Florida CD rates › 1 yr CDs
✓ 329 rates verified 2026-10-01, each from the institution's own posted sheet
Sorted by APY. "Who can open" is the short answer — each institution's page has the full membership rules. Rates move; the date above is when we last read each sheet.
| Institution | APY | Minimum | Who can open | Conditions |
|---|---|---|---|---|
| Quorum Federal Credit Union online | 4.50% | $100 | Open to all (see page) | |
| Raymond James Bank | 4.45% | $1k | Anyone | Min opening deposit $2,000 via brokerage account, $1,000 otherwise |
| Marcus by Goldman Sachs online | 4.40% | $500 | Anyone | Early withdrawal penalty applies |
| Popular Direct online | 4.40% | $10k | Anyone | $10,000 minimum deposit |
| Tropical Financial | 4.40% | $500 | Rules not yet verified | $500 minimum to open |
| Third Federal Savings and Loan Association of Cleveland | 4.35% | $500 | Anyone | Minimum to Open: $500; online CD |
| Pibank, National Association | 4.35% | $1 | Anyone | Must open and fund a linked Pibank Savings account; monthly interest paid to linked savings; no minimum balance required to earn APY; early withdrawal penalty f |
| Beal Bank USA | 4.35% | $1k | Anyone | |
| CIBC National Trust Company | 4.35% | $1k | Anyone | Homepage advertises "Up to 4.35% APY"; footnote states the 4.35% APY is available for a 12 month CD. Online only; 30-day simple interest early withdrawal penalt |
| HSBC Bank USA, National Association | 4.30% | $1k | Anyone | Minimum balance to open account online: $1,000; only available to existing Premier customers |
| HSBC Bank USA, National Association | 4.30% | $1k | Anyone | Accounts opened over telephone or in a Wealth Center |
| CFG Bank online | 4.30% | — | Anyone | Headline promoted rate |
| CFG Bank online | 4.30% | $500 | Anyone | No additional deposits after initial deposit; $500 minimum daily balance |
| Citibank, National Association | 4.25% | $500 | Anyone | Featured CD; APY varies by balance range |
| Barclays Bank (US Online) online | 4.25% | — | Anyone | No minimum opening balance or deposit required to open |
| Space Coast | 4.25% | $500 | 34 FL counties | |
| iTHINK Financial | 4.25% | $1k | 31 FL counties | |
| First Choice | 4.25% | $75k | 7 FL counties | Early withdrawal penalty 180 days interest |
| Gulf Coast Business Bank | 4.24% | $5k | Anyone | Minimum $5,000 to open and to obtain APY |
| All In | 4.23% | $100k | 3 FL counties | |
| Synchrony Bank online | 4.20% | — | Anyone | |
| All In | 4.18% | $1k | 3 FL counties | |
| Gala Bank | 4.15% | — | Anyone | |
| Ally Bank online | 4.15% | — | Anyone | No minimum deposit to open |
| CFG Bank online | 4.15% | $250k | Anyone | IntraFi CDARS program; contact bank to open |
| Alliant Credit Union online | 4.15% | $75k | Open to all (see page) | 12-17 month term |
| TD Bank, National Association | 4.14% | $0.01 | Anyone | |
| TD Bank, National Association | 4.14% | $10k | Anyone | |
| TD Bank, National Association | 4.14% | $50k | Anyone | |
| TD Bank, National Association | 4.14% | $100k | Anyone | |
| Radiant | 4.14% | $1k | 22 FL counties | APY adjusts bi-annually |
| Radiant | 4.14% | $1k | 22 FL counties | |
| Newtek Bank, National Association | 4.10% | $2.5k | Anyone | |
| Navy Federal Credit Union | 4.10% | $100k | Employer / group members | |
| SUMA | 4.10% | $1k | Employer / group members | Early withdrawal penalty: 3 months dividends |
| Alliant Credit Union online | 4.10% | $1k | Open to all (see page) | 12-17 month term |
| Community First Credit Union of Florida | 4.08% | $1M | 17 FL counties | Printed term range 12-17 months |
| Radiant | 4.08% | $50k | 22 FL counties | |
| Florida West Coast | 4.08% | $500 | Employer / group members | Dividend rate 4.00%; $500.00 balance required to earn dividend rate |
| Grow Financial | 4.07% | $100k | Employer / group members | 12 - 17 months |
| Navy Federal Credit Union | 4.05% | $1k | Employer / group members | |
| Navy Federal Credit Union | 4.05% | $20k | Employer / group members | |
| RadiFi | 4.05% | $1M | Anyone (via a partner group) | |
| Blue Coast | 4.05% | $1k | 13 FL counties | |
| Radiant | 4.03% | $1k | 22 FL counties | |
| Transport | 4.01% | $100k | 4 FL counties | $100,000 minimum deposit |
| Nicolet National Bank | 4.00% | $2.5k | Anyone | Relationship defined as Direct Deposit Checking |
| RadiFi | 4.00% | $750k | Anyone (via a partner group) | |
| Partners | 4.00% | $1k | Employer / group members | Minimum balance $1,000 maintained for full term; members 55+ may receive 0.10% APY increase; APY as of October 1, 2026 |
| American Airlines | 4.00% | $1k | Employer / group members | $1,000.00 minimum balance tier |
| American Airlines | 4.00% | $10k | Employer / group members | $10,000.00 minimum balance tier |
| FiCare | 4.00% | $100k | Employer / group members | |
| Jetstream | 4.00% | $500 | 2 FL counties | |
| Jetstream | 4.00% | $50k | 2 FL counties | |
| Jetstream | 4.00% | $5k | 2 FL counties | Golden Eagle members must maintain $10,000 in deposit accounts |
| Pinellas | 4.00% | $500 | 1 FL county | |
| Miami Firefighters | 4.00% | $1k | Employer / group members | |
| Gallup | 4.00% | $50k | Employer / group members | |
| First Choice | 3.99% | $5k | 7 FL counties | Early withdrawal penalty 180 days interest |
| Grow Financial | 3.97% | $500 | Employer / group members | 12 - 17 months |
| Suncoast | 3.95% | $100k | Regional | Fixed rate |
| RadiFi | 3.95% | $500k | Anyone (via a partner group) | |
| Desjardins Bank, National Association | 3.94% | $250k | Anyone | |
| American Airlines | 3.92% | $1k | Employer / group members | Ladder option 2 |
| American Airlines | 3.92% | $1k | Employer / group members | Ladder option 3 |
| American Airlines | 3.92% | $10k | Employer / group members | Ladder option 2 |
| American Airlines | 3.92% | $10k | Employer / group members | Ladder option 3 |
| RadiFi | 3.90% | $250k | Anyone (via a partner group) | |
| FiCare | 3.90% | $50k | Employer / group members | |
| Connect Credit Union | 3.86% | $20k | 31 FL counties | |
| Northrop Grumman | 3.86% | $2.5k | Employer / group members | |
| Stearns Bank National Association | 3.85% | $500 | Anyone | IRA funds eligible; penalty may be imposed for early withdrawal; compounds annually |
| Stearns Bank National Association | 3.85% | $500 | Anyone | Expected Annual % Yield; compounds annually |
| RadiFi | 3.85% | $100k | Anyone (via a partner group) | |
| Coastline | 3.85% | $75k | 5 FL counties | Penalty for early withdrawal. |
| Wings Credit Union | 3.85% | $500 | Anyone (via a partner group) | |
| Community First Credit Union of Florida | 3.82% | $750k | 17 FL counties | Printed term range 12-17 months |
| GTE Financial | 3.82% | $100k | Anyone (via a partner group) | |
| Connect Credit Union | 3.81% | $1k | 31 FL counties | |
| Anthem Bank & Trust | 3.80% | $200k | Anyone | Monthly interest; maturity 07-14-2027 |
| Insight | 3.80% | $1M | Anyone (via a partner group) | |
| FiCare | 3.80% | $500 | Employer / group members | |
| Coastline | 3.80% | $40k | 5 FL counties | Penalty for early withdrawal. |
| Tru-Fi | 3.80% | — | 3 FL counties | |
| Tru-Fi | 3.80% | $5k | 3 FL counties | |
| Tru-Fi | 3.80% | $25k | 3 FL counties | |
| Tru-Fi | 3.80% | $50k | 3 FL counties | |
| Tru-Fi | 3.80% | $75k | 3 FL counties | |
| Tru-Fi | 3.80% | $100k | 3 FL counties | |
| Firefighters First | 3.80% | $1k | Employer / group members | |
| Firefighters First | 3.80% | $50k | Employer / group members | |
| Firefighters First | 3.80% | $100k | Employer / group members | |
| McCoy | 3.76% | $1k | 4 FL counties | |
| McCoy | 3.76% | $5k | 4 FL counties | |
| McCoy | 3.76% | $25k | 4 FL counties | |
| McCoy | 3.76% | $100k | 4 FL counties | |
| Commerce Bank & Trust | 3.75% | $500 | Anyone | |
| Publix Employees | 3.75% | $100k | Employer / group members | |
| Community Credit Union of Florida | 3.75% | $1k | 6 FL counties | |
| Panhandle | 3.75% | — | 7 FL counties | |
| Memorial Employees Financial | 3.75% | $1k | Employer / group members | Early withdrawal penalties may apply |
| Memorial Employees Financial | 3.75% | $25k | Employer / group members | Early withdrawal penalties may apply |
| Coastline | 3.75% | $1k | 5 FL counties | Penalty for early withdrawal. |
| Pinellas | 3.75% | $500 | 1 FL county | |
| City-County Employees | 3.75% | $500 | Anyone (via a partner group) | Interest paid monthly |
| Transport | 3.75% | — | 4 FL counties | |
| Platinum | 3.75% | $1k | Employer / group members | |
| Platinum | 3.75% | $10k | Employer / group members | |
| Platinum | 3.75% | $25k | Employer / group members | |
| Platinum | 3.75% | $100k | Employer / group members | |
| Radiant | 3.71% | $1k | 22 FL counties | |
| Orlando | 3.71% | $100k | Anyone (via a partner group) | |
| JM Associates | 3.71% | $50k | Employer / group members | Minimum $50,000.00 tier |
| Anthem Bank & Trust | 3.70% | $100k | Anyone | Monthly interest; maturity 07-14-2027 |
| Nicolet National Bank | 3.70% | $2.5k | Anyone | |
| Suncoast | 3.70% | $500 | Regional | Fixed rate |
| Suncoast | 3.70% | $50 | Regional | Fixed rate |
| Launch Credit Union | 3.70% | $1k | 9 FL counties | |
| First Florida | 3.70% | $1k | Rules not yet verified | |
| Insight | 3.70% | $1k | Anyone (via a partner group) | |
| Insight | 3.70% | $100k | Anyone (via a partner group) | |
| Tampa Bay | 3.70% | $500 | Anyone (via a partner group) | |
| Tampa Bay | 3.70% | $50k | Anyone (via a partner group) | |
| Tampa Bay | 3.70% | $100k | Anyone (via a partner group) | |
| Desjardins Bank, National Association | 3.69% | $1k | Anyone | |
| Orlando | 3.67% | $1k | Anyone (via a partner group) | |
| All In | 3.66% | $25 | 3 FL counties | Additional funds may be added at any time |
| JM Associates | 3.66% | $1k | Employer / group members | Minimum $1,000.00 tier |
| Anthem Bank & Trust | 3.65% | $200k | Anyone | Monthly interest; maturity 07-14-2027 |
| Anthem Bank & Trust | 3.65% | $100k | Anyone | Monthly interest; maturity 07-14-2027 |
| Anthem Bank & Trust | 3.65% | $200k | Anyone | Monthly interest; maturity 07-14-2027 (second listing) |
| Publix Employees | 3.65% | $1k | Employer / group members | |
| Faith Connection | 3.65% | $1k | Employer / group members | |
| Community First Credit Union of Florida | 3.61% | $500k | 17 FL counties | Printed term range 12-17 months |
| Anthem Bank & Trust | 3.60% | $200k | Anyone | Monthly interest; maturity 07-14-2027 |
| Lake Michigan | 3.60% | $500 | Regional | VIP bonus rate |
| Baptist Health South Florida | 3.60% | $500 | Employer / group members | Effective October 1st, 2025; early withdrawal penalty 30 days interest |
| Dort Financial | 3.60% | $100k | 4 FL counties | |
| Together | 3.60% | $1k | Employer / group members | Household relationship of $25,000 or more |
| Together | 3.60% | $1k | Employer / group members | |
| Loyalty | 3.59% | — | Rules not yet verified | |
| First Bank | 3.56% | $2.5k | Anyone | Rate 3.50%; penalty may be imposed for early withdrawal |
| Addition Financial | 3.56% | $1k | 43 FL counties | Term range 12-23 months |
| GTE Financial | 3.56% | $500 | Anyone (via a partner group) | |
| Crews Bank & Trust | 3.55% | $500 | Anyone | |
| Anthem Bank & Trust | 3.55% | $100k | Anyone | Monthly interest; maturity 07-14-2027 |
| Community South | 3.55% | $500 | 9 FL counties | Dividend rate 3.50% |
| Dort Financial | 3.55% | $1k | 4 FL counties | |
| Together | 3.55% | $1k | Employer / group members | |
| Miami | 3.55% | $10k | Anyone (via a partner group) | |
| Miami | 3.55% | $200 | Anyone (via a partner group) | |
| TruGrocer | 3.51% | $50k | Employer / group members | |
| Valley National Bank | 3.50% | $500 | Anyone | |
| EverBank, National Association | 3.50% | $1k | Anyone | |
| Axiom Bank, National Association | 3.50% | $500 | Anyone | |
| Bradesco Bank | 3.50% | $500k | Anyone | |
| Happen Bank online | 3.50% | $500 | Anyone | |
| Innovations Financial | 3.50% | $1k | 10 FL counties | |
| DFCU Financial | 3.50% | $1k | Regional | |
| DFCU Financial | 3.50% | $25k | Regional | |
| DFCU Financial | 3.50% | $100k | Regional | |
| Broward Healthcare | 3.50% | $50k | 1 FL county | $50,000 minimum balance; early withdrawal penalties apply |
| Tampa Postal | 3.50% | $500 | Employer / group members | |
| Dort Financial | 3.50% | $1k | 4 FL counties | |
| PowerNet | 3.50% | $500 | Employer / group members | |
| Gallup | 3.50% | $10k | Employer / group members | |
| BayFirst National Bank | 3.49% | $1k | Anyone | |
| Okaloosa County Teachers | 3.45% | $1k | 1 FL county | Minimum $1,000.00 required |
| Lake Michigan | 3.45% | $500 | Regional | VIP bonus rate |
| Eglin | 3.45% | $2.5k | 4 FL counties | |
| Innovations Financial | 3.45% | $1k | 10 FL counties | |
| U.S. Postal Service | 3.45% | $250 | Employer / group members | Must have Regular IRA Savings Account |
| Alive | 3.40% | $500 | 5 FL counties | Dividends paid monthly |
| Broward Healthcare | 3.40% | $1k | 1 FL county | $1,000 minimum balance; early withdrawal penalties apply |
| TruGrocer | 3.40% | $10k | Employer / group members | |
| Bradesco Bank | 3.35% | $250k | Anyone | |
| Community First Credit Union of Florida | 3.35% | $250k | 17 FL counties | Printed term range 12-17 months |
| Lake Michigan | 3.35% | $500 | Regional | |
| Baptist Health South Florida | 3.35% | $50k | Employer / group members | |
| Priority | 3.35% | $500 | 6 FL counties | |
| Crews Bank & Trust | 3.30% | $500 | Anyone | |
| Educational | 3.30% | $100k | Employer / group members | |
| Trax | 3.30% | $100k | Employer / group members | |
| Alive | 3.30% | $100 | 5 FL counties | Unlimited add-on deposits until maturity |
| San Antonio Citizens | 3.30% | $1k | Rules not yet verified | |
| TruGrocer | 3.30% | $500 | Employer / group members | |
| Miami | 3.29% | $200 | Anyone (via a partner group) | |
| IncredibleBank | 3.25% | — | Anyone | |
| Bradesco Bank | 3.25% | $5k | Anyone | |
| Old Dominion National Bank | 3.25% | $500 | Anyone | |
| Educational | 3.25% | $1k | Employer / group members | |
| Baptist Health South Florida | 3.25% | $25k | Employer / group members | |
| Tampa Postal | 3.25% | $500 | Employer / group members | |
| Everence | 3.25% | $100k | Anyone (via a partner group) | |
| U.S. Postal Service | 3.25% | $250 | Employer / group members | Rates set monthly |
| Credit Union 1 | 3.25% | $1k | Anyone (via a partner group) | |
| Credit Union 1 | 3.25% | $10k | Anyone (via a partner group) | |
| Credit Union 1 | 3.25% | $1k | Anyone (via a partner group) | Business rates as of last dividend declaration date July 29, 2026 |
| Credit Union 1 | 3.25% | $10k | Anyone (via a partner group) | Business rates as of last dividend declaration date July 29, 2026 |
| FAIRWINDS | 3.24% | $1k | Anyone (via a partner group) | |
| Lake Michigan | 3.20% | $500 | Regional | |
| Eglin | 3.20% | $500 | 4 FL counties | penalty for early withdrawal |
| TMH | 3.20% | $1k | Employer / group members | Minimum balance $1,000 to obtain APY; compounded monthly |
| Everence | 3.20% | $500 | Anyone (via a partner group) | |
| DLP Bank | 3.15% | $1k | Anyone | Minimum deposit to open is $1,000. Penalty for early withdrawal. |
| Baptist Health South Florida | 3.15% | $500 | Employer / group members | |
| Republic Bank & Trust Company | 3.10% | $1k | Anyone | |
| Trax | 3.10% | $500 | Employer / group members | |
| ECU | 3.10% | $5k | 6 FL counties | CD minimum balance $5,000 |
| Banco do Brasil Americas | 3.05% | $100k | Anyone | |
| Community First Credit Union of Florida | 3.05% | $100k | 17 FL counties | Printed term range 12-17 months |
| Jax Fire | 3.04% | $500 | Employer / group members | |
| Bradesco Bank | 3.00% | $100k | Anyone | |
| First Bank | 3.00% | $500 | Anyone | |
| USF Federal Credit Union | 3.00% | $500 | Anyone (via a partner group) | |
| Ocala Community | 3.00% | $500 | 1 FL county | Includes IRA CD |
| Ocala Community | 3.00% | $5k | 1 FL county | Includes IRA CD |
| Ocala Community | 3.00% | $50k | 1 FL county | Includes IRA CD |
| Ocala Community | 3.00% | $100k | 1 FL county | Includes IRA CD |
| Gallup | 3.00% | $1k | Employer / group members | |
| Community First Credit Union of Florida | 2.99% | $45k | 17 FL counties | Printed term range 12-17 months |
| First Choice | 2.96% | $1k | 7 FL counties | Early withdrawal penalty 180 days interest |
| Community First Credit Union of Florida | 2.94% | $500 | 17 FL counties | Printed term range 12-17 months |
| Dade County | 2.92% | $500 | 4 FL counties | |
| RadiFi | 2.85% | $50k | Anyone (via a partner group) | |
| 1st Street | 2.78% | $150k | 3 FL counties | |
| Wilmington Savings Fund Society, FSB | 2.75% | $2.5k | Anyone | |
| Locality Bank | 2.75% | $2.5k | Anyone | Interest rate 2.713%; penalty for early withdrawal |
| RadiFi | 2.75% | $25k | Anyone (via a partner group) | |
| Hello | 2.75% | $500 | 8 FL counties | |
| My Pensacola | 2.75% | $1k | 1 FL county | |
| My Pensacola | 2.75% | — | 1 FL county | Penalty for early withdrawal |
| 1st Street | 2.73% | $75k | 3 FL counties | |
| RadiFi | 2.70% | $2.5k | Anyone (via a partner group) | |
| First Commerce | 2.70% | — | Anyone (via a partner group) | |
| 1st Street | 2.68% | $1k | 3 FL counties | |
| RadiFi | 2.65% | $500 | Anyone (via a partner group) | |
| Banco do Brasil Americas | 2.55% | — | Anyone | |
| PNB Community Bank | 2.50% | $1k | Anyone | |
| Tyndall | 2.50% | $1k | Rules not yet verified | |
| Members First Credit Union of Florida | 2.50% | $500 | 3 FL counties | |
| Members First Credit Union of Florida | 2.50% | — | 3 FL counties | No minimum; add up to $2500 per month |
| Members First Credit Union of Florida | 2.50% | — | 3 FL counties | |
| Santa Rosa County | 2.50% | $1k | 3 FL counties | |
| Emerald Coast | 2.50% | $1k | 2 FL counties | $1,000 minimum for Share Certificates, $250 minimum for IRA Certificates; members 55+ receive additional 0.05% APY |
| Miami Postal Service | 2.50% | $1k | 6 FL counties | |
| BankUnited, National Association | 2.45% | $1k | Anyone | |
| PenAir | 2.35% | — | 1 FL county | |
| Unity of Eatonville | 2.27% | $1k | 1 FL county | APR 2.25% |
| We Florida Financial | 2.25% | $500 | 46 FL counties | |
| We Florida Financial | 2.25% | $50k | 46 FL counties | |
| We Florida Financial | 2.25% | $10k | 46 FL counties | |
| iTHINK Financial | 2.20% | $1k | 31 FL counties | |
| Farmers | 2.10% | — | Employer / group members | |
| City National Bank | 2.02% | $2.5k | Anyone | |
| First-Citizens Bank & Trust Company | 2.00% | $500 | Anyone | |
| Woodforest National Bank | 2.00% | $500 | Anyone | |
| Gulf Winds | 2.00% | $500 | 36 FL counties | |
| Monroe County Teachers | 2.00% | $10k | Employer / group members | |
| Monroe County Teachers | 2.00% | $20k | Employer / group members | |
| MIDFLORIDA | 1.75% | $1k | Regional | |
| Wells Fargo Bank, National Association | 1.51% | $2.5k | Anyone | Same 1.51% relationship APY for all balance tiers — Miami/Jacksonville pricing (varies by location) |
| Florida A&M University | 1.51% | $500 | Employer / group members | |
| Ukrainian | 1.51% | $500 | Employer / group members | |
| Wells Fargo Bank, National Association | 1.50% | $2.5k | Anyone | Same 1.50% APY for all balance tiers $0 to $100,000+ — Miami/Tampa/Jacksonville pricing (varies by location) |
| Wells Fargo Bank, National Association | 1.50% | $2.5k | Anyone | All balance tiers $0-$100,000+ same APY; relationship APY 1.51% — Orlando pricing (varies by location) |
| The Warrington Bank | 1.50% | — | Anyone | |
| Bank of Pensacola | 1.50% | — | Anyone | Early withdrawal penalty equal to 30 days' interest on amount withdrawn |
| Florida A&M University | 1.50% | $500 | Employer / group members | |
| Polish & Slavic | 1.50% | $90k | Employer / group members | |
| Polish & Slavic | 1.35% | $50k | Employer / group members | |
| Republic Bank & Trust Company | 1.25% | $1k | Anyone | |
| University | 1.25% | $500 | Anyone (via a partner group) | |
| Polish & Slavic | 1.20% | $500 | Employer / group members | |
| First Federal Bank | 1.07% | $100k | Anyone | $100,000 and up |
| First Federal Bank | 1.06% | $50k | Anyone | $50,000 - $99,999.99 |
| First Federal Bank | 1.03% | $1k | Anyone | $1,000 - $9,999.99 |
| First Federal Bank | 1.03% | $10k | Anyone | $10,000 - $24,999.99 |
| First Federal Bank | 1.03% | $25k | Anyone | $25,000 - $49,999.99 |
| United Bank | 0.75% | $500 | Anyone | |
| RadiFi | 0.75% | $1k | Anyone (via a partner group) | Printed as '12 or 18 month term' |
| RadiFi | 0.75% | $1.5k | Anyone (via a partner group) | Printed as '12 or 18 month term' |
| Keys | 0.75% | $500 | 1 FL county | |
| RadiFi | 0.60% | $501 | Anyone (via a partner group) | Printed as '12 or 18 month term' |
| RadiFi | 0.50% | $0.01 | Anyone (via a partner group) | Printed as '12 or 18 month term' |
| Harvesters | 0.40% | $500 | 2 FL counties | |
| Gold Coast | 0.40% | $1k | Anyone (via a partner group) | |
| Gold Coast | 0.40% | $250 | Anyone (via a partner group) | |
| Florida Capital Bank, National Association | 0.35% | $2k | Anyone | Minimum opening balance Personal: $2,000 | Business: $10,000 |
| OneUnited Bank | 0.30% | $250k | Anyone | Internet product |
| 1st Source Bank | 0.30% | $500 | Anyone | |
| Sunstate Bank | 0.25% | — | Anyone | |
| OneUnited Bank | 0.25% | $500 | Anyone | Internet product |
| FloridaCentral | 0.21% | $500 | Employer / group members | |
| United Southern Bank | 0.20% | $1k | Anyone | |
| BankPlus | 0.20% | $1k | Anyone | Interest credited quarterly |
| Florida Customs | 0.20% | $500 | Employer / group members | |
| United Southern Bank | 0.15% | $1k | Anyone | |
| First Horizon Bank | 0.10% | — | Anyone | |
| PNB Community Bank | 0.10% | $1k | Anyone | |
| TD Bank, National Association | 0.05% | — | Anyone | |
| Citibank, National Association | 0.05% | $500 | Anyone | 12-month term; one-time full-balance withdrawal allowed |
| Institution | APY | Minimum | Who can open | The catch |
|---|---|---|---|---|
| Pacific National Bank | 4.35% promo | — | Anyone | Certificate of Deposit (online special) — New Money Only; domestic personal accounts opened online |
| HSBC Bank USA, National Association | 4.35% promo | $1k | Anyone | New Money CD — New money required; minimum balance to open online $1,000 |
| CIBC Bank USA | 4.35% promo | $1k (cap $5M) | Anyone | CIBC Agility CD — Featured rate |
| iTHINK Financial | 4.25% promo | $25k | 31 FL counties | Special Certificate Account (Premium, $25,000 min) |
| TD Bank, National Association | 4.15% promo | $0.01 (cap $10k) | Anyone | TD Choice CD Promotional ($0.01-$9,999.99) |
| TD Bank, National Association | 4.15% promo | $10k (cap $50k) | Anyone | TD Choice CD Promotional ($10,000-$49,999.99) |
| TD Bank, National Association | 4.15% promo | $50k (cap $100k) | Anyone | TD Choice CD Promotional ($50,000-$99,999.99) |
| TD Bank, National Association | 4.15% promo | $100k | Anyone | TD Choice CD Promotional ($100,000+) |
| Climate First Bank | 4.15% promo | $500 | Anyone | 12-Month Penalty-Free CD — No penalty for early withdrawals; promotional rate accurate as of 6-11-26 |
| City National Bank | 4.11% promo | $2.5k | Anyone | Special 12-Month Fixed Rate CD — New money required |
| Dade County | 4.10% promo | $500 | 4 FL counties | Share Certificate Promotional — Promotional rates effective as of August 24, 2026; minimum opening balance $500 |
| U.S. Postal Service | 4.10% promo | $1 (cap $1k) | Employer / group members | Starter Certificate (1 Year Add-On) — Capped at $1,000; Add funds throughout term; limit one per member |
| Gallup | 4.10% promo | $1k | Employer / group members | Loyalty CD — Special program terms and restrictions apply |
| Banesco USA | 4.05% promo | $1k | Anyone | Special CD (Continental U.S.) — Continental U.S. clients; new money; minimum opening deposit $1,000 |
| Northrop Grumman | 4.02% promo | $40k | Employer / group members | Bonus Certificate — Minimum daily balance to earn APY $40,000 |
| Amerant Bank, National Association | 4.00% promo | $10k (cap $250k) | Anyone | Certificate of Deposit (Florida) - promotional — Promotional CD offer for Florida residents; must open by 10/09/2026 |
| Compass Financial | 4.00% promo | $100k | 1 FL county | Jumbo Certificate of Deposit - Limited Time Promotion — Limited Time Promotion |
| Gallup | 4.00% promo | $5k | Employer / group members | New Money CD — Special program terms and restrictions apply |
| BankUnited, National Association | 3.95% promo | $1k (cap $250k) | Anyone | CD (Promotional Rate) — Promotional rate; also shown as headline 12-month CD |
| Orlando | 3.80% promo | $500 (cap $500) | Anyone (via a partner group) | Term Share Certificate - Starter Rate — $500 min & max deposit |
| Seacoast National Bank | 3.55% promo | $1k | Anyone | Certificate of Deposit — Minimum opening deposit of $1,000 required. Not available to funds currently on deposit at Seacoast Bank. Special APY applies to initial term only; branch visit |
| Florida Capital Bank, National Association | 3.35% promo | $50k (cap $1M) | Anyone | Promotional CD/IRA (Personal & Business) — Requires $50,000 opening balance; new money only |
| Truist Bank | 3.25% promo | $100k | Anyone | Special CD ($100,000 and above) — Special rate on select new CD accounts; balances $100,000 and above; APY accurate as of 7/28/2026 |
| Guardians | 3.25% promo | $10k | 4 FL counties | Short Term Share Certificate Special — Limited time offer; $10,000 minimum opening deposit; no additional deposits; early withdrawal penalty 90 days interest |
| Gallup | 3.10% promo | $25 | Employer / group members | Save to Win® CD — Special program terms and restrictions apply |
| Manufacturers and Traders Trust Company | 3.00% promo | $1k (cap $1M) | Anyone | M&T Select Certificate of Deposit — Interest rate 2.96%; requires qualifying M&T checking account |
| U.S. Bank National Association | 3.00% promo | $1k (cap $250k) | Anyone | CD Special — New CD Special clients; ZIP 33131 |
Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions