CD Rates Boca Raton, Florida (FL) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Boca Raton, Florida CD rates include Total Direct BankTotal Direct Bank7000 W Palmetto Park Rd, Boca Raton, FL 33433A5.0 ★Texas Ratio: 6.04%Real return: +1.20%APY minus CPI (February 2026) offering 3-month online CD at 4.00% APY, Pacific National BankPacific National Bank4137 North Federal Highway, Boca Raton, FL 33431A+5.0 ★Texas Ratio: 0.22%Real return: +1.15%APY minus CPI (February 2026) offering 6 Month Certificate of Deposit at 3.95% APY, Kinecta Federal Credit UnionKinecta Federal Credit Union1501 W Yamato Rd, Boca Raton, FL 33431 4438A+5.0 ★Texas Ratio: 4.14%Real return: +0.90%APY minus CPI (February 2026) offering 12-Mo. Jumbo Promo. Cert. at 3.70% APY, EverBankEverBank595 S Federal Hwy, Boca Raton, FL 33432B4.5 ★Texas Ratio: 20.65%Real return: +0.90%APY minus CPI (February 2026) offering Business CDs 6 month at 3.70% APY, and United Community BankUnited Community Bank1800 N Military Trl, Boca Raton, FL 33431A+5.0 ★Texas Ratio: 3.01%Real return: +0.85%APY minus CPI (February 2026) offering 6-month CD at 3.65% APY. CD rates as of April 20, 2026 according to verified data from MonitorBankRates.
Boca Raton has 41 local institutions in our database, with CD rates as high as 4.00% APY from Total Direct Bank at 7000 W Palmetto Park Rd, Boca Raton, FL 33433. 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 20, 2026
Compare Best CD Rates in Boca Raton, Florida & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
7000 W Palmetto Park Rd, Boca Raton, FL 33433
3-month online CD
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Available for current 3-Month CD clients only:
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
595 S Federal Hwy, Boca Raton, FL 33432
Performance? CDs 3 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N Federal Hwy, Boca Raton, FL 33432
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
980 North Federal Highway Suite 110 30, Boca Raton, FL 33432
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Annual Percentage Yield (APY). The interest rate and APY are effective as of April 16, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days' interest. For a 6-month term, the penalty is 3 months' interest. For a term from 7-12 months, the penalty is 6 months' interest. For a term of 13 or more months, the penalty is 12 months' interest. Fees could reduce earnings on the account. Additional restrictions may apply.
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2300 Glades Road Suite 120 140 West, Boca Raton, FL 33431
3-Month CD (Certificate of Deposit)
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and above
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
975 S Federal Hwy, Boca Raton, FL 33432
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Early withdrawal penalties may apply
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3-Month Term Certificate
$750,000
3.15%
▼
Rate3.10%
Min Deposit$750,000
Min Balance—
UpdatedApr 20, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
92 days / 3 month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Relationship
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
A penalty may be imposed for early withdrawal.
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 month Certificate Account
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3 Month Term Certificate
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3 month Share Certificates
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
90 Day Certificate of Deposits
$0
0.07%
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
3 Month Certificate of Deposit
$1,000
0.03%
▼
Rate0.03%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
7000 W Palmetto Park Rd, Boca Raton, FL 33433
6-month online CD
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4137 North Federal Highway, Boca Raton, FL 33431
6 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
595 S Federal Hwy, Boca Raton, FL 33432
Business CDs 6 month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1800 N Military Trl, Boca Raton, FL 33431
6-month CD
$2,500
3.65%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Ocean Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
799 North Federal Highway, Boca Raton, FL 33432
6-Month CD
$2,500
3.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Special promotion. See disclosures at bottom of page.
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
980 North Federal Highway Suite 110 30, Boca Raton, FL 33432
6-Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Annual Percentage Yield (APY). The interest rate and APY are effective as of April 16, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days' interest. For a 6-month term, the penalty is 3 months' interest. For a term from 7-12 months, the penalty is 6 months' interest. For a term of 13 or more months, the penalty is 12 months' interest. Fees could reduce earnings on the account. Additional restrictions may apply.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Traditional IRA / Roth IRA Share Certificates 6 month
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and above
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
975 S Federal Hwy, Boca Raton, FL 33432
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
5099 N Federal Hwy, Boca Raton, FL 33431
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Waterfall Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-MONTH CERTIFICATE OF DEPOSIT
$50,000
4.45%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
New money only. New money is defined as money not currently deposited with Waterfall Bank. Fees could reduce earnings. Promotion may end at any time at Waterfall Bank's discretion. Penalties apply for early withdrawal.
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6 month IRA CD
$100,000
4.10%
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
New money only.
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6-Month Certificates and IRA Certificates
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 month term
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
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%
▼
Rate3.50%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
6-Month IRA Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Call for Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6-Month Jumbo Term Share Certificates
$100,000
3.51%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
182 days / 6 month Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 6-Month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 6-Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
6-Month Term Certificate
$50,000
3.10%
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6-Month Share Certificate
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
6 Month Business CD
$100
2.85%
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
6 Month Youth CD Share Certificates
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6 Month Certificate of Deposit
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6 month Share Certificates
$0
1.91%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6 Month Share CD
$500
1.40%
▼
Rate1.39%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 MONTH CERTIFICATE
$0
1.26%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6 Month Certificate
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
The Warrington Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Certificate of Deposit 6 Month
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Term Share Certificates
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
6 Month Certificate of Deposit
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
7000 W Palmetto Park Rd, Boca Raton, FL 33433
12-month CD
$25,000
4.00%
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedApr 20, 2026
Details
Online-only high-yield rates.
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4137 North Federal Highway, Boca Raton, FL 33431
12 Month Certificate of Deposit
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
12-Mo. Jumbo Promo. Cert.
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 min.; Additional terms available.; Offer ends April 20, 2026.
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
595 S Federal Hwy, Boca Raton, FL 33432
Business CDs 1 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N Federal Hwy, Boca Raton, FL 33432
12-Month Fixed Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2300 Glades Road Suite 120 140 West, Boca Raton, FL 33431
12-Month CD (Certificate of Deposit)
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
Jumbo Term Share Certificates 1 Year
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1 S Federal Hwy, Boca Raton, FL 33432
12-month fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
975 S Federal Hwy, Boca Raton, FL 33432
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Early withdrawal penalties may apply
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
21845 Powerline Rd, Boca Raton, FL 33433
12 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Relationship APY
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
5099 N Federal Hwy, Boca Raton, FL 33431
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Qualifying balance up to $49,000.00
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit Teen 12 Month Special
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
*Max Amount $2,500
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12 Month CD
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum balance to open is $1,000 . Dividends compounded/paid monthly
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Youth Advantage - 12 Month Term Super Jumbo Max
$1,000,000
4.08%
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12-Month Term Certificate
$1,000,000
4.05%
▼
Rate3.98%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
12 Month HSA Fixed Rate Certificates
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
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%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$10,000 - $49,999.99
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo 12 Month Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum $75,000
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12 month term
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
12-Month Jumbo Term Share Certificates
$100,000
3.71%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 12 Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 year Certificate
$0
3.61%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
12-Month IRA Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Call for Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
12 Month IRA Certificate Accounts
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
12-Month CD
$1,000
3.49%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
365 days / 12 month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 12 month
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
A penalty may be imposed for early withdrawal.
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 12 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Bank Clewiston, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month Certificates of Deposit (CDs)
$2,500
3.04%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
12 month Share Certificates
$0
2.92%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
12 MONTH CERTIFICATE
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12-Month IRA Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1-Year Certificate of Deposit (CD)
$0
2.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
12 month Certificate Account
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
12 Month Certificate of Deposit
$0
2.10%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1 Year Share Certificate
$0
1.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Warrington Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
Certificate of Deposit 12 Month
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
1 Year Certificate
$500
1.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
18-Mo. Jumbo Promo. Certificate
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Offer ends April 20, 2026.
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
595 S Federal Hwy, Boca Raton, FL 33432
Performance? CDs 18 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
21845 Powerline Rd, Boca Raton, FL 33433
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Relationship APY
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
Share Certificate 18 Month Market Watch
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 18 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Relationship
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
548 days / 18 month Share Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Share Certificates 18 month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
18 month term
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18-Month Jumbo Term Share Certificates
$100,000
3.09%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
18 month Share Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
18-Month Term Certificate
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 month Certificate Account
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18-Month Certificates and IRA Certificates
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
18 Month Business CD
$100
1.50%
▼
Rate1.49%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Term Share Certificates
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
18 Month Certificate of Deposit
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
7000 W Palmetto Park Rd, Boca Raton, FL 33433
24-month online CD
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
595 S Federal Hwy, Boca Raton, FL 33432
Performance? CDs 24 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N Federal Hwy, Boca Raton, FL 33432
24-Month Fixed Rate CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 24 month
$40,000
3.95%
▼
Rate3.87%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
24 Month HSA Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
24 Month IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
24 month IRA CD
$100,000
3.85%
▼
Rate3.78%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
24-Month Term Certificate
$500,000
3.80%
▼
Rate3.73%
Min Deposit$500,000
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 2 Year
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Only available to existing Premier customers.
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2 Year Certificate Accounts
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
24 Month Term Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Star/IRA Certificates 24 Month
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
24-Month IRA Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Call for Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 2-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
24 month Share IRA Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
24 Month Share Certificate Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
2 Year Certificate and IRA Certificates
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
24 month Certificate Account
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24-Month Certificates and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
24 Month IRA CD
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
24 month term
$0
2.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24-Month IRA Certificate
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
24-Month CD
$1,000
2.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
24 Month Certificate of Deposit
$0
2.20%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
2-Year Certificate of Deposit (CD)
$0
1.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2 Year Certificate
$500
1.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
24 Month Certificate of Deposit
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
7000 W Palmetto Park Rd, Boca Raton, FL 33433
36-month online CD
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
595 S Federal Hwy, Boca Raton, FL 33432
Performance? CDs 36 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N Federal Hwy, Boca Raton, FL 33432
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
21845 Powerline Rd, Boca Raton, FL 33433
3 Year Certificate
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 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%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 MONTH CERTIFICATE
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
36 Month IRA Share Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 36 month
$40,000
3.64%
▼
Rate3.58%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
36 month CD
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
36-Month Term Certificate
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 Month BUMP Share Certificates
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Non-Relationship
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
36-Month IRA Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Call for Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
36 Month IRA Certificate Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
36 month CD & IRA CD
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
36-Month CD
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
36 month Certificate Account
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
36 month Share IRA Certificates
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36-Month Certificates and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
36 Month Certificate of Deposit
$0
2.30%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Year Certificate Accounts
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Share Certificates 3 year
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
3-Year Certificate of Deposit (CD)
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36-Month IRA Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
3 Year Certificate
$500
1.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
36 Month Certificate of Deposit
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
595 S Federal Hwy, Boca Raton, FL 33432
Performance? CDs 48 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1 N Federal Hwy, Boca Raton, FL 33432
48-Month CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
48-Month Term Certificate
$750,000
3.85%
▼
Rate3.78%
Min Deposit$750,000
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
48 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Mini-Jumbo College Saver Certificates 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $50,000
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
IRA Share Certificates 48 month
$1,000
3.45%
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1460 days / 48 month Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
48 month IRA CD
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
4 Year Certificate Accounts
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48-Month IRA Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
48 month term
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
4-Year Certificate of Deposit (CD)
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate and IRA Certificates
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48-Month IRA Certificate
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
7000 W Palmetto Park Rd, Boca Raton, FL 33433
60-month online CD
$0
3.76%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
595 S Federal Hwy, Boca Raton, FL 33432
3.5-Year Bump Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Super Jumbo Max 60 Month Term
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum $75,000
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Relationship
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month IRA
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Mini-Jumbo College Saver Certificates 60-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $50,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
60 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
60 Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
60 MONTH CERTIFICATE
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
60-Month Term Certificate
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
IRA Share Certificates 60 month
$1,000
3.34%
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1825 days / 60 month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
60 month IRA CD
$25,000
3.15%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Month Certificate
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
60-Month IRA Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Call for Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
60-Month CD
$1,000
3.01%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5 Year Certificate Accounts
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
60 month Certificate Account
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
60 month CD & IRA CD
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
60 Month Share Certificate Accounts
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
60 month Share Certificates
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60-Month Certificates and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
60-Month IRA Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Share Certificates 5 year
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
5-Year Certificate of Deposit (CD)
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60-Month IRA Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
5 Year Certificate
$500
1.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA 60 Month CD
$100
1.02%
▼
Rate1.02%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Boca Raton, FL CD Rate Trends
Compare local Boca Raton, FL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — FL Avg
2.321%
▼ 0.221 vs 7 days ago
Florida 12-month CD rates fell 0.221 points over the past 7 days to 2.321% APY.
6-Month CD — FL Avg
1.880%
▼ 0.486 vs 7 days ago
Florida 6-month CD rates fell 0.486 points over the past 7 days to 1.880% APY.
As of Apr 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
FL CD Rate Forecast — Next 12 Months
Where are Florida CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
FL 12-Month Avg APY
2.321%
6-Month Forecast
2.321%
Range: 2.12% – 2.47%
12-Month Forecast
2.071%
Range: 1.87% – 2.22%
Powered by
MonitorBankRates
What Your Savings Earn at FL CD Rates Today
Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.
| CD Term | FL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.456% | $72.82 | $145.64 | $364.10 | $728.20 |
| 6-Month CD | 1.880% | $93.99 | $187.97 | $469.93 | $939.85 |
| 12-Month CD | 2.321% | $116.06 | $232.12 | $580.30 | $1,160.60 |
| 18-Month CD | 2.573% | $128.65 | $257.30 | $643.25 | $1,286.50 |
| 24-Month CD | 2.695% | $134.74 | $269.47 | $673.68 | $1,347.35 |
| 36-Month CD | 2.680% | $133.98 | $267.96 | $669.90 | $1,339.80 |
| 48-Month CD | 2.899% | $144.97 | $289.93 | $724.83 | $1,449.65 |
| 60-Month CD | 2.731% | $136.54 | $273.07 | $682.68 | $1,365.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 20, 2026. | |||||
Sample CD Ladder for Boca Raton, Florida Savers
$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | FL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.456% | $72.82 |
| 2 | 6-Month CD | $5,000 | 1.880% | $93.99 |
| 3 | 12-Month CD | $5,000 | 2.321% | $116.06 |
| 4 | 24-Month CD | $5,000 | 2.695% | $134.74 |
| 5 | 36-Month CD | $5,000 | 2.680% | $133.98 |
| Total ($25,000 invested) | $25,000 | 2.206% blended | $551.59/yr | |
Ladder example uses equal $5,000 rungs and Florida average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
89
Institutions
in Boca Raton, Florida
in Boca Raton, Florida
34 Banks
55 Credit Unions
About Our Boca Raton, Florida CD Rate Database
MonitorBankRates tracks CD rates from 34 banks and 55 credit unions with locations in Boca Raton, Florida, plus national online institutions available to Florida residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Total Direct Bank offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Boca Raton, Florida.
How to Find the Best CD Rates in Boca Raton, Florida
What to compare when shopping for a CD in Boca Raton, Florida
To find the best APYs in Boca Raton, Florida, start with credit unions and online-only banks — Boca Raton, Florida has 55 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Boca Raton, Florida
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Boca Raton, Florida — 89 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Boca Raton, Florida savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Boca Raton, Florida money market rates
Boca Raton, Florida Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
24.6%
National avg: 17.3%
Median Individual Earnings
$49,598
National avg: $47,340
Poverty Rate
10.0%
National avg: 11.1%
Unemployment Rate
5.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$115/yr
At FL 12-mo avg 2.321% APY
24.6% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s FL 12-month CD average of 2.321%, saving 10% of the local median salary ($4,959/year) and putting it in a CD would earn an additional $115 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Boca Raton, Florida
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Boca Raton, Florida
Are CD rates in Boca Raton, Florida FDIC insured?
Yes, most established banks in Boca Raton, 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 Boca Raton, 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 Boca Raton, 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 Boca Raton, 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 Boca Raton, Florida?
Here are recent top rates found for this area:
- Total Direct Bank: 4.00% APY (3-month online CD)
- Pacific National Bank: 3.95% APY (6 Month Certificate of Deposit)
- EverBank: 3.70% APY (Business CDs 6 month)
- Kinecta Federal Credit Union: 3.70% APY (12-Mo. Jumbo Promo. Cert.)
- United Community Bank: 3.65% APY (6-month CD)
- ValleyDirect: 3.55% APY (3-Month CD)
- Ocean Bank: 3.50% APY (6-Month CD)
- Wilmington Savings Fund Society (WSFS): 3.50% APY (3-Month CD)
- Seacoast National Bank: 3.25% APY (3-Month CD (Certificate of Deposit))
- Dort Financial Credit Union: 2.70% APY (Jumbo Term Share Certificates 1 Year)
Rates reflect recent verified offers available in Boca Raton, Florida. Last Updated: April 20, 2026
CD Calculators for Boca Raton, Florida
Boca Raton, Florida CD Calculator
At today’s FL top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Boca Raton, Florida CD LadderFL CD rates currently range from 1.456% (3-month) to 2.680% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Boca Raton, Florida CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsFlorida’s average 12-month CD is 2.321% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Boca Raton, 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 Boca Raton, 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 20, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking