Florida CD rates › 4 yr CDs
✓ 193 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 |
|---|---|---|---|---|
| Raymond James Bank | 4.95% | $1k | Anyone | Min opening deposit $2,000 via brokerage account, $1,000 otherwise |
| Nicolet National Bank | 4.70% | $2.5k | Anyone | Relationship defined as Direct Deposit Checking |
| Anthem Bank & Trust | 4.25% | $100k | Anyone | Semi-annual interest; maturity 07-22-2030 |
| Anthem Bank & Trust | 4.25% | $100k | Anyone | Semi-annual interest; maturity 07-22-2030 (second listing) |
| Anthem Bank & Trust | 4.25% | $100k | Anyone | Semi-annual interest; maturity 07-23-2030 |
| Anthem Bank & Trust | 4.20% | $100k | Anyone | Monthly interest; maturity 07-22-2030 |
| Nicolet National Bank | 4.20% | $2.5k | Anyone | |
| Gulf Coast Business Bank | 4.18% | $5k | Anyone | Minimum $5,000 to open and to obtain APY |
| Anthem Bank & Trust | 4.15% | $100k | Anyone | Semi-annual interest; maturity 07-17-2030 |
| Anthem Bank & Trust | 4.15% | $100k | Anyone | Semi-annual interest; maturity 07-22-2030 |
| Quorum Federal Credit Union online | 4.15% | $100 | Open to all (see page) | |
| Wings Credit Union | 4.10% | $500 | Anyone (via a partner group) | printed term range 48-53 months |
| Community First Credit Union of Florida | 4.08% | $1M | 17 FL counties | Printed term range 48-59 months |
| Transport | 4.06% | $100k | 4 FL counties | $100,000 minimum deposit |
| Anthem Bank & Trust | 4.05% | $100k | Anyone | Semi-annual interest; maturity 07-22-2030 |
| Anthem Bank & Trust | 4.05% | $100k | Anyone | Monthly interest; maturity 07-24-2030 |
| SUMA | 4.03% | $1k | Employer / group members | Early withdrawal penalty: 9 months dividends |
| American Airlines | 4.02% | $1k | Employer / group members | Ladder option 3 |
| American Airlines | 4.02% | $10k | Employer / group members | Ladder option 3 |
| Beal Bank USA | 4.00% | $1k | Anyone | |
| Suncoast | 4.00% | $100k | Regional | Fixed rate |
| Gallup | 4.00% | $50k | Employer / group members | |
| FiCare | 3.95% | $100k | Employer / group members | |
| All In | 3.92% | $100k | 3 FL counties | |
| Lake Michigan | 3.90% | $500 | Regional | VIP bonus rate |
| Dort Financial | 3.90% | $100k | 4 FL counties | |
| All In | 3.87% | $1k | 3 FL counties | |
| RadiFi | 3.85% | $750k | Anyone (via a partner group) | |
| RadiFi | 3.85% | $1M | Anyone (via a partner group) | |
| FiCare | 3.85% | $50k | Employer / group members | |
| Community First Credit Union of Florida | 3.82% | $750k | 17 FL counties | Printed term range 48-59 months |
| Grow Financial | 3.82% | $100k | Employer / group members | 48 - 59 months |
| Northrop Grumman | 3.81% | $2.5k | Employer / group members | |
| Anthem Bank & Trust | 3.80% | $200k | Anyone | Monthly interest; maturity 07-14-2030 |
| Anthem Bank & Trust | 3.80% | $100k | Anyone | Monthly interest; maturity 07-14-2030 |
| Anthem Bank & Trust | 3.80% | $100k | Anyone | Monthly interest; maturity 07-14-2030 (second listing) |
| Dort Financial | 3.80% | $1k | 4 FL counties | |
| Transport | 3.80% | — | 4 FL counties | |
| GTE Financial | 3.76% | $100k | Anyone (via a partner group) | |
| Republic Bank & Trust Company | 3.75% | $1k | Anyone | |
| Suncoast | 3.75% | $500 | Regional | Fixed rate |
| Lake Michigan | 3.75% | $500 | Regional | VIP bonus rate |
| RadiFi | 3.75% | $500k | Anyone (via a partner group) | |
| FiCare | 3.75% | $500 | Employer / group members | |
| Monroe County Teachers | 3.75% | $10k | Employer / group members | |
| Monroe County Teachers | 3.75% | $20k | Employer / group members | |
| Radiant | 3.72% | $1k | 22 FL counties | |
| Addition Financial | 3.71% | $1k | 43 FL counties | Term range 48-59 months |
| Grow Financial | 3.71% | $500 | Employer / group members | 48 - 59 months |
| Commerce Bank & Trust | 3.70% | $500 | Anyone | |
| Alliant Credit Union online | 3.70% | $75k | Open to all (see page) | |
| Eglin | 3.66% | $2.5k | 4 FL counties | |
| Crews Bank & Trust | 3.65% | $500 | Anyone | |
| Space Coast | 3.65% | $500 | 34 FL counties | |
| Lake Michigan | 3.65% | $500 | Regional | |
| First Florida | 3.65% | $1k | Rules not yet verified | |
| Gulf Winds | 3.65% | $500 | 36 FL counties | |
| Tropical Financial | 3.65% | $500 | Rules not yet verified | $500 minimum to open |
| 1st Street | 3.65% | $150k | 3 FL counties | |
| Miami Firefighters | 3.65% | $1k | Employer / group members | |
| Alliant Credit Union online | 3.65% | $1k | Open to all (see page) | |
| 1st Street | 3.60% | $75k | 3 FL counties | |
| PowerNet | 3.60% | $500 | Employer / group members | |
| Community First Credit Union of Florida | 3.56% | $500k | 17 FL counties | Printed term range 48-59 months |
| RadiFi | 3.55% | $250k | Anyone (via a partner group) | |
| Community Credit Union of Florida | 3.55% | $1k | 6 FL counties | |
| Baptist Health South Florida | 3.55% | $50k | Employer / group members | |
| 1st Street | 3.55% | $1k | 3 FL counties | |
| GTE Financial | 3.51% | $500 | Anyone (via a partner group) | |
| Lake Michigan | 3.50% | $500 | Regional | |
| RadiFi | 3.50% | $100k | Anyone (via a partner group) | |
| Baptist Health South Florida | 3.50% | $500 | Employer / group members | Effective October 1st, 2025; early withdrawal penalty 120 days interest |
| San Antonio Citizens | 3.50% | $1k | Rules not yet verified | |
| Pinellas | 3.50% | $500 | 1 FL county | |
| Tru-Fi | 3.50% | — | 3 FL counties | |
| Tru-Fi | 3.50% | $5k | 3 FL counties | |
| Tru-Fi | 3.50% | $25k | 3 FL counties | |
| Tru-Fi | 3.50% | $50k | 3 FL counties | |
| Tru-Fi | 3.50% | $75k | 3 FL counties | |
| Tru-Fi | 3.50% | $100k | 3 FL counties | |
| Everence | 3.50% | $100k | Anyone (via a partner group) | |
| Polish & Slavic | 3.50% | $90k | Employer / group members | |
| Gallup | 3.50% | $10k | Employer / group members | $1,000 tier N/A |
| FAIRWINDS | 3.47% | $1k | Anyone (via a partner group) | |
| Jax Fire | 3.45% | $500 | Employer / group members | |
| Educational | 3.45% | $100k | Employer / group members | |
| Alive | 3.45% | $500 | 5 FL counties | Dividends paid monthly |
| RadiFi | 3.45% | $50k | Anyone (via a partner group) | |
| Baptist Health South Florida | 3.45% | $25k | Employer / group members | |
| Everence | 3.45% | $500 | Anyone (via a partner group) | |
| Crews Bank & Trust | 3.40% | $500 | Anyone | |
| EverBank, National Association | 3.40% | $1k | Anyone | |
| Old Dominion National Bank | 3.40% | $500 | Anyone | |
| Educational | 3.40% | $1k | Employer / group members | |
| Insight | 3.35% | $1M | Anyone (via a partner group) | |
| RadiFi | 3.35% | $500 | Anyone (via a partner group) | |
| RadiFi | 3.35% | $2.5k | Anyone (via a partner group) | |
| RadiFi | 3.35% | $25k | Anyone (via a partner group) | |
| Baptist Health South Florida | 3.35% | $500 | Employer / group members | |
| Coastline | 3.35% | $75k | 5 FL counties | Penalty for early withdrawal. |
| TMH | 3.35% | $1k | Employer / group members | Minimum balance $1,000 to obtain APY; compounded monthly |
| Community First Credit Union of Florida | 3.30% | $250k | 17 FL counties | Printed term range 48-59 months |
| Coastline | 3.30% | $40k | 5 FL counties | Penalty for early withdrawal. |
| Together | 3.30% | $1k | Employer / group members | Household relationship of $25,000 or more |
| Together | 3.30% | $1k | Employer / group members | |
| My Pensacola | 3.30% | $1k | 1 FL county | |
| My Pensacola | 3.30% | — | 1 FL county | Penalty for early withdrawal |
| Community First Credit Union of Florida | 3.25% | $100k | 17 FL counties | Printed term range 48-59 months |
| Insight | 3.25% | $1k | Anyone (via a partner group) | |
| Insight | 3.25% | $100k | Anyone (via a partner group) | |
| Coastline | 3.25% | $1k | 5 FL counties | Penalty for early withdrawal. |
| Pinellas | 3.25% | $500 | 1 FL county | |
| Together | 3.25% | $1k | Employer / group members | |
| TruGrocer | 3.25% | $10k | Employer / group members | |
| Polish & Slavic | 3.25% | $50k | Employer / group members | |
| Trax | 3.20% | $100k | Employer / group members | |
| TruGrocer | 3.20% | $500 | Employer / group members | |
| Publix Employees | 3.19% | $100k | Employer / group members | |
| iTHINK Financial | 3.15% | $1k | 31 FL counties | |
| Florida A&M University | 3.15% | $500 | Employer / group members | |
| Bradesco Bank | 3.11% | $5k | Anyone | |
| Community First Credit Union of Florida | 3.10% | $45k | 17 FL counties | Printed term range 48-59 months |
| First Commerce | 3.10% | — | Anyone (via a partner group) | |
| Tyndall | 3.10% | $1k | Rules not yet verified | |
| Publix Employees | 3.09% | $1k | Employer / group members | |
| Valley National Bank | 3.05% | $500 | Anyone | |
| Community First Credit Union of Florida | 3.05% | $500 | 17 FL counties | Printed term range 48-59 months |
| Ocala Community | 3.05% | $500 | 1 FL county | Includes IRA CD |
| Ocala Community | 3.05% | $5k | 1 FL county | Includes IRA CD |
| Ocala Community | 3.05% | $50k | 1 FL county | Includes IRA CD |
| Ocala Community | 3.05% | $100k | 1 FL county | Includes IRA CD |
| Faith Connection | 3.04% | $1k | Employer / group members | |
| Ally Bank online | 3.00% | — | Anyone | Rate can be raised twice; no minimum deposit |
| Trax | 3.00% | $500 | Employer / group members | |
| Panhandle | 3.00% | — | 7 FL counties | |
| Tampa Bay | 3.00% | $500 | Anyone (via a partner group) | |
| Tampa Bay | 3.00% | $50k | Anyone (via a partner group) | |
| Tampa Bay | 3.00% | $100k | Anyone (via a partner group) | |
| City-County Employees | 3.00% | $500 | Anyone (via a partner group) | Interest paid monthly |
| Polish & Slavic | 3.00% | $500 | Employer / group members | |
| American Airlines | 2.99% | $1k | Employer / group members | $1,000.00 minimum balance tier |
| American Airlines | 2.99% | $10k | Employer / group members | $10,000.00 minimum balance tier |
| Loyalty | 2.92% | — | Rules not yet verified | |
| ECU | 2.90% | $5k | 6 FL counties | CD minimum balance $5,000 |
| MIDFLORIDA | 2.75% | $1k | Regional | |
| PenAir | 2.75% | — | 1 FL county | |
| Members First Credit Union of Florida | 2.75% | $500 | 3 FL counties | One rate bump-up allowed |
| Tampa Postal | 2.75% | $500 | Employer / group members | |
| Credit Union 1 | 2.75% | $1k | Anyone (via a partner group) | |
| Credit Union 1 | 2.75% | $10k | Anyone (via a partner group) | |
| Credit Union 1 | 2.75% | $1k | Anyone (via a partner group) | Business rates as of last dividend declaration date July 29, 2026 |
| Credit Union 1 | 2.75% | $10k | Anyone (via a partner group) | Business rates as of last dividend declaration date July 29, 2026 |
| Banco do Brasil Americas | 2.60% | $100k | Anyone | |
| Bradesco Bank | 2.60% | $500k | Anyone | |
| Bradesco Bank | 2.60% | $250k | Anyone | |
| Bradesco Bank | 2.60% | $100k | Anyone | |
| Unity of Eatonville | 2.52% | $1k | 1 FL county | APR 2.50% |
| Ukrainian | 2.52% | $500 | Employer / group members | |
| Amerant Bank, National Association | 2.50% | $10k | Anyone | |
| Axiom Bank, National Association | 2.50% | $500 | Anyone | |
| Barclays Bank (US Online) online | 2.50% | — | Anyone | No minimum opening balance or deposit required to open |
| Memorial Employees Financial | 2.50% | $1k | Employer / group members | Early withdrawal penalties may apply |
| Memorial Employees Financial | 2.50% | $25k | Employer / group members | Early withdrawal penalties may apply |
| Keys | 2.50% | $500 | 1 FL county | |
| Banco do Brasil Americas | 2.40% | — | Anyone | |
| Desjardins Bank, National Association | 2.27% | $1k | Anyone | |
| Desjardins Bank, National Association | 2.27% | $250k | Anyone | |
| Gala Bank | 2.25% | — | Anyone | |
| Newtek Bank, National Association | 2.00% | $2.5k | Anyone | |
| Blue Coast | 1.95% | $1k | 13 FL counties | |
| Hello | 1.76% | $500 | 8 FL counties | |
| Florida A&M University | 1.75% | $500 | Employer / group members | |
| First Bank | 1.60% | $500 | Anyone | |
| City National Bank | 1.41% | $2.5k | Anyone | |
| Woodforest National Bank | 1.15% | $500 | Anyone | |
| 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 | 1.05% | $1k | Anyone | $1,000 - $9,999.99 |
| First Federal Bank | 1.05% | $10k | Anyone | $10,000 - $24,999.99 |
| First Federal Bank | 1.05% | $25k | Anyone | $25,000 - $49,999.99 |
| United Bank | 1.05% | $500 | Anyone | |
| Wilmington Savings Fund Society, FSB | 0.75% | $2.5k | Anyone | |
| Florida Capital Bank, National Association | 0.55% | $2k | Anyone | Minimum opening balance Personal: $2,000 | Business: $10,000 |
| 1st Source Bank | 0.55% | $500 | Anyone | |
| Sunstate Bank | 0.45% | — | Anyone | |
| BankPlus | 0.45% | $1k | Anyone | Interest credited quarterly |
| FloridaCentral | 0.41% | $500 | Employer / group members | |
| United Southern Bank | 0.30% | $1k | Anyone | |
| United Southern Bank | 0.25% | $1k | Anyone | |
| First-Citizens Bank & Trust Company | 0.15% | $500 | Anyone | |
| First Horizon Bank | 0.10% | — | Anyone |
| Institution | APY | Minimum | Who can open | The catch |
|---|---|---|---|---|
| Northrop Grumman | 3.97% promo | $40k | Employer / group members | Bonus Certificate — Minimum daily balance to earn APY $40,000 |
| iTHINK Financial | 3.25% promo | $25k | 31 FL counties | Special Certificate Account (Premium, $25,000 min) |
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