certificate
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
6 Month Certificate
$1,000
3.82%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 month term Share Certificate
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
6-Month CD Special
$1,000
3.73%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 MONTH CD
$0
3.72%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Business CD 6 month
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
6-month CD
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Lock in your guaranteed rate today.

BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
6-Month CD
$1,000
3.64%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
6 Month Certificate
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Early withdrawal penalties may apply.

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6 Month SaveUP CD Super Jumbo Max
$1,000,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 6, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money 6 Month CD
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6-Month Jumbo Term Share Certificates
$100,000
3.51%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Ocean Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
6-Month CD
$2,500
3.50%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

Special promotion. See disclosures at bottom of page.

Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
6 Month Certificates of Deposit
$2,500
3.46%
View
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
6 Month Term Certificate
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 6 Month
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
6-Month Term Certificate
$500,000
3.30%
View
▼
Rate3.25%
Min Deposit$500,000
Min Balance—
UpdatedApr 6, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 6-Month
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Minimum to open & earn dividends: $100,000

Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
6 month Certificate
$100,000
3.20%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
View
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6-Month Share Certificate
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6-Month Share Certificate
$1,000
3.04%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 Month Certificate Accounts
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 6 month
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 and above

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
6 Month Business CD
$100
2.85%
View
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 month Certificate Account
$0
2.20%
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Share Certificates 6 Month Youth CD
$0
2.05%
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 Month Savings Certificates
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6 month Share Certificates
$0
1.91%
View
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6 Month Share CD
$500
1.40%
View
▼
Rate1.39%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Standard CDs
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 MONTH CERTIFICATE
$0
1.26%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 Month Certificate
$500
1.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
6 Month Savings Builder Share Certificate*
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

The Warrington Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Certificate of Deposit 6 Month
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Gold Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Student Certificate Accounts 6 Month
$250
0.25%
View
▼
Rate0.25%
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details

Power Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
6-Month Certificate
$500
0.15%
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Eligible for IRA or SEP: No

PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
6 Month Certificate of Deposit
$1,000
0.05%
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3511 Bell Shoals Rd, Valrico, FL 33596
12-month CD
$1,000
3.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2170 Bloomingdale Ave, Valrico, FL 33596
12 Month Choice CD
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details

Relationship APY

Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
Special 6% APY Youth 12-Month Share Certificate
$0
6.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifying balance up to $1,000

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12 Month CD
$1,000
4.20%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
12 Month Certificate
$500
4.08%
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12-Month Term Certificate
$1,000,000
4.05%
View
▼
Rate3.98%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 6, 2026
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
12 Month HSA Fixed Rate Certificates
$1,000
4.03%
View
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
12-month CD
$25,000
4.00%
View
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedApr 6, 2026
Details

Online-only high-yield rates.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$10,000 - $49,999.99

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Jumbo Share Certificates 12 month
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Youth Advantage - 12 Month Term Super Jumbo Plus
$750,000
3.82%
View
▼
Rate3.75%
Min Deposit$750,000
Min Balance—
UpdatedApr 6, 2026
Details

COMPASS FINANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificates of Deposit - Limited Time Promotion 12 Month
$100,000
3.80%
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

First Bank (NJ)
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
12-month CD
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
12-Month Jumbo Term Share Certificates
$100,000
3.71%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
12 Month Share Certificate
$500
3.70%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 MONTH CD
$0
3.67%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 12-month CD
$1,000
3.66%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
12-month CD promotion
$500
3.65%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

New money deposit only

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 year Certificate
$0
3.61%
View
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
12 month CD
$100,000
3.60%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Regular 12 Month Certificates
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
12 Month Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Early withdrawal penalties may apply.

BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
12-Month CD
$1,000
3.49%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money 12 Month CD
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
12 month CD & IRA CD
$1,000
3.40%
View
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Promotional Rate: 1-Year
$50,000
3.35%
View
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 6, 2026
Details

Opening Balance Required for Personal or Business is $50,000

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
View
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 1-Year Share Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 12 Month
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
1 Year Rising Rate CD
$0
3.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
1 Year Certificate and IRA Certificates
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
1 year CD and CD IRA1
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

CDs => $100,000

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month Certificates of Deposit (CDs)
$2,500
3.04%
View
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1 Year Certificate Accounts
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
12 month Share Certificates
$0
2.92%
View
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Penalty Free 12-Month CD
$500
2.91%
View
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 MONTH CERTIFICATE
$0
2.78%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
CDARS? CDs 1 year
$0
2.77%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Funding Limit: $12M

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
12 Month Business CD
$100
2.75%
View
▼
Rate2.72%
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo Term Share Certificates 1 Year
$0
2.70%
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
12 Month IRA
$1,000
2.50%
View
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1-Year Certificate of Deposit (CD)
$0
2.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
12 Month Young Adult Building Share Certificate
$0
2.15%
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

SPECIAL Share Certificate Rates

Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Month Certificate of Deposit
$0
2.10%
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
12 Month IRA CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
12-Month Add-On CD
$0
1.74%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

The Warrington Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Certificate of Deposit 12 Month
$0
1.50%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2170 Bloomingdale Ave, Valrico, FL 33596
18 Month Choice CD
$0
1.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Relationship APY

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
18 Month IRA Share Certificate
$0
4.15%
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18-Month CD Term
$1,000
4.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
18 Month Market Watch Share Certificate
$500
4.03%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 and over

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
18 Month Business CD
$2,500
3.95%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Jumbo Share Certificates 18 month
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
View
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month IRA
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 18-month CD
$1,000
3.61%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Relationship

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 MONTH CERTIFICATE
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
548 days / 18 month Share Certificate
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18-Mo. Jumbo Promo. Certificate
$100,000
3.50%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 minimum to open. Offer expires April 20, 2026.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 18 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
18 month IRA CD
$100,000
3.35%
View
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 18 Month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
18 Month Share Certificate Accounts
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
18 month term Share Certificate
$1,000
3.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
18 Month Bump Up Share Certificate
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

SPECIAL Share Certificate Rates

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18-Month Certificate
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18-Month Jumbo Term Share Certificates
$100,000
3.09%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
18 month Share Certificates
$0
3.07%
View
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
18-Month Term Certificate
$100,000
3.05%
View
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

IncredibleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
18 Month CD
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Savings Certificates
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 18-Month
$1,000
2.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

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

Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18-Month IRA Certificate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 month Certificate Account
$0
2.40%
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
18 Month Variable IRA
$2,500
1.77%
View
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
18 Month Business CD
$100
1.50%
View
▼
Rate1.49%
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details

Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Term Share Certificates
$0
0.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
18-Month CD
$1,000
0.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2170 Bloomingdale Ave, Valrico, FL 33596
24 Month Certificate of Deposit
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details

Relationship APY

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24 MONTH CERTIFICATE
$0
4.16%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 and over

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Jumbo Share Certificates 24 month
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
24 Month HSA Fixed Rate Certificates
$1,000
3.93%
View
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
24 Month IRA Share Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
24 month IRA CD
$100,000
3.85%
View
▼
Rate3.78%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
24 Month Certificate
$1,000
3.82%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
24-Month Term Certificate
$500,000
3.80%
View
▼
Rate3.73%
Min Deposit$500,000
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificates of Deposit
$5,000
3.77%
View
▼
Rate3.70%
Min Deposit$5,000
Min Balance—
UpdatedApr 6, 2026
Details

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
24-month online CD
$25,000
3.75%
View
▼
Rate3.68%
Min Deposit$25,000
Min Balance—
UpdatedApr 6, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 24-Month
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Minimum to open & earn dividends: $100,000

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
24 Month CD
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Month IRA
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
24 Month Certificates
$0
3.59%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 24-month CD
$1,000
3.51%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2 Year Certificate Accounts
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
24 Month Certificate
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Early withdrawal penalties may apply.

BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Star/IRA Certificates 24 Month
$0
3.31%
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money 24 Month CD
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
24-Month IRA Certificate
$500
3.29%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
24 Month IRA Certificate Accounts
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 2-Year Share Certificate
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
24 month Share IRA Certificates
$0
3.07%
View
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 24 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24 Month Savings Certificates
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
CDARS? CDs 2 year
$0
2.66%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Funding Limit: $1M

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
24 month Certificate Account
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
24 Month IRA CD
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
24 month term Share Certificate
$1,000
2.30%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24-Month IRA Certificate
$0
2.27%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
24-Month CD
$1,000
2.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
2 Year Share Certificate
$0
2.24%
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

SPECIAL Share Certificate Rates

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
2 year Certificate
$100,000
2.20%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2-Year Certificate of Deposit (CD)
$0
1.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2 Year Certificates of Deposit
$2,500
1.87%
View
▼
Rate1.85%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24-Month CD
$0
1.74%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
CD (2 year)a
$0
1.55%
View
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2 Year Certificate
$500
1.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
24 Month Certificate
$500
1.46%
View
▼
Rate1.45%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Power Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
24-Month Certificate
$500
0.35%
View
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Eligible for IRA or SEP: Yes

OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
UNITY 2 Year CD
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
24 Month Certificate of Deposit
$1,000
0.15%
View
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
24-Month CD
$1,000
0.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2170 Bloomingdale Ave, Valrico, FL 33596
3 Year Certificate of Deposit
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details

Relationship APY

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Adjustable 36 Month Term Super Jumbo Max
$1,000,000
4.18%
View
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 6, 2026
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36-Month CD Term
$1,000
4.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
View
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 MONTH CERTIFICATE
$0
3.91%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
36 Month IRA Share Certificate
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificates of Deposit
$5,000
3.77%
View
▼
Rate3.70%
Min Deposit$5,000
Min Balance—
UpdatedApr 6, 2026
Details

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
36-month online CD
$25,000
3.76%
View
▼
Rate3.69%
Min Deposit$25,000
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Jumbo Share Certificates 36 month
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Year Share Certificate
$1,000
3.67%
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
IRA CERTIFICATE - 36 MONTH
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month IRA
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
View
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 36-Month
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Minimum to open & earn dividends: $100,000

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
36 Month IRA CD
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
36 month CD
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1095 days / 36 month Share Certificate
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
36-Month Term Certificate
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3 Year Rising Rate CD
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
CDARS? CDs 3 year
$0
3.22%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Funding Limit: $0.5M

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
36-Month CD
$500
3.20%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 Month BUMP Share Certificates
$0
3.15%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Non-Relationship

Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
36-Month IRA Certificate
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
36 Month IRA Certificate Accounts
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36-Month CD
$0
2.83%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
36 month CD & IRA CD
$1,000
2.80%
View
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

First Bank Clewiston, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month Certificates of Deposit (CDs)
$2,500
2.78%
View
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
36 Month Savings Certificates
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
36 month Certificate Account
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
36 month Share IRA Certificates
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Regular CDs
$0
2.49%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
36 Month Certificate of Deposit
$0
2.30%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Year Certificate and IRA Certificates
$0
2.28%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Year Certificate Accounts
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 Year Share Certificate
$0
2.24%
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

SPECIAL Share Certificate Rates

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 year Certificate
$100,000
2.20%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
3-Year Certificate of Deposit (CD)
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3 Year Certificates of Deposit
$2,500
1.97%
View
▼
Rate1.95%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
36 Month Certificate
$500
1.81%
View
▼
Rate1.80%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
IRA (3 Year)
$0
1.55%
View
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36-Month IRA Certificate
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Year Certificate
$500
1.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Power Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
36-Month Certificate
$500
0.55%
View
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Eligible for IRA or SEP: Yes

OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
UNITY 3 Year CD
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
36 Month Certificate of Deposit
$1,000
0.15%
View
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
48-Month CD Term
$1,000
4.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
48-Month Term Certificate
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificates of Deposit
$5,000
3.82%
View
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
UpdatedApr 6, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
48 Month IRA CD
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
4-Year Share Certificate
$1,000
3.72%
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
48 Month CD
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 48-Month
$0
3.65%
View
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Minimum to open & earn dividends: $100,000

PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
48 Month Certificate
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Early withdrawal penalties may apply.

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Jumbo Share Certificates 48 month
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
48-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 48 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1460 days / 48 month Share Certificate
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
48 Month Certificates Jumbo Certificate
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 4-Year Share Certificate
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 4 Year
$100,000
3.19%
View
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
48 month IRA CD
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Certificate of Deposit
$500
3.05%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
48 Month Share Certificate
$500
3.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
4 Year Certificate Accounts
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48-Month IRA Certificate
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
48 month term Share Certificate
$1,000
2.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4 Year Share Certificate
$0
2.24%
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

SPECIAL Share Certificate Rates

First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate and IRA Certificates
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
4-Year Certificate of Deposit (CD)
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
48 Month Certificate
$500
1.92%
View
▼
Rate1.90%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48-Month IRA Certificate
$0
1.76%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
IRA (4 Year)
$0
1.65%
View
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
48 Month Business CD
$2,500
1.00%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

Power Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
48-Month Certificate
$500
0.70%
View
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Eligible for IRA or SEP: Yes

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2170 Bloomingdale Ave, Valrico, FL 33596
5 Year Choice CD
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 6, 2026
Details

Relationship APY

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
60 Month Term Super Jumbo Max CD
$1,000,000
4.18%
View
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 6, 2026
Details

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
60-Month CD Term
$1,000
4.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 and over

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
60 Month IRA CD
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$0
3.92%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
IRA CERTIFICATE - 60 MONTH
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificates of Deposit
$5,000
3.82%
View
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
UpdatedApr 6, 2026
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo 60 Month Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Minimum $75,000

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60-month online CD
$25,000
3.76%
View
▼
Rate3.69%
Min Deposit$25,000
Min Balance—
UpdatedApr 6, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Relationship

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Jumbo College Saver Certificates 60-Month
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Minimum to open & earn dividends: $100,000

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
60 Month IRA Share Certificate
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
60 Month Certificate
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Early withdrawal penalties may apply.

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
60 Month Term Certificate
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
60-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

$100,000 Minimum to Earn APY

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Jumbo Share Certificates 60 month
$0
3.45%
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 5 Year
$100,000
3.44%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
3.5-Year Bump Rate CD
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
60 MONTH CERTIFICATE
$0
3.39%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
60 Month CD
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1825 days / 60 month Share Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 60 Month
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
60 month IRA CD
$25,000
3.15%
View
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Month Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
60-Month IRA Certificate
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
60-Month CD
$1,000
3.01%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5 Year Certificate Accounts
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
60-Month CD
$0
2.97%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
60 month Certificate Account
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
60 month CD & IRA CD
$1,000
2.80%
View
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 6, 2026
Details

Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
60 Month Share Certificate Accounts
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
60 month Share Certificates
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
5 Year Certificate and IRA Certificates
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
5 Year Share Certificate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

SPECIAL Share Certificate Rates

Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
5 Year Certificates of Deposit
$2,500
2.28%
View
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 6, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5 year Share Certificate
$100,000
2.20%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 6, 2026
Details

Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60-Month IRA Certificate
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
5-Year Certificate of Deposit (CD)
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
CD (5 year)
$0
1.95%
View
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5 Year Certificate
$500
1.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA 60 Month CD
$100
1.02%
View
▼
Rate1.02%
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Power Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
60-Month Certificate
$500
0.75%
View
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 6, 2026
Details

Eligible for IRA or SEP: Yes

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.

Valrico, FL CD Rate Trends

Compare local Valrico, FL CD rate quotes against the statewide average

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

View Full Florida CD Trends →
12-Month CD — FL Avg
3.206%
▲ 0.395 vs 7 days ago

Florida 12-month CD rates rose 0.395 points over the past 7 days to 3.206% APY.

6-Month CD — FL Avg
3.109%
▲ 0.249 vs 7 days ago

Florida 6-month CD rates rose 0.249 points over the past 7 days to 3.109% APY.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Valrico, Florida

Are CD rates in Valrico, Florida FDIC insured?

Yes, most established banks in Valrico, 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 Valrico, 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 Valrico, 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 Valrico, 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 Valrico, Florida?

Here are recent top rates found for this area:
  • Truist: 3.25% APY (12-month CD)
  • TD Bank: 1.00% APY (3 Month Choice CD)
  • Velocity Community Federal Credit Union: 6.00% APY (Special 6% APY Youth 12-Month Share Certificate)
  • Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
  • U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
  • Blue Coast Federal Credit Union: 4.20% APY (12 Month CD)
  • United Fidelity Bank: 4.20% APY (6-Month CD Term)
  • Community First Credit Union Of Florida: 4.18% APY (60 Month Term Super Jumbo Max CD)
  • 1st Street Credit Union: 4.16% APY (24 MONTH CERTIFICATE)
  • MIAMI FIREFIGHTERS: 4.15% APY (18 Month IRA Share Certificate)
Rates reflect recent verified offers available in Valrico, Florida. Last Updated: April 6, 2026

CD Calculators

CD Calculator
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Withdrawal Penalty
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Methodology & Data Sources

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

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Valrico, Florida. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in FL.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 6, 2026

Valrico, Florida Rates & Resources

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