Florida CD rates › By county › Miami-Dade County › Miami Springs
✓ 3 institutions with branches in Miami Springs · 114 you can open · verified 2026-10-01
Miami Springs is in Miami-Dade County. Banks and online banks are open to anyone; credit unions appear only when their charter covers the county or they are open to all. Rates move; the date above is when we last read each sheet.
| Term | Best local APY | Institution | Minimum | Who can open |
|---|---|---|---|---|
| 3 mo | 0.06% | Wells Fargo Bank, National Association Bank · branch in Miami Springs · 463 FL branches | $2.5k | Anyone |
| 6 mo | 0.06% | Wells Fargo Bank, National Association Bank · branch in Miami Springs · 463 FL branches | $2.5k | Anyone |
| 1 yr | 1.51% | Wells Fargo Bank, National Association Bank · branch in Miami Springs · 463 FL branches | $2.5k | Anyone |
3 mo 4.10% Beal Bank USA · 6 mo 4.40% Quorum Federal Credit Union · 9 mo 4.40% OMB Bank · 1 yr 4.50% Quorum Federal Credit Union · 18 mo 4.65% Raymond James Bank · 2 yr 4.70% Raymond James Bank · 3 yr 4.85% Raymond James Bank · 4 yr 4.95% Raymond James Bank · 5 yr 5.00% Raymond James Bank
Statewide leaders, the same on every city page — banks and online banks take anyone, and these credit unions are open to all. Membership conditions are on each institution's page.
| Institution | Best standard CD | Who can open |
|---|---|---|
| JPMorgan Chase Bank, National Association Bank · branch in Miami Springs · 419 FL branches | 4.00% 7 mo · $100k min | Anyone |
| Wells Fargo Bank, National Association Bank · branch in Miami Springs · 463 FL branches | 1.51% 1 yr · $2.5k min | Anyone |
| Truist Bank Bank · branch in Miami Springs · 441 FL branches | promos only — see page | Anyone |
| Institution | APY | Term | Minimum | The catch |
|---|---|---|---|---|
| Wells Fargo Bank, National Association Bank · branch in Miami Springs · 463 FL branches | 4.25% promo | 11 mo | $5k (cap $2.5M) | 11 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Miami Springs · 463 FL branches | 4.25% promo | 11 mo | $5k (cap $2.5M) | Special Fixed Rate CD (11 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Miami Springs · 463 FL branches | 4.10% promo | 7 mo | $5k (cap $2.5M) | 7 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Miami Springs · 463 FL branches | 4.10% promo | 7 mo | $5k (cap $2.5M) | Special Fixed Rate CD (7 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
| JPMorgan Chase Bank, National Association Bank · branch in Miami Springs · 419 FL branches | 4.00% promo | 7 mo | $100k | CD relationship rate (featured, $100,000 minimum) — Requires qualifying linked Chase personal checking account; not applicable to retirement CDs |
| Wells Fargo Bank, National Association Bank · branch in Miami Springs · 463 FL branches | 4.00% promo | 15 mo | $5k (cap $2.5M) | 15 month Special Fixed Rate CD (Relationship APY) — Max $2.5M · Requires linked checking — Miami/Tampa pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Miami Springs · 463 FL branches | 4.00% promo | 15 mo | $5k (cap $2.5M) | Special Fixed Rate CD (15 month) - Relationship APY — Max $2.5M · Requires linked qualifying checking — Orlando/Jacksonville pricing (varies by location) |
| Wells Fargo Bank, National Association Bank · branch in Miami Springs · 463 FL branches | 3.99% promo | 11 mo | $5k (cap $2.5M) | 11 month Special Fixed Rate CD — Max $2.5M · Renewal term 6 months — Miami/Tampa pricing (varies by location) |
Miami-Dade County · Aventura · Coral Gables · Cutler Bay · Doral · Hialeah · Hialeah Gardens · Homestead · Key Biscayne · Miami · Miami Beach · Miami Gardens · Miami Lakes · Miami Shores · North Miami · North Miami Beach · Palmetto Bay
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