Hialeah, Florida CD Rates Today - Compare Best APYs for July 2026
Brian McKay
Brian McKay
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Current Hialeah, Florida CD rates include Total Direct BankTotal Direct Bank5410 W 16th Ave, Hialeah, FL 33012A5.0 ★Texas Ratio: 6.04%Real return: +1.20%APY minus CPI (February 2026) offering 3-month online CD at 4.00% APY, BankUnitedBankUnited1291 W 49th St, Hialeah, FL 33012A-5.0 ★Texas Ratio: 15.40%Real return: +0.95%APY minus CPI (February 2026) offering 12-Month CD at 3.75% APY, Ocean BankOcean Bank1801 W 4th Ave, Hialeah, FL 33010A+5.0 ★Texas Ratio: 1.17%Real return: +0.70%APY minus CPI (February 2026) offering 6-Month CD at 3.50% APY, Dade County Federal Credit UnionDade County Federal Credit Union1012 W 49th St, Hialeah, FL 33012 3322A+5.0 ★Texas Ratio: 1.54%Real return: +0.27%APY minus CPI (February 2026) offering Share IRA Certificate 24 month at 3.07% APY, and Miami Postal Service Credit UnionMiami Postal Service Credit Union6171 NW 183rd St, Hialeah, FL 33015 6030A+5.0 ★Texas Ratio: 3.48%Real return: -0.30%APY minus CPI (February 2026) offering 12 Months at 2.50% APY. CD rates as of July 11, 2026 according to verified data from MonitorBankRates.
Hialeah has 37 local institutions in our database, with CD rates as high as 4.00% APY from Total Direct Bank at 5410 W 16th Ave, Hialeah, FL 33012. 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: July 11, 2026
Compare Best CD Rates in Hialeah, Florida & the Surrounding Area
Hialeah 3 Month CD Rates
Available for current 3-Month CD clients only. Online-only high-yield rates. The costs we save by operating exclusively online, we pass along to our clients.
Relationship APY 0.06%.
Relationship Interest Rate 0.06%
Relationship APY 0.06%.
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.
Guaranteed rate for 3 months
Penalty for early withdrawal: 3 Months Dividends
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Funding Limit: $12M
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Regular
Regular
Fixed
Hialeah 6 Month CD Rates
Online-only high-yield rates. The costs we save by operating exclusively online, we pass along to our clients.
Special promotion. Must be new money to Ocean Bank. New money is funds not currently on deposit at Ocean Bank. Interest rates may change without notice. Initial CD deposit amount is required to be maintained each day to earn the APY disclosed. There will be a penalty for early withdrawals on CDs. Offer does not apply to IRA CDs. Offer subject to change without notice and subject to change at any time.
Relationship APY 0.06%.
Relationship Interest Rate 0.06%
Relationship Interest Rate 0.06%; Relationship APY 0.06%
Relationship APY 0.06%.
Fixed
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Penalty for early withdrawal: 3 Months Dividends
About 6 Month CD
Exclusively for Premier clients. Funded with New Money. Fixed interest rate until maturity.
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Variable rates and subject to change.
Online CD. For existing Premier customers. Variable rates and subject to change.
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Dividend Rate $50,000 - $99,999.99: 3.64%, Annual Percentage Yield $50,000 - $99,999.99: 3.70%, Dividend Rate $100,000 and over: 3.69%, Annual Percentage Yield $100,000 and over: 3.75%
Rate: 3.59%, APY: 3.65% for $1,000 - $49,999.99; Rate: 3.64%, APY: 3.70% for $50,000 - $99,999.99; Rate: 3.69%, APY: 3.75% for $100,000 and over
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Hialeah 12 Month CD Rates
Online-only high-yield rates. The costs we save by operating exclusively online, we pass along to our clients.
Lock in a competitive rate today and watch your savings grow.
Relationship Interest Rate 1.51%
Relationship Interest Rate 1.50%; Relationship APY 1.51%
Relationship APY 1.51%.
Relationship APY 1.50%.
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Limited time offer, subject to change or termination at any time.
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Online Only.
Rate 4.15% APY*
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Fixed
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Penalty for early withdrawal: 3 Months Dividends
About 12 Month CD
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Variable rates and subject to change.
Exclusively for Premier clients. Funded with New Money. Fixed interest rate until maturity.
Minimum and maximum deposit $500. Rates are effective as of 9/12/2025. Rates are fixed for the term of the Certificate. Unless otherwise disclosed, certificates will automatically be renewed at the rate in effect upon maturity. We will impose a penalty if you withdraw any of the principal balance in your account before the maturity date. The amount of the early withdrawal penalty is based on the term of the account. The amount of these penalties are as follows: Terms of 6 months or less lose 90 days' worth of dividends; and terms greater than 6 months lose 180 days' worth of dividends. The penalty is calculated as a forfeiture of part of the dividend that has been or would be earned on the amount withdrawn. If the account has not yet earned enough dividends or the dividend has already been paid, the penalty will be deducted from the principal. The Annual Percentage Yield disclosed is based on an assumption that dividends will remain in the account until maturity; a withdrawal will reduce earnings. Fees and penalties can reduce earnings on the account. Rates subject to change without notice.
Online CD. For existing Premier customers. Variable rates and subject to change.
Dividend Rate $50,000 - $99,999.99: 3.74%, Annual Percentage Yield $50,000 - $99,999.99: 3.80%, Dividend Rate $100,000 and over: 3.74%, Annual Percentage Yield $100,000 and over: 3.80%
Rate: 3.74%, APY: 3.80% for $1,000 - $49,999.99; Rate: 3.74%, APY: 3.80% for $50,000 - $99,999.99; Rate: 3.74%, APY: 3.80% for $100,000 and over
Hialeah 18 Month CD Rates
Relationship APY: 1.00%
The 18-month Market Watch is currently unavailable for new issuances, renewals from other certificate terms, or term changes. The rate shown applies only to Market Watch Certificates originally opened prior to 01/01/2017. This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.
Featured rate. Online Only.
Minimum balance to earn APY: $100,000, $40,000, $100
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
see details
Dividends Paid Monthly
Compounded Monthly
Compound Frequency: Monthly
Dividends Paid Monthly
1
Hialeah 24 Month CD Rates
Online-only high-yield rates. The costs we save by operating exclusively online, we pass along to our clients.
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Variable rates and subject to change.
Exclusively for Premier clients. Funded with New Money. Fixed interest rate until maturity.
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Online CD. For existing Premier customers. Variable rates and subject to change.
Penalty for early withdrawal: 6 Months Dividends
Call for details
Call for weekly rates and information; $50,000.00 minimum balance required; Early withdrawal penalties apply
Call for weekly rates and information; $1,000.00 minimum balance required; Early withdrawal penalties apply
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Hialeah 36 Month CD Rates
Online-only high-yield rates. The costs we save by operating exclusively online, we pass along to our clients.
Minimum balance to earn APY: $100,000, $40,000, $100
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Penalty for early withdrawal: 9 Months Dividends
Compound Frequency: Monthly
Compounded Monthly
Dividends Paid Monthly
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Minimum balance to earn APY: $100,000, $40,000, $100
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Hialeah 48 Month CD Rates
APY = Annual Percentage Yield. APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Penalty for early withdrawal: 9 Months Dividends
Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
APY = Annual Percentage Yield. APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Compounded Monthly
Compound Frequency: Monthly
APY = Annual Percentage Yield. APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Minimum balance to earn APY: $100,000, $40,000, $100
APY = Annual Percentage Yield. APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
APY = Annual Percentage Yield. APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Dividends Paid Monthly
APY = Annual Percentage Yield. APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
see details
IRA Certificate
Jumbo
Earn 3.05% APY on balances of $500 or more. Account matures in 48 months.
Hialeah 60 Month CD Rates
Online-only high-yield rates. The costs we save by operating exclusively online, we pass along to our clients.
Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Call for weekly rates and information; $50,000.00 minimum balance required; Early withdrawal penalties apply
Penalty for early withdrawal: 9 Months Dividends
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Early withdrawal penalties apply
Call for weekly rates and information; $1,000.00 minimum balance required; Early withdrawal penalties apply
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Compound Frequency: Monthly
Compounded Monthly
Early Withdrawal Penalty: 180 days interest
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
IRA Certificate
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Minimum balance to earn APY: $100,000, $40,000, $100
Dividends Paid Monthly
If the certificate is redeemed prior to maturity date, the penalty shall be equal to all the interest earned on the amount withdrawn prior to the maturity date, or an amount equal to 90 days interest at the certificate rate. The penalty is calculated as a forfeiture of part or all of the interest that has been earned on the account. Fees could reduce the earnings on the account. Advertised rates are subject to change without notice. Federally insured by NCUA.
APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Hialeah, FL CD Rate Trends
Compare local Hialeah, 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 0.212 points over the past 7 days to 2.113% APY.
Florida 6-month CD rates fell 0.605 points over the past 7 days to 1.049% APY.
FL CD Rate Forecast — Next 12 Months
Where are Florida CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 0.805% | $40.27 | $80.53 | $201.33 | $402.65 |
| 6-Month CD | 1.049% | $52.45 | $104.90 | $262.25 | $524.50 |
| 12-Month CD | 2.113% | $105.67 | $211.34 | $528.35 | $1,056.70 |
| 18-Month CD | 2.440% | $122.02 | $244.03 | $610.08 | $1,220.15 |
| 24-Month CD | 2.739% | $136.93 | $273.85 | $684.63 | $1,369.25 |
| 36-Month CD | 2.678% | $133.92 | $267.83 | $669.58 | $1,339.15 |
| 48-Month CD | 2.838% | $141.91 | $283.81 | $709.53 | $1,419.05 |
| 60-Month CD | 2.480% | $123.98 | $247.95 | $619.88 | $1,239.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 11, 2026. | |||||
Sample CD Ladder for Hialeah, 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 | 0.805% | $40.27 |
| 2 | 6-Month CD | $5,000 | 1.049% | $52.45 |
| 3 | 12-Month CD | $5,000 | 2.113% | $105.67 |
| 4 | 24-Month CD | $5,000 | 2.739% | $136.93 |
| 5 | 36-Month CD | $5,000 | 2.678% | $133.92 |
| Total ($25,000 invested) | $25,000 | 1.877% blended | $469.24/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.
Tracked in Hialeah, Florida
About Our Hialeah, Florida CD Rate Database
MonitorBankRates tracks 687 CD rates from 31 banks and 55 credit unions with locations in Hialeah, 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 Hialeah, Florida.
How to Find the Best CD Rates in Hialeah, Florida
What to compare when shopping for a CD in Hialeah, Florida
To find the best APYs in Hialeah, Florida, start with credit unions and online-only banks — Hialeah, 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 Hialeah, 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 Hialeah, Florida — 86 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Hialeah, Florida savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Hialeah, Florida money market rates
Hialeah, Florida Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
20.3% 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 2.113%, saving 10% of the local median salary ($3,279/year) and putting it in a CD would earn an additional $69 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 Hialeah, 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 |
How Certificates of Deposit Work in Hialeah, Florida
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Hialeah, Florida typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Hialeah, Florida as everywhere in the U.S.
Choosing a CD Term in Hialeah, Florida
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Hialeah, Florida savers easier access to their funds. For example, Total Direct Bank is offering its 6-month online CD at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Total Direct Bank is offering its 60-month online CD at 3.76% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Hialeah, Florida Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Hialeah, Florida saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Hialeah, Florida
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Hialeah, Florida CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Hialeah, Florida
Most CDs carry a fixed rate that is locked for the entire term, protecting a Hialeah, Florida depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Hialeah, Florida
Are CD rates in Hialeah, Florida FDIC insured?
Do I have to pay state taxes on CD interest in Hialeah, Florida?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Hialeah, Florida?
- Total Direct Bank: 4.00% APY (3-month online CD)
- BankUnited: 3.75% APY (12-Month CD)
- Ocean Bank: 3.50% APY (6-Month CD)
- Dade County Federal Credit Union: 3.07% APY (Share IRA Certificate 24 month)
- Miami Postal Service Credit Union: 2.50% APY (12 Months)
- Wells Fargo: 1.51% APY (1 year Standard Interest Rate)
- TD Bank: 1.00% APY (5 Year)
- United Fidelity Bank: 4.25% APY (18-Month CD)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
- 1st Street Credit Union: 4.16% APY (24 MONTH IRA CERT)
CD Calculators for Hialeah, Florida
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.
Hialeah, Florida CD LadderFL CD rates currently range from 0.805% (3-month) to 2.678% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hialeah, 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 2.113% 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
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hialeah, Florida CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Hialeah, 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 sourcing data 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 Hialeah, 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.
