CD Rates Clearwater, Florida (FL) for March 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 Clearwater, Florida CD rates include Third Federal Savings and LoanThird Federal Savings and Loan29247 Us Highway 19 N, Clearwater, FL 33761A+5.0 ★Texas Ratio: 1.96% offering 6 Month Bonus CD at 4.75% APY, Achieva Credit UnionAchieva Credit Union2201 Drew St, Clearwater, FL 33765A+5.0 ★Texas Ratio: 1.90% offering 6 month IRA CD at 4.10% APY, EverBankEverBank2530 State Road 580, Clearwater, FL 33761B4.5 ★Texas Ratio: 20.65% offering Business CD 6 month at 3.70% APY, ValleyDirectValleyDirect2605 Enterprise Rd E, Clearwater, FL 33759A+5.0 ★Texas Ratio: 3.76% offering 12-month CD promotion at 3.65% APY, and BankUnitedBankUnited2569 Countryside Blvd, Clearwater, FL 33761A-5.0 ★Texas Ratio: 15.40% offering 6-month CD at 3.65% APY. CD rates as of March 29, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Clearwater, Florida, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 29, 2026
Compare Best CD Rates in Clearwater, Florida & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
2530 State Road 580, Clearwater, FL 33761
Performance? CDs 3 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2605 Enterprise Rd E, Clearwater, FL 33759
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
3 month CD
$500
2.40%
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
28100 Us Highway 19 N, Clearwater, FL 33761
3 Month Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1551 S Belcher Rd, Clearwater, FL 33764
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
3-month online CD
$25,000
4.00%
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
Available for current 3-Month CD clients only:
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
CERTIFICATES OF DEPOSIT 3 Month
$5,000
3.77%
▼
Rate3.70%
Min Deposit$5,000
Min Balance—
UpdatedMar 29, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
3 month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
3 Month IRA Jumbo
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 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—
UpdatedMar 29, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL 32952
Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
815 S Colorado Ave, Stuart, FL 34994
3-Month CD (Certificate of Deposit)
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$750,000
3.15%
▼
Rate3.10%
Min Deposit$750,000
Min Balance—
UpdatedMar 29, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
92 days / 3 month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL 34102
3 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Relationship
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
A penalty may be imposed for early withdrawal.
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
2143 E Semoran Blvd, Apopka, FL 32703
3 Month Millionaire Certificate
$1,000,000
2.55%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedMar 29, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
3-Month Share Certificate
$1,000
2.28%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL 32514 5723
3 month Certificate Account
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL 33322 1611
3 Month Term Certificate
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL 32206 3301
3 Month Certificate
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
3 month Share Certificates
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
3-Month Certificates and IRA Certificates
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 90 Day CD
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
716 W Fletcher Ave, Tampa, FL 33612
90 Day Certificate of Deposits
$0
0.07%
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
1020 John Sims Pkwy E, Niceville, FL 32578
3 Month Certificate of Deposit
$1,000
0.03%
▼
Rate0.03%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
29247 Us Highway 19 N, Clearwater, FL 33761
6 Month Bonus CD
$500
4.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Month 1 APY
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
6 month IRA CD
$100,000
4.10%
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
2530 State Road 580, Clearwater, FL 33761
Business CD 6 month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
2569 Countryside Blvd, Clearwater, FL 33761
6-month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Lock in your guaranteed rate today.
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
2520 Countryside Blvd, Clearwater, FL 33763
6-Month CD
$1,000
3.64%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2605 Enterprise Rd E, Clearwater, FL 33759
6-Month Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1551 S Belcher Rd, Clearwater, FL 33764
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3024 Enterprise Rd E, Clearwater, FL 33759
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
6-Month Certificates and IRA Certificates
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
6-month online CD
$25,000
4.00%
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1390 Brickell Ave, Miami, FL 33131
6 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
9647 Tradeport Dr, Orlando, FL 32827 5361
6-Month Certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
New money only.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
6 Month IRA
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL 33021 5421
6 month term Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
6-Month CD Special
$1,000
3.73%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
6 MONTH CD
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1 Alhambra Plz, Coral Gables, FL 33134
6 Month CD
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
6 Month SaveUP CD Super Jumbo Max
$1,000,000
3.56%
▼
Rate3.50%
Min Deposit$1,000,000
Min Balance—
UpdatedMar 29, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2950 Aventura Blvd, Aventura, FL 33180
New Money CDs 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL 32806 1212
6-Month Jumbo Term Share Certificates
$100,000
3.51%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1050 Lake Sumter Lndg, The Villages, FL 32162
6 Month Certificates of Deposit
$2,500
3.46%
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL 32751
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL 33322 1611
6 Month Term Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL 32952
Share Certificates 6 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
6-Month Term Certificate
$500,000
3.30%
▼
Rate3.25%
Min Deposit$500,000
Min Balance—
UpdatedMar 29, 2026
Details
San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12542 Curley St, San Antonio, FL 33576
IRA CERTIFICATE - 6 MONTH
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL 34102
6 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Non-Relationship
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
3407 Bahia Vista St, Sarasota, FL 34239
6 month Certificate
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL 33617
6-Month Share Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL 32301
6-Month Share Certificate
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 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
6-Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1982 N State Road 7, Margate, FL 33063
6 Month Business CD
$100
2.85%
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL 32514 5723
6 month Certificate Account
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates 6 Month Youth CD
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6611 DUNN AVE, JACKSONVILLE, FL 32218
6 Month Certificate of Deposit
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
6 month Share Certificates
$0
1.91%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL 32534
6 Month Share CD
$500
1.40%
▼
Rate1.39%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
6 MONTH CERTIFICATE
$0
1.26%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
13241 SW 136th St, MIAMI, FL 33186 5822
6 Month Certificate
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL 32703
6 Month Savings Builder Share Certificate*
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
The Warrington Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
4093 Barrancas Ave, Pensacola, FL 32507
Certificate of Deposit 6 Month
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Gold Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
2226 S Congress Ave, Palm Springs, FL 33406 7606
6 Month Share Certificate Account
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Auto Renewable
Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5519 W Hillsborough Ave, Tampa, FL 33634
6 Month Term Share Certificates
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
1020 John Sims Pkwy E, Niceville, FL 32578
6 Month Certificate of Deposit
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2605 Enterprise Rd E, Clearwater, FL 33759
12-month CD promotion
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
New money deposit only
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
2530 State Road 580, Clearwater, FL 33761
Business CD 1 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
12 month CD
$25,000
3.50%
▼
Rate3.44%
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
2520 Countryside Blvd, Clearwater, FL 33763
12-Month CD
$1,000
3.49%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
2569 Countryside Blvd, Clearwater, FL 33761
12-Month CD
$1,000
3.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
29247 Us Highway 19 N, Clearwater, FL 33761
1 Year Rising Rate CD
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
423 Mandalay Ave, Clearwater, FL 33767
12-month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1551 S Belcher Rd, Clearwater, FL 33764
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
28100 Us Highway 19 N, Clearwater, FL 33761
12 Month Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3024 Enterprise Rd E, Clearwater, FL 33759
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Qualifying balance up to $49,000.00
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Youth Advantage - 12 Month Term Super Jumbo Max
$1,000,000
4.08%
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedMar 29, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$1,000,000
4.05%
▼
Rate3.98%
Min Deposit$1,000,000
Min Balance—
UpdatedMar 29, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
12 Month HSA Fixed Rate Certificates
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
12 Month IRA Share Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$10,000 - $49,999.99
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5000 US Highway 1 N, St Augustine, FL 32095 6200
12 Month Bonus Certificates
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Minimum to open & earn dividends: $100,000
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
12 Month IRA
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL 33406 5195
Jumbo 12 Month Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Minimum $75,000
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL 33021 5421
12 month term Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL 32806 1212
12-Month Jumbo Term Share Certificates
$100,000
3.71%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
12 Month Share Certificate
$500
3.70%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
12 MONTH CD
$0
3.67%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
340 Royal Palm Way, Palm Beach, FL 33480
Agility 12-month CD
$1,000
3.66%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
1 year Certificate
$1,000
3.61%
▼
Rate3.56%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2950 Aventura Blvd, Aventura, FL 33180
New Money CDs 12 Month
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL 33617
Jumbo Share Certificates 1-Year Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL 32952
Share Certificates 12 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
306 S Palm Ave, Palatka, FL 32177
1 Year Certificate and IRA Certificates
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
1221 Brickell Ave, Miami, FL 33131
1 year CD and CD IRA1
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
CDs => $100,000
First Bank Clewiston, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
300 E Sugarland Hwy, Clewiston, FL 33440
12 Month Certificates of Deposit (CDs)
$2,500
3.04%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
815 S Colorado Ave, Stuart, FL 34994
12-Month CD (Certificate of Deposit)
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
12 month Share Certificates
$0
2.92%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL 33704
Penalty Free 12-Month CD
$500
2.91%
▼
Rate2.87%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
12 MONTH CERTIFICATE
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1982 N State Road 7, Margate, FL 33063
12 Month Business CD
$100
2.75%
▼
Rate2.72%
Min Deposit$100
Min Balance—
UpdatedMar 29, 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—
UpdatedMar 29, 2026
Details
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1601 Ohio Ave, Lynn Haven, FL 32444 3746
IRA Certificates 12-Month
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL 32514 5723
12 month Certificate Account
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6611 DUNN AVE, JACKSONVILLE, FL 32218
12 Month Certificate of Deposit
$0
2.10%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL 32534
12 Month IRA
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
12-Month Add-On CD
$0
1.74%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
The Warrington Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
4093 Barrancas Ave, Pensacola, FL 32507
Certificate of Deposit 12 Month
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL 32206 3301
12 Month Certificate
$500
1.36%
▼
Rate1.35%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
CD (1 year)a
$0
1.35%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Daily Balances of $100,000.00 and over
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
2530 State Road 580, Clearwater, FL 33761
Performance? CDs 18 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2605 Enterprise Rd E, Clearwater, FL 33759
18-Month Fixed Rate CD
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
18 month CD
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
28100 Us Highway 19 N, Clearwater, FL 33761
18 Month Choice CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
2569 Countryside Blvd, Clearwater, FL 33761
18-Month CD
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
18 Month IRA Share Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
18 Month Market Watch Share Certificate
$500
4.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
18 Month Business CD
$2,500
3.95%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
18 Month IRA Jumbo
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 18 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL 32751
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL 32534
18 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
340 Royal Palm Way, Palm Beach, FL 33480
Agility 18-month CD
$1,000
3.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL 34102
18 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Relationship
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
548 days / 18 month Share Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL 32952
Share Certificates 18 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL 33021 5421
18 month term Share Certificate
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL 33617
18-Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
945 S Orange Ave, Orlando, FL 32806 1212
18-Month Jumbo Term Share Certificates
$100,000
3.09%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
18 month Share Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
18-Month Term Certificate
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
IncredibleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
2512 Skyline Blvd, Cape Coral, FL 33914
18 Month CD
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
103 S Tyndall Pkwy, Panama City, FL 32404 6722
18-Month IRA Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL 32514 5723
18 month Certificate Account
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
18-Month Certificates and IRA Certificates
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1050 Lake Sumter Lndg, The Villages, FL 32162
18 Month Variable IRA
$2,500
1.77%
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1982 N State Road 7, Margate, FL 33063
18 Month Business CD
$100
1.50%
▼
Rate1.49%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5519 W Hillsborough Ave, Tampa, FL 33634
18 Month Term Share Certificates
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
24 month IRA CD
$100,000
3.85%
▼
Rate3.78%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
2530 State Road 580, Clearwater, FL 33761
Performance? CDs 24 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2605 Enterprise Rd E, Clearwater, FL 33759
24-Month Certificate of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
2520 Countryside Blvd, Clearwater, FL 33763
24-Month CD
$1,000
2.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
28100 Us Highway 19 N, Clearwater, FL 33761
24 Month Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
2569 Countryside Blvd, Clearwater, FL 33761
24-Month CD
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 and over
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 24 month
$40,000
3.95%
▼
Rate3.87%
Min Deposit$40,000
Min Balance—
UpdatedMar 29, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
24 Month HSA Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
24 Month IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
24 Month IRA Jumbo
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
24-Month Term Certificate
$500,000
3.80%
▼
Rate3.73%
Min Deposit$500,000
Min Balance—
UpdatedMar 29, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
24-month online CD
$25,000
3.75%
▼
Rate3.68%
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1 Alhambra Plz, Coral Gables, FL 33134
24 Month CD
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Mini-Jumbo Certificate 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Minimum to open & earn dividends: $50,000
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
220 E Nine Mile Rd, Pensacola, FL 32534
24 Month IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5000 US Highway 1 N, St Augustine, FL 32095 6200
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
340 Royal Palm Way, Palm Beach, FL 33480
Agility 24-month CD
$1,000
3.51%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12542 Curley St, San Antonio, FL 33576
IRA CERTIFICATE - 24 MONTH
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL 33322 1611
24 Month Term Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2350 W COMMERCIAL BLVD, FORT LAUDERDALE, FL 33309
Star/IRA Certificates 24 Month
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
24 month CD & IRA CD
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1044 Highway 90, Chipley, FL 32428
24-Month IRA Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2950 Aventura Blvd, Aventura, FL 33180
Online CDs 24 Month
$1,000
3.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Only available to existing Premier customers.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
24 month Share IRA Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL 32952
Share Certificates 24 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
306 S Palm Ave, Palatka, FL 32177
2 Year Certificate and IRA Certificates
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL 32514 5723
24 month Certificate Account
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
24-Month Certificates and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL 33040
24 Month IRA CD
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL 33021 5421
24 month term Share Certificate
$1,000
2.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
103 S Tyndall Pkwy, Panama City, FL 32404 6722
24-Month IRA Certificate
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
2 year Certificate
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL 33777
2-Year Certificate of Deposit (CD)
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1050 Lake Sumter Lndg, The Villages, FL 32162
2 Year Certificates of Deposit
$2,500
1.87%
▼
Rate1.85%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
24-Month CD
$0
1.74%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
CD (2 year)a
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
13241 SW 136th St, MIAMI, FL 33186 5822
2 Year Certificate
$500
1.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL 32206 3301
24 Month Certificate
$500
1.46%
▼
Rate1.45%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Power Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2020 NW 150th Ave, Pembroke Pines, FL 33028 2889
24-Month Certificate
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Eligible for IRA or SEP: Yes
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 2 Year CD
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
1020 John Sims Pkwy E, Niceville, FL 32578
24 Month Certificate of Deposit
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
36 month IRA CD
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
29247 Us Highway 19 N, Clearwater, FL 33761
3 Year Rising Rate CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
2530 State Road 580, Clearwater, FL 33761
Performance? CDs 36 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2605 Enterprise Rd E, Clearwater, FL 33759
36-Month Certificate of Deposit
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
2520 Countryside Blvd, Clearwater, FL 33763
36-Month CD
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
28100 Us Highway 19 N, Clearwater, FL 33761
3 Year Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
2569 Countryside Blvd, Clearwater, FL 33761
36-Month CD
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term Super Jumbo Max
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedMar 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL 33461 3753
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 and over
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
36 MONTH CERTIFICATE
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
36 Month IRA Jumbo
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
36 Month IRA Share Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
CERTIFICATES OF DEPOSIT 36 Month
$5,000
3.77%
▼
Rate3.70%
Min Deposit$5,000
Min Balance—
UpdatedMar 29, 2026
Details
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
36-month online CD
$25,000
3.76%
▼
Rate3.69%
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5000 US Highway 1 N, St Augustine, FL 32095 6200
36 Month Bonus Certificates
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
3-Year Share Certificate
$1,000
3.67%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12542 Curley St, San Antonio, FL 33576
IRA CERTIFICATE - 36 MONTH
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 36 month
$40,000
3.64%
▼
Rate3.58%
Min Deposit$40,000
Min Balance—
UpdatedMar 29, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1 Alhambra Plz, Coral Gables, FL 33134
36 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Standard College Saver Certificates 36-Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Minimum to open & earn dividends: $500
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
36-Month Term Certificate
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
36 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL 32301
3-Year Share Certificate
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24201 Walden Center Dr, Estero, FL 34134
36 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
36 Month Variable Rate Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL 34102
36 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Non-Relationship
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1044 Highway 90, Chipley, FL 32428
36-Month IRA Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15916 N Florida Ave, Lutz, FL 33549
36 Month IRA Certificate Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
36-Month CD
$0
2.83%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
36 month CD & IRA CD
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
First Bank Clewiston, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
300 E Sugarland Hwy, Clewiston, FL 33440
36 Month Certificates of Deposit (CDs)
$2,500
2.78%
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL 32514 5723
36 month Certificate Account
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
36 month Share IRA Certificates
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
36-Month Certificates and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6611 DUNN AVE, JACKSONVILLE, FL 32218
36 Month Certificate of Deposit
$0
2.30%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
306 S Palm Ave, Palatka, FL 32177
3 Year Certificate and IRA Certificates
$0
2.28%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL 33021 5421
36 month term Share Certificate
$1,000
2.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
3 year Certificate
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL 33777
3-Year Certificate of Deposit (CD)
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1050 Lake Sumter Lndg, The Villages, FL 32162
3 Year Certificates of Deposit
$2,500
1.97%
▼
Rate1.95%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL 32206 3301
36 Month Certificate
$500
1.81%
▼
Rate1.80%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
IRA (3 Year)
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
103 S Tyndall Pkwy, Panama City, FL 32404 6722
36-Month IRA Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
13241 SW 136th St, MIAMI, FL 33186 5822
3 Year Certificate
$500
1.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Power Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2020 NW 150th Ave, Pembroke Pines, FL 33028 2889
36-Month Certificate
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Eligible for IRA or SEP: Yes
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 3 Year CD
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
1020 John Sims Pkwy E, Niceville, FL 32578
36 Month Certificate of Deposit
$1,000
0.15%
▼
Rate0.15%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 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%
2530 State Road 580, Clearwater, FL 33761
Performance? CDs 48 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
2605 Enterprise Rd E, Clearwater, FL 33759
48-Month CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
48 month IRA CD
$100,000
1.95%
▼
Rate1.93%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
48 Month IRA Jumbo
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
CERTIFICATES OF DEPOSIT 48 Month
$5,000
3.82%
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5000 US Highway 1 N, St Augustine, FL 32095 6200
48 Month Bonus Certificates
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12542 Curley St, San Antonio, FL 33576
IRA CERTIFICATE - 48 MONTH
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
4-Year Share Certificate
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1 Alhambra Plz, Coral Gables, FL 33134
48 Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Minimum to open & earn dividends: $100,000
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL 34102
48 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Relationship
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL 32751
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
IRA Share Certificates 48 month
$1,000
3.45%
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL 32301
4-Year Share Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24201 Walden Center Dr, Estero, FL 34134
48 Month CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
2143 E Semoran Blvd, Apopka, FL 32703
48 Month Certificates Jumbo Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL 33617
Jumbo Share Certificates 4-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
JUMBO Regular & IRA Certificates 4 Year
$100,000
3.19%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1601 Ohio Ave, Lynn Haven, FL 32444 3746
IRA Certificates 48-Month
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
48 Month Share Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
48 month CD & IRA CD
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
48-Month IRA Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL 33021 5421
48 month term Share Certificate
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
306 S Palm Ave, Palatka, FL 32177
4 Year Certificate and IRA Certificates
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL 33777
4-Year Certificate of Deposit (CD)
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL 32206 3301
48 Month Certificate
$500
1.92%
▼
Rate1.90%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
103 S Tyndall Pkwy, Panama City, FL 32404 6722
48-Month IRA Certificate
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
IRA (4 Year)
$0
1.65%
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
48 Month Business CD
$2,500
1.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Power Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2020 NW 150th Ave, Pembroke Pines, FL 33028 2889
48-Month Certificate
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Eligible for IRA or SEP: Yes
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
2530 State Road 580, Clearwater, FL 33761
3.5-Year Bump Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
2520 Countryside Blvd, Clearwater, FL 33763
60-Month CD
$1,000
3.01%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2201 Drew St, Clearwater, FL 33765
60 month IRA CD
$100,000
1.95%
▼
Rate1.93%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
28100 Us Highway 19 N, Clearwater, FL 33761
5 Year Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
60 Month Term Super Jumbo Max CD
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedMar 29, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 and over
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL 33040
60 Month IRA CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
1421 US Highway 331 S, Defuniak Springs, FL 32435
60 Month IRA Jumbo
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12542 Curley St, San Antonio, FL 33576
IRA CERTIFICATE - 60 MONTH
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL 33406 5195
Jumbo 60 Month Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Minimum $75,000
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
60-month online CD
$25,000
3.76%
▼
Rate3.69%
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1 Alhambra Plz, Coral Gables, FL 33134
60 Month CD
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Minimum to open & earn dividends: $100,000
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
60 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5000 US Highway 1 N, St Augustine, FL 32095 6200
60 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL 33322 1611
60 Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL 32751
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$100,000 Minimum to Earn APY
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
JUMBO Regular & IRA Certificates 5 Year
$100,000
3.44%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
60 MONTH CERTIFICATE
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24201 Walden Center Dr, Estero, FL 34134
60 Month CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
IRA Share Certificates 60 month
$1,000
3.34%
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
1825 days / 60 month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL 34102
60 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Non-Relationship
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL 33027
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL 32952
Share Certificates 60 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3209 E Busch Blvd, Tampa, FL 33612 8737
60 Month Variable Rate Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL 32703
60 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1044 Highway 90, Chipley, FL 32428
60-Month IRA Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
15916 N Florida Ave, Lutz, FL 33549
60 Month IRA Certificate Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
60-Month CD
$0
2.97%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL 32514 5723
60 month Certificate Account
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1615 NW 80th Blvd, Gainesville, FL 32606
60 month CD & IRA CD
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
A penalty may be imposed for early withdrawal.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
60 month Share Certificates
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
60-Month Certificates and IRA Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
60-Month IRA Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Citizens First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1050 Lake Sumter Lndg, The Villages, FL 32162
5 Year Certificates of Deposit
$2,500
2.28%
▼
Rate2.25%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL 33511
5 year Share Certificate
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 29, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
103 S Tyndall Pkwy, Panama City, FL 32404 6722
60-Month IRA Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
8250 Bryan Dairy Rd Ste 150, Largo, FL 33777
5-Year Certificate of Deposit (CD)
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
INB National Association
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
2222 West Swann Avenue, Tampa, FL 33606
CD (5 year)
$0
1.85%
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
13241 SW 136th St, MIAMI, FL 33186 5822
5 Year Certificate
$500
1.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
We Florida Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1982 N State Road 7, Margate, FL 33063
IRA 60 Month CD
$100
1.02%
▼
Rate1.02%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Power Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2020 NW 150th Ave, Pembroke Pines, FL 33028 2889
60-Month Certificate
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Eligible for IRA or SEP: Yes
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.
Clearwater, FL CD Rate Trends
Compare local Clearwater, FL CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — FL Avg
2.402%
▼ 0.789 from last week
Florida 12-month CD rates fell 0.789 points this week to 2.402% APY, down from 3.191% last week.
6-Month CD — FL Avg
1.747%
▼ 1.565 from last week
Florida 6-month CD rates fell 1.565 points this week to 1.747% APY, down from 3.312% last week.
As of Mar 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Clearwater, Florida
Are CD rates in Clearwater, Florida FDIC insured?
Yes, most established banks in Clearwater, 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 Clearwater, 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 Clearwater, 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 Clearwater, 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 Clearwater, Florida?
Here are recent top rates found for this area:
- Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
- Achieva Credit Union: 4.10% APY (6 month IRA CD)
- EverBank: 3.70% APY (Business CD 6 month)
- ValleyDirect: 3.65% APY (12-month CD promotion)
- BankUnited: 3.65% APY (6-month CD)
- BayFirst National Bank: 3.64% APY (6-Month CD)
- Truist: 3.25% APY (12-month CD)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- TD Bank: 1.00% APY (24 Month Certificate of Deposit)
- First Citizens Bank: 0.01% APY (1-year convertible CD)
Rates reflect recent verified offers available in Clearwater, Florida. Last Updated: March 29, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Clearwater, 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 Clearwater, 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: March 29, 2026
