Current Brandon, Florida CD rates include Florida West Coast Credit UnionFlorida West Coast Credit Union1225 Millennium Pkwy, Brandon, FL 33511A+5.0 ★Texas Ratio: 1.98% offering 12 Month Certificate at 4.08% APY, Dfcu Financial Credit UnionDfcu Financial Credit Union1314 Oakfield Dr, Brandon, FL 33511A+5.0 ★Texas Ratio: 1.05% offering 3 month Share Certificate at 3.75% APY, ValleyDirectValleyDirect668 Oakfield Dr, Brandon, FL 33511A+5.0 ★Texas Ratio: 3.76% offering 12-month CD promotion at 3.65% APY, Tampa Postal Federal Credit UnionTampa Postal Federal Credit Union959 E Brandon Blvd, Brandon, FL 33511A+5.0 ★Texas Ratio: 2.00% offering 12 Month IRA Certificate Accounts at 3.50% APY, and Trax Federal Credit UnionTrax Federal Credit Union1209 Kingsway Rd, Brandon, FL 33510A+5.0 ★Texas Ratio: 5.81% offering Jumbo Share Certificates 6-Month Share Certificate at 3.30% APY. CD rates as of April 7, 2026 according to verified data from MonitorBankRates.
Brandon has 31 local institutions in our database, with CD rates as high as 4.08% APY from Florida West Coast Credit Union at 1225 Millennium Pkwy, Brandon, FL 33511. 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 7, 2026
Relationship APY
Available for current 3-Month CD clients only:
Funding Limit: $12M
Non-Relationship
$100,000 and above
Eligible for IRA or SEP: No
Month 1 APY
New money only.
Lock in your guaranteed rate today.
Early withdrawal penalties may apply.
$100,000 Minimum to Earn APY
Minimum to open & earn dividends: $100,000
$100,000 and above
Eligible for IRA or SEP: No
New money deposit only
Relationship APY
Qualifying balance up to $1,000
Online-only high-yield rates.
$10,000 - $49,999.99
Opening Balance Required for Personal or Business is $50,000
CDs => $100,000
Funding Limit: $12M
SPECIAL Share Certificate Rates
Relationship APY
$100,000 and over
$100,000 Minimum to Earn APY
Relationship
$100,000 minimum to open. Offer expires April 20, 2026.
SPECIAL Share Certificate Rates
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Relationship APY
$100,000 and over
Minimum to open & earn dividends: $100,000
$100,000 Minimum to Earn APY
Early withdrawal penalties may apply.
Funding Limit: $1M
SPECIAL Share Certificate Rates
Eligible for IRA or SEP: Yes
Relationship APY
$100,000 Minimum to Earn APY
Minimum to open & earn dividends: $100,000
Funding Limit: $0.5M
Non-Relationship
SPECIAL Share Certificate Rates
Eligible for IRA or SEP: Yes
Minimum to open & earn dividends: $100,000
Early withdrawal penalties may apply.
$100,000 Minimum to Earn APY
SPECIAL Share Certificate Rates
Eligible for IRA or SEP: Yes
Relationship APY
$100,000 and over
Minimum $75,000
Relationship
Minimum to open & earn dividends: $100,000
Traditional or Roth plans available; Can be established under a Certificate of Deposit or Insured Money Management Account; Contributions are usually tax deductible; Earn 3.60% APY on balances $500.00+
$100,000 Minimum to Earn APY
A penalty may be imposed for early withdrawal.
SPECIAL Share Certificate Rates
Eligible for IRA or SEP: Yes
Compare local Brandon, 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.
Florida 12-month CD rates fell 0.102 points over the past 7 days to 3.220% APY.
Florida 6-month CD rates fell 0.218 points over the past 7 days to 3.106% APY.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Brandon, 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 Brandon, 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.