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CD Rate Trends

Jacksonville, Florida Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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.
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Jacksonville, Florida CD rates range from 0.01% to 5.20% APY, verified by MonitorBankRates as of October 13, 2026. Current Jacksonville, Florida CD rates include Navy Federal Credit UnionNavy Federal Credit Union6100 Collins Rd, Jacksonville, FL 32244A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, EverBankEverBank4211 San Juan Ave, Jacksonville, FL 32210A+5.0 ★Texas Ratio: 5.00%Real return: +1.55%APY minus CPI (February 2026) offering 24 Month Performance CD at 4.35% APY, Hancock Whitney BankHancock Whitney Bank8195 Point Meadows Way, Jacksonville, FL 32256A+5.0 ★Texas Ratio: 3.41%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY, Crescent BankCrescent Bank9485 Regency Square Blvd, Jacksonville, FL 32225A+5.0 ★Texas Ratio: 3.24%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY, and Community First Credit Union Of FloridaCommunity First Credit Union Of Florida637 N Lee St, Jacksonville, FL 32204 1141A+5.0 ★Texas Ratio: 3.41%Real return: +1.38%APY minus CPI (February 2026) offering 60 Month Term CD - Super Jumbo Max at 4.18% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Jacksonville has 365 local institutions in our database, with CD rates as high as 4.35% APY from Navy Federal Credit Union at 6100 Collins Rd, Jacksonville, FL 32244. 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, so 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: October 13, 2026

Compare Best CD Rates in Jacksonville, Florida & the Surrounding Area

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Jacksonville 3 Month CD Rates

Florida 3 Month CD Average2.08% APYNational 2.09%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
3 Month Performance CD
$0
3.60% ▲ 1.52% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 1.52% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
10739 Deerwood Park Blvd, Jacksonville, FL 32256
3-Month Certificate of Deposit
$500
3.55% ▲ 1.47% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 1.47% above avgNationally 2.09%
Details

Earn 3.55% APY on balances of $500 or more.

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$0
3.25% ▲ 1.17% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details

Balance: $1,000,000 OR HIGHER

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 14, 2026
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
7880 Gate Parkway, Jacksonville, FL 32256
3-Month CD
$0
3.25% ▲ 1.17% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
3 Month Certificate
$1,000
3.25% ▲ 1.17% above Florida avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
3 Month IRA Certificate
$1,000
3.25% ▲ 1.17% above Florida avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$0
3.15% ▲ 1.07% above Florida avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 1.07% above avgNationally 2.09%
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
3 Month Certificate
$500
3.04% ▲ 0.96% above Florida avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 0.96% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$0
3.00% ▲ 0.92% above Florida avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 0.92% above avgNationally 2.09%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
135 W Bay St, Jacksonville, FL 32202
3 Month Certificate
$0
2.94% ▲ 0.86% above Florida avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 0.86% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$0
2.90% ▲ 0.82% above Florida avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 0.82% above avgNationally 2.09%
Details

Balance: $500-$2,499.99

Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
3 Month Business CDs
$0
2.45% ▲ 0.37% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 0.37% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 6 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
12100 Lem Turner Rd, Jacksonville, FL 32218
3 Month CD
$500
2.00% ▼ 0.08% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 0.08% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
3 Month - Relationship
$0
1.00% ▼ 1.08% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 1.08% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
3 Month Certificate
$0
1.00% ▼ 1.08% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 1.08% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
3 Month TD Choice CD
$250
1.00% ▼ 1.08% below Florida avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 1.08% below avgNationally 2.09%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
3 Month Certificate
$500
0.75% ▼ 1.33% below Florida avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▼ 1.33% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.04% → 0.75% ▼ 2.29 pts · high 3.04% / low 0.75%
0.00%2.67%5.33%Sep 14, 2026: 3.04% APYSep 18, 2026: 0.75% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20260.75%▼ from 3.04%
  • Sep 14, 20263.04%first recorded
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
3 Month Certificate
$1,000
0.60% ▼ 1.48% below Florida avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▼ 1.48% below avgNationally 2.09%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 29, 2026: 0.60% APYSep 29, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
3 Month Certificate
$1,000
0.55% ▼ 1.53% below Florida avg
View
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▼ 1.53% below avgNationally 2.09%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 0.55% APY · checked 4 times
0.05%0.55%1.05%Sep 29, 2026: 0.55% APYSep 29, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
3 Month Certificate
$1,000
0.50% ▼ 1.58% below Florida avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▼ 1.58% below avgNationally 2.09%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 29, 2026: 0.50% APYSep 29, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
3 Month Certificate
$1,000
0.45% ▼ 1.63% below Florida avg
View
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▼ 1.63% below avgNationally 2.09%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 0.45% APY · checked 4 times
0.00%0.48%0.95%Sep 29, 2026: 0.45% APYSep 29, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1601 Main St, Jacksonville, FL 32233
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.02% below Florida avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 2.02% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1601 Main St, Jacksonville, FL 32233
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.02% below Florida avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 2.02% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1601 Main St, Jacksonville, FL 32233
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.03% below Florida avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 2.03% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
3 Month Certificate of Deposit
$0
0.03% ▼ 2.05% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 2.05% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
3 Month Certificate of Deposit
$0
0.02% ▼ 2.06% below Florida avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 2.06% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
3 Month Certificate of Deposit
$0
0.01% ▼ 2.07% below Florida avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▼ 2.07% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Certificate
$0
4.30% ▲ 2.22% above Florida avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 2.22% above avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 6, 2026: 4.30% APYOct 6, 2026Oct 14, 2026
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
3-month online CD
$25,000
4.00% ▲ 1.92% above Florida avg
View
▼
Rate3.92%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 1.92% above avgNationally 2.09%
Details

Available for current 3-Month CD clients only. Online-only high-yield rates.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 month CD
$1,000
3.85% ▲ 1.77% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.77% above avgNationally 2.09%
Details

Special CD Rates for Continental U.S.

Rate History
1 change since Sep 30, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 30, 2026: 3.80% APYOct 6, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
  • Oct 6, 20263.85%▲ from 3.80%
  • Sep 30, 20263.80%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
3 Month Promotional Share Certificate
$0
3.75% ▲ 1.67% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details

Limited time offer valid starting August 2026; $500 minimum opening deposit

Rate History
2 changes since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.20%
2.65%3.48%4.30%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.20% APYOct 13, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.75%▲ from 3.20%
  • Oct 5, 20263.20%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 month Business Share Certificates
$0
3.75% ▲ 1.67% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 month Share Certificates
$0
3.75% ▲ 1.67% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details

Balance: $1,000 to $24,999; Rates effective as of 10/13/2026

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
Share Certificates - 3 month
$1,000
3.75% ▲ 1.67% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details

Balance: $25,000 to $99,999; Dividends compounded and paid quarterly

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Month CD
$0
3.75% ▲ 1.67% above Florida avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details

Effective Date: September 21, 2026

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Month IRA CD
$500
3.75% ▲ 1.67% above Florida avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details

Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYSep 22, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.71% ▲ 1.63% above Florida avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.63% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 7 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month Certificate
$1,000
3.66% ▲ 1.58% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.58% above avgNationally 2.09%
Details

Rate History
No change since Sep 22, 2026 · 3.66% APY · checked 5 times
3.16%3.66%4.16%Sep 22, 2026: 3.66% APYSep 22, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA
$1,000
3.66% ▲ 1.58% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.58% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.52% above Florida avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Florida Average2.08%▲ 1.52% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.52% above Florida avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Florida Average2.08%▲ 1.52% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD - VIP Bonus
$500
3.55% ▲ 1.47% above Florida avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.47% above avgNationally 2.09%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
3 Month CD
$2,500
3.50% ▲ 1.42% above Florida avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.08%▲ 1.42% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Business Share Certificate
$0
3.45% ▲ 1.37% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.37% above avgNationally 2.09%
Details

Existing certificates only - no new accounts offered

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Share Certificate
$0
3.45% ▲ 1.37% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.37% above avgNationally 2.09%
Details

Existing certificates only - no new accounts offered

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month CD - VIP Bonus
$500
3.40% ▲ 1.32% above Florida avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.32% above avgNationally 2.09%
Details

VIP Relationship Reward Bonus; VIP Bonus Rate 3.35%; VIP Bonus APY 3.40%

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Term Share Certificates
$1,000
3.40% ▲ 1.32% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.32% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 3 Months
$0
3.40% ▲ 1.32% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.32% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Business 3 Months
$0
3.35% ▲ 1.27% above Florida avg
View
▼
Rate3.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.08%▲ 1.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 11, 2026: 3.35% APYSep 11, 2026Oct 14, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35% ▲ 1.27% above Florida avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.27% above avgNationally 2.09%
Details

Early withdrawal penalty: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
2.76%3.30%3.85%Sep 14, 2026: 3.26% APYSep 18, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.35%▲ from 3.26%
  • Sep 14, 20263.26%first recorded

Jacksonville 6 Month CD Rates

Florida 6 Month CD Average3.06% APYNational 2.77%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
6 Month Certificate
$1,000
3.80% ▲ 0.74% above Florida avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.74% above avgNationally 2.77%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
6 Month Certificate
$1,000
3.75% ▲ 0.69% above Florida avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.69% above avgNationally 2.77%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
6-Month CD
$0
3.75% ▲ 0.69% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.69% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
6-Month Term
$1,000
3.75% ▲ 0.69% above Florida avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.69% above avgNationally 2.77%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
6 Month Business CDs
$0
3.70% ▲ 0.64% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.64% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
6-Month Term Certificate
$0
3.70% ▲ 0.64% above Florida avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.64% above avgNationally 2.77%
Details

Balance: $1,000,000 OR HIGHER

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
6 Month Certificate
$1,000
3.70% ▲ 0.64% above Florida avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.64% above avgNationally 2.77%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
6-Month Term Certificate
$0
3.65% ▲ 0.59% above Florida avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.59% above avgNationally 2.77%
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 24, 2026: 3.65% APYSep 24, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
6 Month Certificate
$1,000
3.65% ▲ 0.59% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.59% above avgNationally 2.77%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 29, 2026: 3.65% APYSep 29, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
6 Month Performance CD
$0
3.60% ▲ 0.54% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.54% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
6-Month Term Certificate
$0
3.60% ▲ 0.54% above Florida avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.54% above avgNationally 2.77%
Details

Balance: $500,000-$749,999.99

Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 24, 2026: 3.60% APYSep 24, 2026Oct 14, 2026
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
966 N Liberty St, Jacksonville, FL 32206
6 Month Certificate
$500
3.60% ▲ 0.54% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▲ 0.54% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9987 Pritchard Rd, Jacksonville, FL 32219 2894
6 Month Term Share Certificate
$50,000
3.56% ▲ 0.50% above Florida avg
View
▼
Rate3.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.50% above avgNationally 2.77%
Details

Minimum $50,000.00

Rate History
2 changes since Sep 18, 2026 · 3.56% → 3.56% ▼ 0.00 pts · high 3.56% / low 3.51%
3.01%3.54%4.06%Sep 18, 2026: 3.56% APYOct 5, 2026: 3.51% APYOct 9, 2026: 3.56% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.56%▲ from 3.51%
  • Oct 5, 20263.51%▼ from 3.56%
  • Sep 18, 20263.56%first recorded
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
6 Month SaveUP CD - Super Jumbo Max
$1,000,000
3.56% ▲ 0.50% above Florida avg
View
▼
Rate3.50%
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.50% above avgNationally 2.77%
Details

Effective 10/13/2026 08:00 AM

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
6-Month Term Certificate
$0
3.55% ▲ 0.49% above Florida avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.49% above avgNationally 2.77%
Details

Balance: $250,000-$499,999.99

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Member Merits (Gold) 6 Month Certificate
$0
3.55% ▲ 0.49% above Florida avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.49% above avgNationally 2.77%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9987 Pritchard Rd, Jacksonville, FL 32219 2894
6 Month Term Share Certificate
$1,000
3.51% ▲ 0.45% above Florida avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.45% above avgNationally 2.77%
Details

Minimum $1,000.00; Rates effective as of 10/01/2026

Rate History
3 changes since Sep 18, 2026 · 3.56% → 3.51% ▼ 0.05 pts · high 3.56% / low 3.51%
3.01%3.54%4.06%Sep 18, 2026: 3.56% APYOct 5, 2026: 3.51% APYOct 9, 2026: 3.56% APYOct 13, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20263.51%▼ from 3.56%
  • Oct 9, 20263.56%▲ from 3.51%
  • Oct 5, 20263.51%▼ from 3.56%
  • Sep 18, 20263.56%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
10739 Deerwood Park Blvd, Jacksonville, FL 32256
6-Month CD
$500
3.50% ▲ 0.44% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

Earn 3.50% APY on balances of $500 or more.

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
6-Month Term Certificate
$0
3.50% ▲ 0.44% above Florida avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

Balance: $100,000-$249,999.99

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
6 Month Certificate
$0
3.50% ▲ 0.44% above Florida avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.50%▼ from 3.55%
  • Sep 14, 20263.55%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Business 6 Month Certificate
$0
3.50% ▲ 0.44% above Florida avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
6 Month Certificate
$1,000
3.45% ▲ 0.39% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.39% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
6 Month IRA Certificate
$1,000
3.45% ▲ 0.39% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.39% above avgNationally 2.77%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
6-Month Term Certificate
$0
3.40% ▲ 0.34% above Florida avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.34% above avgNationally 2.77%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 14, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
6 Month JUMBO Regular & IRA Certificates
$100,000
3.33% ▲ 0.27% above Florida avg
View
▼
Rate3.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.27% above avgNationally 2.77%
Details

Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000

Rate History
No change since Sep 14, 2026 · 3.33% APY · checked 7 times
2.83%3.33%3.83%Sep 14, 2026: 3.33% APYSep 14, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
6-Month Term Certificate
$0
3.30% ▲ 0.24% above Florida avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.24% above avgNationally 2.77%
Details

Balance: $500-$2,499.99

Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
6 Month SaveUP CD - Super Jumbo Plus
$750,000
3.30% ▲ 0.24% above Florida avg
View
▼
Rate3.25%
Min Deposit$750,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.24% above avgNationally 2.77%
Details

Effective 10/13/2026 08:00 AM

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
Regular & IRA Certificates - 6 Months
$500
3.22% ▲ 0.16% above Florida avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.16% above avgNationally 2.77%
Details

Effective 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.22% APY
2.72%3.22%3.72%Oct 13, 2026: 3.22% APYOct 13, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
135 W Bay St, Jacksonville, FL 32202
6 Month Certificate
$0
3.20% ▲ 0.14% above Florida avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 0.14% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
6 Month Certificate
$500
3.04% ▼ 0.02% below Florida avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▼ 0.02% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
6 Month SaveUP CD - Super Jumbo
$500,000
3.04% ▼ 0.02% below Florida avg
View
▼
Rate3.00%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▼ 0.02% below avgNationally 2.77%
Details

Effective 10/13/2026 08:00 AM

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 8 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
6 Month SaveUP CD - Jumbo Plus
$250,000
2.78% ▼ 0.28% below Florida avg
View
▼
Rate2.75%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▼ 0.28% below avgNationally 2.77%
Details

Effective 10/13/2026 08:00 AM

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 8 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
6 Month SaveUP CD - Jumbo
$100,000
2.73% ▼ 0.33% below Florida avg
View
▼
Rate2.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▼ 0.33% below avgNationally 2.77%
Details

Effective 10/13/2026 08:00 AM

Rate History
No change since Sep 14, 2026 · 2.73% APY · checked 8 times
2.23%2.73%3.23%Sep 14, 2026: 2.73% APYSep 14, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
6 Month SaveUP CD - Jr. Jumbo
$45,000
2.68% ▼ 0.38% below Florida avg
View
▼
Rate2.65%
Min Deposit$45,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▼ 0.38% below avgNationally 2.77%
Details

Effective 10/13/2026 08:00 AM

Rate History
No change since Sep 14, 2026 · 2.68% APY · checked 8 times
2.18%2.68%3.18%Sep 14, 2026: 2.68% APYSep 14, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
6 Month SaveUP CD - Standard
$250
2.58% ▼ 0.48% below Florida avg
View
▼
Rate2.55%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▼ 0.48% below avgNationally 2.77%
Details

Effective 10/13/2026 08:00 AM

Rate History
No change since Sep 14, 2026 · 2.58% APY · checked 6 times
2.08%2.58%3.08%Sep 14, 2026: 2.58% APYSep 14, 2026Oct 14, 2026
Metro North Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
310 Dundas Dr, jacksonville, FL 32218 5588
CD - 6 months
$500
2.45% ▼ 0.61% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.06%▼ 0.61% below avgNationally 2.77%
Details

Rate column header not shown on page; value listed as printed

Rate History
No change since Oct 12, 2026 · 2.45% APY
1.95%2.45%2.95%Oct 12, 2026: 2.45% APYOct 12, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
6 Month Certificates of Deposit
$500
2.45% ▼ 0.61% below Florida avg
View
▼
Rate2.42%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▼ 0.61% below avgNationally 2.77%
Details

Dividends Paid: Monthly

Rate History
No change since Sep 22, 2026 · 2.45% APY · checked 6 times
1.95%2.45%2.95%Sep 22, 2026: 2.45% APYSep 22, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
Certificate of Deposit - 6 months
$500
2.45% ▼ 0.61% below Florida avg
View
▼
Rate2.42%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▼ 0.61% below avgNationally 2.77%
Details

Dividends paid monthly; Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 2.45% APY
1.95%2.45%2.95%Oct 13, 2026: 2.45% APYOct 13, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
12100 Lem Turner Rd, Jacksonville, FL 32218
6 Month CD
$500
2.25% ▼ 0.81% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▼ 0.81% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6611 DUNN AVE, JACKSONVILLE, FL 32218
6 Month Certificate of Deposit
$0
2.00% ▼ 1.06% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.06%▼ 1.06% below avgNationally 2.77%
Details

Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 20, 2026: 2.00% APYSep 20, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
6 Month Certificate
$500
1.26% ▼ 1.80% below Florida avg
View
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.06%▼ 1.80% below avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.04% → 1.26% ▼ 1.79 pts · high 3.04% / low 1.26%
0.00%2.41%4.83%Sep 14, 2026: 3.04% APYSep 18, 2026: 1.26% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20261.26%▼ from 3.04%
  • Sep 14, 20263.04%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
6 Month Certificate
$0
1.00% ▼ 2.06% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▼ 2.06% below avgNationally 2.77%
Details

Balance: $250.00 - $9,999.99; Relationship APY: 1.00%; Standard APY: 1.00%

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
6 Month TD Choice CD
$250
1.00% ▼ 2.06% below Florida avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▼ 2.06% below avgNationally 2.77%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1601 Main St, Jacksonville, FL 32233
6 month Standard Fixed Rate
$2,500
0.06% ▼ 3.00% below Florida avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▼ 3.00% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1601 Main St, Jacksonville, FL 32233
6 month Standard Interest Rate
$2,500
0.06% ▼ 3.00% below Florida avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▼ 3.00% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1601 Main St, Jacksonville, FL 32233
6 month Standard Fixed Rate
$2,500
0.05% ▼ 3.01% below Florida avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▼ 3.01% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
6 Month Certificate of Deposit
$0
0.03% ▼ 3.03% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▼ 3.03% below avgNationally 2.77%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
6 Month Certificate of Deposit
$0
0.02% ▼ 3.04% below Florida avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▼ 3.04% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
6 Month Certificate of Deposit
$0
0.01% ▼ 3.05% below Florida avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▼ 3.05% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6 Month Bonus CD
$500
4.75% ▲ 1.69% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.06%▲ 1.69% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 14, 2026

Jacksonville 12 Month CD Rates

Florida 12 Month CD Average3.22% APYNational 2.99%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6100 Collins Rd, Jacksonville, FL 32244
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.13% above Florida avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Youth Advantage - 12 Month Term
$1,000,000
4.08% ▲ 0.86% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.86% above avgNationally 2.99%
Details

Tier: Super Jumbo Max

Rate History
No change since Oct 13, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 13, 2026: 4.08% APYOct 13, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$0
4.05% ▲ 0.83% above Florida avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.83% above avgNationally 2.99%
Details

Balance: $1,000,000 OR HIGHER

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6100 Collins Rd, Jacksonville, FL 32244
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.78% above Florida avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$0
4.00% ▲ 0.78% above Florida avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
9485 Regency Square Blvd, Jacksonville, FL 32225
12 month CD
$1,000
4.00% ▲ 0.78% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
1-Year CD
$0
4.00% ▲ 0.78% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
1-Year Term
$1,000
4.00% ▲ 0.78% above Florida avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$0
3.95% ▲ 0.73% above Florida avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.73% above avgNationally 2.99%
Details

Balance: $500,000-$749,999.99

Rate History
No change since Sep 24, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 24, 2026: 3.95% APYSep 24, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
1 Year Certificate
$1,000
3.91% ▲ 0.69% above Florida avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.69% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 29, 2026: 3.91% APYSep 29, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$0
3.90% ▲ 0.68% above Florida avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.68% above avgNationally 2.99%
Details

Balance: $250,000-$499,999.99

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$0
3.85% ▲ 0.63% above Florida avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Balance: $100,000-$249,999.99

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
12 Month Jumbo Share Certificate
$75,000
3.85% ▲ 0.63% above Florida avg
View
▼
Rate3.78%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
1 Year Certificate
$1,000
3.85% ▲ 0.63% above Florida avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.63% above avgNationally 2.99%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 29, 2026: 3.85% APYSep 29, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Youth Advantage - 12 Month Term
$750,000
3.82% ▲ 0.60% above Florida avg
View
▼
Rate3.75%
Min Deposit$750,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.60% above avgNationally 2.99%
Details

Tier: Super Jumbo Plus

Rate History
No change since Oct 13, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificate - 12 month
$40,000
3.80% ▲ 0.58% above Florida avg
View
▼
Rate3.73%
Min Deposit$40,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.22%▲ 0.58% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
1 Year Certificate
$1,000
3.80% ▲ 0.58% above Florida avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.58% above avgNationally 2.99%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 14, 2026
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
7880 Gate Parkway, Jacksonville, FL 32256
12-Month CD
$0
3.75% ▲ 0.53% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Rate History
1 change since Sep 27, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 27, 2026: 3.55% APYOct 7, 2026: 3.75% APYSep 27, 2026Oct 14, 2026
  • Oct 7, 20263.75%▲ from 3.55%
  • Sep 27, 20263.55%first recorded
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
IRA Share Certificate - 12 month
$1,000
3.75% ▲ 0.53% above Florida avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 14, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
1 Year JUMBO Regular & IRA Certificates
$100,000
3.75% ▲ 0.53% above Florida avg
View
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
1 Year Certificate
$1,000
3.75% ▲ 0.53% above Florida avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9987 Pritchard Rd, Jacksonville, FL 32219 2894
12 Month Term Share Certificate
$50,000
3.71% ▲ 0.49% above Florida avg
View
▼
Rate3.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.49% above avgNationally 2.99%
Details

Minimum $50,000.00

Rate History
2 changes since Sep 18, 2026 · 3.71% → 3.71% ▼ 0.00 pts · high 3.71% / low 3.66%
3.16%3.69%4.21%Sep 18, 2026: 3.71% APYOct 5, 2026: 3.66% APYOct 9, 2026: 3.71% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.71%▲ from 3.66%
  • Oct 5, 20263.66%▼ from 3.71%
  • Sep 18, 20263.71%first recorded
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
12 Month Certificate
$1,000
3.70% ▲ 0.48% above Florida avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.22%▲ 0.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
12 Month IRA Certificate
$1,000
3.70% ▲ 0.48% above Florida avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.22%▲ 0.48% above avgNationally 2.99%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9987 Pritchard Rd, Jacksonville, FL 32219 2894
12 Month Term Share Certificate
$1,000
3.66% ▲ 0.44% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.44% above avgNationally 2.99%
Details

Minimum $1,000.00; Rates effective as of 10/01/2026

Rate History
3 changes since Sep 18, 2026 · 3.71% → 3.66% ▼ 0.05 pts · high 3.71% / low 3.66%
3.16%3.69%4.21%Sep 18, 2026: 3.71% APYOct 5, 2026: 3.66% APYOct 9, 2026: 3.71% APYOct 13, 2026: 3.66% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20263.66%▼ from 3.71%
  • Oct 9, 20263.71%▲ from 3.66%
  • Oct 5, 20263.66%▼ from 3.71%
  • Sep 18, 20263.71%first recorded
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
12 Month Regular & IRA Certificates - Youth Cert
$100
3.65% ▲ 0.43% above Florida avg
View
▼
Rate3.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.99%
Details

Available to members under 18 years of age; Effective 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 14, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
Regular & IRA Certificates - 1 Year
$1,000
3.65% ▲ 0.43% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.43% above avgNationally 2.99%
Details

Effective 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Youth Advantage - 12 Month Term
$500,000
3.61% ▲ 0.39% above Florida avg
View
▼
Rate3.55%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.39% above avgNationally 2.99%
Details

Tier: Super Jumbo

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
1 Year Business CDs
$0
3.60% ▲ 0.38% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.38% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Member Merits (Gold) 12 Month Certificate
$0
3.60% ▲ 0.38% above Florida avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.38% above avgNationally 2.99%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
12 Month Certificate
$0
3.55% ▲ 0.33% above Florida avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.33% above avgNationally 2.99%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.55% ▼ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.55%▼ from 3.60%
  • Sep 14, 20263.60%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Business 12 Month Certificate
$0
3.55% ▲ 0.33% above Florida avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.33% above avgNationally 2.99%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
135 W Bay St, Jacksonville, FL 32202
12 Month Certificate
$0
3.51% ▲ 0.29% above Florida avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.29% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 24, 2026: 3.51% APYSep 24, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
12 Month Performance CD
$0
3.50% ▲ 0.28% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.28% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
966 N Liberty St, Jacksonville, FL 32206
12 Month Certificate
$500
3.50% ▲ 0.28% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▲ 0.28% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
12 Month Certificates of Deposit
$500
3.40% ▲ 0.18% above Florida avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.18% above avgNationally 2.99%
Details

Dividends Paid: Monthly

Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 22, 2026: 3.40% APYSep 22, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
Certificate of Deposit - 12 months
$500
3.40% ▲ 0.18% above Florida avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.18% above avgNationally 2.99%
Details

Dividends paid monthly; Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL 32256
Business Promotional Rate: 1-Year
$0
3.35% ▲ 0.13% above Florida avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.22%▲ 0.13% above avgNationally 2.99%
Details

Opening Balance Required for Personal or Business is $50,000

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Youth Advantage - 12 Month Term
$250,000
3.35% ▲ 0.13% above Florida avg
View
▼
Rate3.30%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.13% above avgNationally 2.99%
Details

Tier: Jumbo Plus

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
12 Month Pulse Certificate
$100
3.30% ▲ 0.08% above Florida avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.08% above avgNationally 2.99%
Details

Dividends Paid: Monthly; Pulse Certificate requires a minimum $100 opening deposit; unlimited add-on deposits allowed until maturity; certificate automatically renews at rate available at that time; penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
9250 Baymeadows Rd, Jacksonville, FL 32256
12-month CD
$0
3.25% ▲ 0.03% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▲ 0.03% above avgNationally 2.99%
Details

Special rate for select new CD accounts.

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Youth Advantage - 12 Month Term
$100,000
3.05% ▼ 0.17% below Florida avg
View
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▼ 0.17% below avgNationally 2.99%
Details

Tier: Jumbo

Rate History
No change since Oct 13, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 13, 2026: 3.05% APYOct 13, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
12 Month Certificate
$500
3.04% ▼ 0.18% below Florida avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.22%▼ 0.18% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Youth Advantage - 12 Month Term
$45,000
2.99% ▼ 0.23% below Florida avg
View
▼
Rate2.95%
Min Deposit$45,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▼ 0.23% below avgNationally 2.99%
Details

Tier: Jr. Jumbo

Rate History
No change since Oct 13, 2026 · 2.99% APY
2.49%2.99%3.49%Oct 13, 2026: 2.99% APYOct 13, 2026Oct 14, 2026
Metro North Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
310 Dundas Dr, jacksonville, FL 32218 5588
CD - 12 months
$500
2.95% ▼ 0.27% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.22%▼ 0.27% below avgNationally 2.99%
Details

Rate column header not shown on page; value listed as printed

Rate History
No change since Oct 12, 2026 · 2.95% APY
2.45%2.95%3.45%Oct 12, 2026: 2.95% APYOct 12, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Youth Advantage - 12 Month Term
$100
2.94% ▼ 0.28% below Florida avg
View
▼
Rate2.90%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▼ 0.28% below avgNationally 2.99%
Details

Tier: Standard

Rate History
No change since Oct 13, 2026 · 2.94% APY
2.44%2.94%3.44%Oct 13, 2026: 2.94% APYOct 13, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$0
2.85% ▼ 0.37% below Florida avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▼ 0.37% below avgNationally 2.99%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 24, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 24, 2026: 2.85% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$0
2.75% ▼ 0.47% below Florida avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▼ 0.47% below avgNationally 2.99%
Details

Balance: $25,000-$49,999.99

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$0
2.70% ▼ 0.52% below Florida avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▼ 0.52% below avgNationally 2.99%
Details

Balance: $2,500-$24,999.99

Rate History
No change since Sep 24, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 24, 2026: 2.70% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$0
2.65% ▼ 0.57% below Florida avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.22%▼ 0.57% below avgNationally 2.99%
Details

Balance: $500-$2,499.99

Rate History
No change since Sep 24, 2026 · 2.65% APY · checked 5 times
2.15%2.65%3.15%Sep 24, 2026: 2.65% APYSep 24, 2026Oct 14, 2026

Jacksonville 18 Month CD Rates

Florida 18 Month CD Average3.27% APYNational 2.88%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
18 Month Jumbo Share Certificate
$75,000
3.75% ▲ 0.48% above Florida avg
View
▼
Rate3.68%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6100 Collins Rd, Jacksonville, FL 32244
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.43% above Florida avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 0.43% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificate - 18 month
$40,000
3.70% ▲ 0.43% above Florida avg
View
▼
Rate3.63%
Min Deposit$40,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
18 Month Certificate
$1,000
3.65% ▲ 0.38% above Florida avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
18 Month IRA Certificate
$1,000
3.65% ▲ 0.38% above Florida avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.38% above avgNationally 2.88%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9987 Pritchard Rd, Jacksonville, FL 32219 2894
18 Month Term Share Certificate
$50,000
3.51% ▲ 0.24% above Florida avg
View
▼
Rate3.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.24% above avgNationally 2.88%
Details

Minimum $50,000.00

Rate History
2 changes since Sep 18, 2026 · 3.51% → 3.51% ▼ 0.00 pts · high 3.51% / low 3.46%
2.96%3.49%4.01%Sep 18, 2026: 3.51% APYOct 5, 2026: 3.46% APYOct 9, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.51%▲ from 3.46%
  • Oct 5, 20263.46%▼ from 3.51%
  • Sep 18, 20263.51%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
18 Month Certificates of Deposit
$500
3.50% ▲ 0.23% above Florida avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.23% above avgNationally 2.88%
Details

Dividends Paid: Monthly

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
Certificate of Deposit - 18 months
$500
3.50% ▲ 0.23% above Florida avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.23% above avgNationally 2.88%
Details

Dividends paid monthly; Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
135 W Bay St, Jacksonville, FL 32202
18 Month Certificate
$0
3.46% ▲ 0.19% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.19% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9987 Pritchard Rd, Jacksonville, FL 32219 2894
18 Month Term Share Certificate
$1,000
3.46% ▲ 0.19% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.19% above avgNationally 2.88%
Details

Minimum $1,000.00; Rates effective as of 10/01/2026

Rate History
3 changes since Sep 18, 2026 · 3.51% → 3.46% ▼ 0.05 pts · high 3.51% / low 3.46%
2.96%3.49%4.01%Sep 18, 2026: 3.51% APYOct 5, 2026: 3.46% APYOct 9, 2026: 3.51% APYOct 13, 2026: 3.46% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20263.46%▼ from 3.51%
  • Oct 9, 20263.51%▲ from 3.46%
  • Oct 5, 20263.46%▼ from 3.51%
  • Sep 18, 20263.51%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
18 Month Performance CD
$0
3.40% ▲ 0.13% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.13% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
18 Month Pulse Certificate
$100
3.40% ▲ 0.13% above Florida avg
View
▼
Rate3.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.13% above avgNationally 2.88%
Details

Dividends Paid: Monthly; Pulse Certificate requires a minimum $100 opening deposit; unlimited add-on deposits allowed until maturity; certificate automatically renews at rate available at that time; penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Metro North Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
310 Dundas Dr, jacksonville, FL 32218 5588
CD - 18 months
$500
3.35% ▲ 0.08% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 0.08% above avgNationally 2.88%
Details

Rate column header not shown on page; value listed as printed

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Member Merits (Gold) 18 Month Certificate
$0
3.30% ▲ 0.03% above Florida avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.03% above avgNationally 2.88%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
18 Month Certificate
$0
3.25% ▼ 0.02% below Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▼ 0.02% below avgNationally 2.88%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Business 18 Month Certificate
$0
3.25% ▼ 0.02% below Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▼ 0.02% below avgNationally 2.88%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
18-Month Term Certificate
$500
3.05% ▼ 0.22% below Florida avg
View
▼
Rate3.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 0.22% below avgNationally 2.88%
Details

Balance: $100,000-$249,999.99

Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 24, 2026: 3.05% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
18-Month Term Certificate
$500
2.90% ▼ 0.37% below Florida avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 0.37% below avgNationally 2.88%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
18-Month Term Certificate
$500
2.80% ▼ 0.47% below Florida avg
View
▼
Rate2.77%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 0.47% below avgNationally 2.88%
Details

Balance: $25,000-$49,999.99

Rate History
No change since Sep 24, 2026 · 2.80% APY · checked 5 times
2.30%2.80%3.30%Sep 24, 2026: 2.80% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
18-Month Term Certificate
$500
2.75% ▼ 0.52% below Florida avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 0.52% below avgNationally 2.88%
Details

Balance: $2,500-$24,999.99

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
18-Month CD
$0
2.75% ▼ 0.52% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▼ 0.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
18-Month Term
$1,000
2.75% ▼ 0.52% below Florida avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▼ 0.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
18-Month Term Certificate
$500
2.70% ▼ 0.57% below Florida avg
View
▼
Rate2.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 0.57% below avgNationally 2.88%
Details

Balance: $500-$2,499.99

Rate History
No change since Sep 24, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 24, 2026: 2.70% APYSep 24, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
1.5 Year Business CDs
$0
2.10% ▼ 1.17% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 1.17% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.10% APY · checked 6 times
1.60%2.10%2.60%Sep 18, 2026: 2.10% APYSep 18, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
18 Month - Relationship
$0
1.00% ▼ 2.27% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 2.27% below avgNationally 2.88%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
18 Month Certificate
$0
1.00% ▼ 2.27% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 2.27% below avgNationally 2.88%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
18 Month TD Choice CD
$250
1.00% ▼ 2.27% below Florida avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 2.27% below avgNationally 2.88%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL 32256
Business 18-Month
$0
0.35% ▼ 2.92% below Florida avg
View
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.27%▼ 2.92% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
18 Month Certificate of Deposit
$0
0.03% ▼ 3.24% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 3.24% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
18 Month Certificate of Deposit
$0
0.02% ▼ 3.25% below Florida avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 3.25% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
18 Month CD
$500
0.02% ▼ 3.25% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 3.25% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 7, 2026: 0.02% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
18 Month Certificate of Deposit
$0
0.01% ▼ 3.26% below Florida avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▼ 3.26% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18 Month Certificate
$2,000
4.90% ▲ 1.63% above Florida avg
View
▼
Rate4.78%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 1.63% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.90% APY · checked 2 times
4.40%4.90%5.40%Oct 7, 2026: 4.90% APYOct 7, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Certificate
$0
4.65% ▲ 1.38% above Florida avg
View
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.38% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 6, 2026: 4.65% APYOct 6, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18-month CD
$10,000
4.65% ▲ 1.38% above Florida avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.38% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 24, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
3.85%4.50%5.15%Sep 24, 2026: 4.35% APYOct 1, 2026: 4.55% APYOct 6, 2026: 4.65% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.65%▲ from 4.55%
  • Oct 1, 20264.55%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100,000
4.50% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.

Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.50% APYOct 4, 2026: 4.35% APYOct 8, 2026: 4.50% APYSep 25, 2026Oct 14, 2026
  • Oct 8, 20264.50%▲ from 4.35%
  • Oct 4, 20264.35%▼ from 4.50%
  • Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Jumbo Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Share Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Youth Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
18 Month Business Share Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
18 Month Share Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 Month CD
$0
4.35% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 14, 2026
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
18 Month IRA CD
$0
4.35% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 14, 2026
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
18-Month CD
$1,000
4.35% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 16, 2026 · 4.40% → 4.35% ▼ 0.05 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 16, 2026: 4.40% APYOct 3, 2026: 4.25% APYOct 12, 2026: 4.35% APYSep 16, 2026Oct 14, 2026
  • Oct 12, 20264.35%▲ from 4.25%
  • Oct 3, 20264.25%▼ from 4.40%
  • Sep 16, 20264.40%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100
4.35% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Or, 4.35% APY* with $100 min.

Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.35% APYOct 4, 2026: 4.50% APYOct 12, 2026: 4.35% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.35%▼ from 4.50%
  • Oct 4, 20264.50%▲ from 4.35%
  • Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.35% ▲ 1.08% above Florida avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Regular

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.35% ▲ 1.08% above Florida avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$100,000
4.28% ▲ 1.01% above Florida avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.27%▲ 1.01% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 7 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 18 Month
$0
4.25% ▲ 0.98% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded

Jacksonville 24 Month CD Rates

Florida 24 Month CD Average3.16% APYNational 2.88%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
24 Month Performance CD
$0
4.35% ▲ 1.19% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 1.19% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 14, 2026
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
8195 Point Meadows Way, Jacksonville, FL 32256
24-month CD
$0
4.25% ▲ 1.09% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 1.09% above avgNationally 2.88%
Details

Save on your terms with a guaranteed rate of return on a Certificate of Deposit.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
9485 Regency Square Blvd, Jacksonville, FL 32225
24-month CD
$1,000
4.25% ▲ 1.09% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 1.09% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
24-Month Term Certificate
$0
3.85% ▲ 0.69% above Florida avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 0.69% above avgNationally 2.88%
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
24-Month Term Certificate
$0
3.80% ▲ 0.64% above Florida avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 0.64% above avgNationally 2.88%
Details

Balance: $500,000-$749,999.99

Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 24, 2026: 3.80% APYSep 24, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
2 Year Certificate
$1,000
3.80% ▲ 0.64% above Florida avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.64% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
24 Month Certificate
$1,000
3.80% ▲ 0.64% above Florida avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.64% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
24 Month IRA Certificate
$1,000
3.80% ▲ 0.64% above Florida avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.64% above avgNationally 2.88%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
24 Month Sand Dollar
$300
3.80% ▲ 0.64% above Florida avg
View
▼
Rate3.74%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.64% above avgNationally 2.88%
Details

Call; Sand Dollar**

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
24 Month Jumbo Share Certificate
$75,000
3.75% ▲ 0.59% above Florida avg
View
▼
Rate3.68%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
2 Year Certificate
$1,000
3.75% ▲ 0.59% above Florida avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificate - 24 month
$40,000
3.70% ▲ 0.54% above Florida avg
View
▼
Rate3.63%
Min Deposit$40,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 8, 2026: 3.70% APYOct 8, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
2 Year Certificate
$1,000
3.70% ▲ 0.54% above Florida avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.54% above avgNationally 2.88%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
24 Month Step
$1,000
3.70% ▲ 0.54% above Florida avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.54% above avgNationally 2.88%
Details

Call; Step*

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
IRA Share Certificate - 24 month
$1,000
3.65% ▲ 0.49% above Florida avg
View
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
2 Year Certificate
$1,000
3.65% ▲ 0.49% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.49% above avgNationally 2.88%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 29, 2026: 3.75% APYOct 5, 2026: 3.65% APYSep 29, 2026Oct 14, 2026
  • Oct 5, 20263.65%▼ from 3.75%
  • Sep 29, 20263.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6100 Collins Rd, Jacksonville, FL 32244
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.44% above Florida avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▲ 0.44% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
2 Year JUMBO Regular & IRA Certificates
$100,000
3.60% ▲ 0.44% above Florida avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.44% above avgNationally 2.88%
Details

Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
24-Month Term Certificate
$0
3.55% ▲ 0.39% above Florida avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 0.39% above avgNationally 2.88%
Details

Balance: $250,000-$499,999.99

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
24 Month Certificates of Deposit
$500
3.55% ▲ 0.39% above Florida avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.39% above avgNationally 2.88%
Details

Dividends Paid: Monthly

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
Certificate of Deposit - 24 months
$500
3.55% ▲ 0.39% above Florida avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.39% above avgNationally 2.88%
Details

Dividends paid monthly; Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9987 Pritchard Rd, Jacksonville, FL 32219 2894
24 Month Term Share Certificate
$50,000
3.51% ▲ 0.35% above Florida avg
View
▼
Rate3.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.35% above avgNationally 2.88%
Details

Minimum $50,000.00

Rate History
2 changes since Sep 18, 2026 · 3.51% → 3.51% ▼ 0.00 pts · high 3.51% / low 3.46%
2.96%3.49%4.01%Sep 18, 2026: 3.51% APYOct 5, 2026: 3.46% APYOct 9, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.51%▲ from 3.46%
  • Oct 5, 20263.46%▼ from 3.51%
  • Sep 18, 20263.51%first recorded
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
24-Month Term Certificate
$0
3.50% ▲ 0.34% above Florida avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 0.34% above avgNationally 2.88%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 14, 2026
Metro North Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
310 Dundas Dr, jacksonville, FL 32218 5588
CD - 24 months
$500
3.50% ▲ 0.34% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▲ 0.34% above avgNationally 2.88%
Details

Rate column header not shown on page; value listed as printed

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
Regular & IRA Certificates - 2 Year
$1,000
3.49% ▲ 0.33% above Florida avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.33% above avgNationally 2.88%
Details

Effective 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.49% APY
2.99%3.49%3.99%Oct 13, 2026: 3.49% APYOct 13, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9987 Pritchard Rd, Jacksonville, FL 32219 2894
24 Month Term Share Certificate
$1,000
3.46% ▲ 0.30% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.30% above avgNationally 2.88%
Details

Minimum $1,000.00; Rates effective as of 10/01/2026

Rate History
3 changes since Sep 18, 2026 · 3.51% → 3.46% ▼ 0.05 pts · high 3.51% / low 3.46%
2.96%3.49%4.01%Sep 18, 2026: 3.51% APYOct 5, 2026: 3.46% APYOct 9, 2026: 3.51% APYOct 13, 2026: 3.46% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20263.46%▼ from 3.51%
  • Oct 9, 20263.51%▲ from 3.46%
  • Oct 5, 20263.46%▼ from 3.51%
  • Sep 18, 20263.51%first recorded
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
24 Month Pulse Certificate
$100
3.44% ▲ 0.28% above Florida avg
View
▼
Rate3.39%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.28% above avgNationally 2.88%
Details

Dividends Paid: Monthly; Pulse Certificate requires a minimum $100 opening deposit; unlimited add-on deposits allowed until maturity; certificate automatically renews at rate available at that time; penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 2 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
135 W Bay St, Jacksonville, FL 32202
24 Month Certificate
$0
3.41% ▲ 0.25% above Florida avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 0.25% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
24-Month Term Certificate
$0
3.40% ▲ 0.24% above Florida avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 0.24% above avgNationally 2.88%
Details

Balance: $500-$2,499.99

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 14, 2026
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
966 N Liberty St, Jacksonville, FL 32206
24 Month Certificate
$500
3.40% ▲ 0.24% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▲ 0.24% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Member Merits (Gold) 24 Month Certificate
$0
3.30% ▲ 0.14% above Florida avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.14% above avgNationally 2.88%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
24 Month Certificate
$500
3.30% ▲ 0.14% above Florida avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▲ 0.14% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
24 Month Certificate
$0
3.25% ▲ 0.09% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.09% above avgNationally 2.88%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Business 24 Month Certificate
$0
3.25% ▲ 0.09% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.09% above avgNationally 2.88%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
12100 Lem Turner Rd, Jacksonville, FL 32218
2 Year CD
$500
2.25% ▼ 0.91% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 0.91% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
2 Year Business CDs
$0
2.20% ▼ 0.96% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 0.96% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.20% APY · checked 6 times
1.70%2.20%2.70%Sep 18, 2026: 2.20% APYSep 18, 2026Oct 14, 2026
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6611 DUNN AVE, JACKSONVILLE, FL 32218
24 Month Certificate of Deposit
$0
2.20% ▼ 0.96% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▼ 0.96% below avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 2.20% APY · checked 5 times
1.70%2.20%2.70%Sep 20, 2026: 2.20% APYSep 20, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
24 Month Certificate
$500
1.46% ▼ 1.70% below Florida avg
View
▼
Rate1.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▼ 1.70% below avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 1.46% ▼ 1.84 pts · high 3.30% / low 1.46%
0.00%2.57%5.14%Sep 14, 2026: 3.30% APYSep 18, 2026: 1.46% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20261.46%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
24 Month Certificate
$0
1.00% ▼ 2.16% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 2.16% below avgNationally 2.88%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
24 Month TD Choice CD
$250
1.00% ▼ 2.16% below Florida avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 2.16% below avgNationally 2.88%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
2-Year CD
$0
0.40% ▼ 2.76% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▼ 2.76% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
2-Year Term
$1,000
0.40% ▼ 2.76% below Florida avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▼ 2.76% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 14, 2026
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL 32256
Business 2-Year
$0
0.35% ▼ 2.81% below Florida avg
View
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▼ 2.81% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
2-Year RampUp Plus
$25,000
0.25% ▼ 2.91% below Florida avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▼ 2.91% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
2 Year CD
$500
0.05% ▼ 3.11% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 3.11% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
24 Month Certificate of Deposit
$0
0.03% ▼ 3.13% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 3.13% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
24 Month Certificate of Deposit
$0
0.02% ▼ 3.14% below Florida avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 3.14% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
24 Month Certificate of Deposit
$0
0.01% ▼ 3.15% below Florida avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▼ 3.15% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Month Certificate
$2,000
4.98% ▲ 1.82% above Florida avg
View
▼
Rate4.86%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.16%▲ 1.82% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.98% APY · checked 2 times
4.48%4.98%5.48%Oct 7, 2026: 4.98% APYOct 7, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Certificate
$0
4.70% ▲ 1.54% above Florida avg
View
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.16%▲ 1.54% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 6, 2026: 4.70% APYOct 6, 2026Oct 14, 2026

Jacksonville 36 Month CD Rates

Florida 36 Month CD Average2.98% APYNational 2.81%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term
$1,000,000
4.18% ▲ 1.20% above Florida avg
View
▼
Rate4.10%
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.20% above avgNationally 2.81%
Details

Tier: Super Jumbo Max

Rate History
No change since Oct 13, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 13, 2026: 4.18% APYOct 13, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6100 Collins Rd, Jacksonville, FL 32244
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.17% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 1.17% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6100 Collins Rd, Jacksonville, FL 32244
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.12% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 1.12% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term
$750,000
3.98% ▲ 1.00% above Florida avg
View
▼
Rate3.90%
Min Deposit$750,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.00% above avgNationally 2.81%
Details

Tier: Super Jumbo Plus

Rate History
No change since Oct 13, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 13, 2026: 3.98% APYOct 13, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
36 Month Certificate
$1,000
3.90% ▲ 0.92% above Florida avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.98%▲ 0.92% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
36 Month IRA Certificate
$1,000
3.90% ▲ 0.92% above Florida avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.98%▲ 0.92% above avgNationally 2.81%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
3 Year Certificate
$1,000
3.80% ▲ 0.82% above Florida avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.82% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 29, 2026: 3.80% APYSep 29, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term
$500,000
3.77% ▲ 0.79% above Florida avg
View
▼
Rate3.70%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.79% above avgNationally 2.81%
Details

Tier: Super Jumbo

Rate History
No change since Oct 13, 2026 · 3.77% APY
3.27%3.77%4.27%Oct 13, 2026: 3.77% APYOct 13, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
3 Year Certificate
$1,000
3.75% ▲ 0.77% above Florida avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.77% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
3 Year Certificate
$1,000
3.70% ▲ 0.72% above Florida avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.72% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
3 Year Certificate
$1,000
3.65% ▲ 0.67% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.67% above avgNationally 2.81%
Details

Balance: $1,000.00 - $9,999.99; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
1 change since Sep 29, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 29, 2026: 3.75% APYOct 5, 2026: 3.65% APYSep 29, 2026Oct 14, 2026
  • Oct 5, 20263.65%▼ from 3.75%
  • Sep 29, 20263.75%first recorded
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
36 Month Jumbo Share Certificate
$75,000
3.60% ▲ 0.62% above Florida avg
View
▼
Rate3.54%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.98%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 8, 2026: 3.60% APYOct 8, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
36-Month Term Certificate
$0
3.55% ▲ 0.57% above Florida avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificate - 36 month
$40,000
3.55% ▲ 0.57% above Florida avg
View
▼
Rate3.49%
Min Deposit$40,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 8, 2026: 3.55% APYOct 8, 2026Oct 14, 2026
Metro North Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
310 Dundas Dr, jacksonville, FL 32218 5588
CD - 36 months
$500
3.55% ▲ 0.57% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Rate column header not shown on page; value listed as printed

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 14, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
3 Year JUMBO Regular & IRA Certificates
$100,000
3.55% ▲ 0.57% above Florida avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
36 Month Certificates of Deposit
$500
3.55% ▲ 0.57% above Florida avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Dividends Paid: Monthly

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
Certificate of Deposit - 36 months
$500
3.55% ▲ 0.57% above Florida avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Dividends paid monthly; Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9987 Pritchard Rd, Jacksonville, FL 32219 2894
36 Month Term Share Certificate
$50,000
3.51% ▲ 0.53% above Florida avg
View
▼
Rate3.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.53% above avgNationally 2.81%
Details

Minimum $50,000.00

Rate History
2 changes since Sep 18, 2026 · 3.51% → 3.51% ▼ 0.00 pts · high 3.51% / low 3.46%
2.96%3.49%4.01%Sep 18, 2026: 3.51% APYOct 5, 2026: 3.46% APYOct 9, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.51%▲ from 3.46%
  • Oct 5, 20263.46%▼ from 3.51%
  • Sep 18, 20263.51%first recorded
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
IRA Share Certificate - 36 month
$1,000
3.50% ▲ 0.52% above Florida avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
966 N Liberty St, Jacksonville, FL 32206
36 Month Certificate
$500
3.50% ▲ 0.52% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9987 Pritchard Rd, Jacksonville, FL 32219 2894
36 Month Term Share Certificate
$1,000
3.46% ▲ 0.48% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.48% above avgNationally 2.81%
Details

Minimum $1,000.00; Rates effective as of 10/01/2026

Rate History
3 changes since Sep 18, 2026 · 3.51% → 3.46% ▼ 0.05 pts · high 3.51% / low 3.46%
2.96%3.49%4.01%Sep 18, 2026: 3.51% APYOct 5, 2026: 3.46% APYOct 9, 2026: 3.51% APYOct 13, 2026: 3.46% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20263.46%▼ from 3.51%
  • Oct 9, 20263.51%▲ from 3.46%
  • Oct 5, 20263.46%▼ from 3.51%
  • Sep 18, 20263.51%first recorded
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term
$250,000
3.46% ▲ 0.48% above Florida avg
View
▼
Rate3.40%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.48% above avgNationally 2.81%
Details

Tier: Jumbo Plus

Rate History
No change since Oct 13, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 13, 2026: 3.46% APYOct 13, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
36-Month Term Certificate
$0
3.45% ▲ 0.47% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▲ 0.47% above avgNationally 2.81%
Details

Balance: $100,000-$249,999.99

Rate History
No change since Sep 24, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 24, 2026: 3.45% APYSep 24, 2026Oct 14, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
Regular & IRA Certificates - 3 Year
$1,000
3.44% ▲ 0.46% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.46% above avgNationally 2.81%
Details

Effective 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.44% APY
2.94%3.44%3.94%Oct 13, 2026: 3.44% APYOct 13, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
135 W Bay St, Jacksonville, FL 32202
36 Month Certificate
$0
3.41% ▲ 0.43% above Florida avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▲ 0.43% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term
$100,000
3.41% ▲ 0.43% above Florida avg
View
▼
Rate3.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.43% above avgNationally 2.81%
Details

Tier: Jumbo

Rate History
No change since Oct 13, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 13, 2026: 3.41% APYOct 13, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
36 Month Certificate
$500
3.40% ▲ 0.42% above Florida avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
36 Month Performance CD
$0
3.40% ▲ 0.42% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
36-Month Term Certificate
$0
3.40% ▲ 0.42% above Florida avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▲ 0.42% above avgNationally 2.81%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
36-Month Term Certificate
$0
3.35% ▲ 0.37% above Florida avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▲ 0.37% above avgNationally 2.81%
Details

Balance: $500-$2,499.99

Rate History
No change since Sep 24, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 24, 2026: 3.35% APYSep 24, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Member Merits (Gold) 36 Month Certificate
$0
3.30% ▲ 0.32% above Florida avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.32% above avgNationally 2.81%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
36 Month Certificate
$0
3.25% ▲ 0.27% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.27% above avgNationally 2.81%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Business 36 Month Certificate
$0
3.25% ▲ 0.27% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.27% above avgNationally 2.81%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term
$45,000
3.25% ▲ 0.27% above Florida avg
View
▼
Rate3.20%
Min Deposit$45,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.27% above avgNationally 2.81%
Details

Tier: Jr. Jumbo

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
10739 Deerwood Park Blvd, Jacksonville, FL 32256
36-Month CD
$500
3.20% ▲ 0.22% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▲ 0.22% above avgNationally 2.81%
Details

Earn 3.20% APY on balances of $500 or more.

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term
$500
3.20% ▲ 0.22% above Florida avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.22% above avgNationally 2.81%
Details

Tier: Standard

Rate History
No change since Oct 13, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 13, 2026: 3.20% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Member Merits (Gold) 36 Month Variable Rate Certificate
$0
3.15% ▲ 0.17% above Florida avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.17% above avgNationally 2.81%
Details

Variable Rate Certificate; Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; rate may change twice during the term

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
36 Month Variable Rate Certificate
$0
3.10% ▲ 0.12% above Florida avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.12% above avgNationally 2.81%
Details

Variable rate certificate; rate may adjust after issue date and will never be lower than rate earned on issue date; Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 14, 2026: 3.15% APYSep 18, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.10%▼ from 3.15%
  • Sep 14, 20263.15%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Business 36 Month Variable Rate Certificate
$0
3.10% ▲ 0.12% above Florida avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.12% above avgNationally 2.81%
Details

Variable rate: APY may change twice during the term, adjusting to current rate for like fixed term less a margin of .10% for 36 months; rate will never be lower than rate earned on issue date

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
3 Year Business CDs
$0
2.40% ▼ 0.58% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 0.58% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 6 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 14, 2026
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6611 DUNN AVE, JACKSONVILLE, FL 32218
36 Month Certificate of Deposit
$0
2.30% ▼ 0.68% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.98%▼ 0.68% below avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 2.30% APY · checked 5 times
1.80%2.30%2.80%Sep 20, 2026: 2.30% APYSep 20, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
36 Month Certificate
$500
1.81% ▼ 1.17% below Florida avg
View
▼
Rate1.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.98%▼ 1.17% below avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 1.81% ▼ 1.59 pts · high 3.40% / low 1.81%
0.23%2.61%4.99%Sep 14, 2026: 3.40% APYSep 18, 2026: 1.81% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20261.81%▼ from 3.40%
  • Sep 14, 20263.40%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
12100 Lem Turner Rd, Jacksonville, FL 32218
3 Year CD
$500
1.40% ▼ 1.58% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 1.58% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
3 Year Certificate
$0
1.00% ▼ 1.98% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 1.98% below avgNationally 2.81%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
3 Year TD Choice CD
$250
1.00% ▼ 1.98% below Florida avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 1.98% below avgNationally 2.81%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
Personal Goal Longer-Term Variable Rate Certificates (36-month or 60-month terms)
$0
1.00% ▼ 1.98% below Florida avg
View
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 1.98% below avgNationally 2.81%
Details

Balance: $7,500.01 and up

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
Personal Goal Longer-Term Variable Rate Certificates (36-month or 60-month terms)
$0
0.90% ▼ 2.08% below Florida avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 2.08% below avgNationally 2.81%
Details

Balance: $5,001-$7,500

Rate History
No change since Sep 24, 2026 · 0.90% APY · checked 5 times
0.40%0.90%1.40%Sep 24, 2026: 0.90% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
Personal Goal Longer-Term Variable Rate Certificates (36-month or 60-month terms)
$0
0.85% ▼ 2.13% below Florida avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 2.13% below avgNationally 2.81%
Details

Balance: $2,501-$5,000

Rate History
No change since Sep 24, 2026 · 0.85% APY · checked 5 times
0.35%0.85%1.35%Sep 24, 2026: 0.85% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
Personal Goal Longer-Term Variable Rate Certificates (36-month or 60-month terms)
$0
0.75% ▼ 2.23% below Florida avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.98%▼ 2.23% below avgNationally 2.81%
Details

Balance: $0.01 to $2,500

Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 24, 2026: 0.75% APYSep 24, 2026Oct 14, 2026

Jacksonville 48 Month CD Rates

Florida 48 Month CD Average2.95% APYNational 2.80%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.85% ▲ 0.90% above Florida avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.90% above avgNationally 2.80%
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.75% ▲ 0.80% above Florida avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details

Balance: $500,000-$749,999.99

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
4 Year Certificate
$1,000
3.75% ▲ 0.80% above Florida avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details

Balance: $1,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
48 Month Certificate
$1,000
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
48 Month IRA Certificate
$1,000
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
966 N Liberty St, Jacksonville, FL 32206
48 Month Certificate
$500
3.60% ▲ 0.65% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.65% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.55% ▲ 0.60% above Florida avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.60% above avgNationally 2.80%
Details

Balance: $250,000-$499,999.99

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.50% ▲ 0.55% above Florida avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.55% above avgNationally 2.80%
Details

Balance: $100,000-$249,999.99

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
48 Month Certificate
$500
3.45% ▲ 0.50% above Florida avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 0.50% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.45% ▲ 0.50% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.50% above avgNationally 2.80%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 24, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 24, 2026: 3.45% APYSep 24, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
48 Month Certificates of Deposit
$500
3.45% ▲ 0.50% above Florida avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.50% above avgNationally 2.80%
Details

Dividends Paid: Monthly

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
Certificate of Deposit - 48 months
$500
3.45% ▲ 0.50% above Florida avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.50% above avgNationally 2.80%
Details

Dividends paid monthly; Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
135 W Bay St, Jacksonville, FL 32202
48 Month Certificate
$0
3.41% ▲ 0.46% above Florida avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
48 Month Performance CD
$0
3.40% ▲ 0.45% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.45% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.35% ▲ 0.40% above Florida avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.40% above avgNationally 2.80%
Details

Balance: $500-$2,499.99

Rate History
No change since Sep 24, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 24, 2026: 3.35% APYSep 24, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
48 Month Jumbo Share Certificate
$75,000
3.35% ▲ 0.40% above Florida avg
View
▼
Rate3.29%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.40% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificate - 48 month
$40,000
3.30% ▲ 0.35% above Florida avg
View
▼
Rate3.25%
Min Deposit$40,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.35% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 8, 2026: 3.30% APYOct 8, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Member Merits (Gold) 48 Month Certificate
$0
3.30% ▲ 0.35% above Florida avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.35% above avgNationally 2.80%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
IRA Share Certificate - 48 month
$1,000
3.25% ▲ 0.30% above Florida avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.95%▲ 0.30% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
48 Month Certificate
$0
3.25% ▲ 0.30% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.30% above avgNationally 2.80%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Business 48 Month Certificate
$0
3.25% ▲ 0.30% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.30% above avgNationally 2.80%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
4 Year JUMBO Regular & IRA Certificates
$100,000
3.19% ▲ 0.24% above Florida avg
View
▼
Rate3.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.24% above avgNationally 2.80%
Details

Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000

Rate History
No change since Sep 14, 2026 · 3.19% APY · checked 7 times
2.69%3.19%3.69%Sep 14, 2026: 3.19% APYSep 14, 2026Oct 14, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
Regular & IRA Certificates - 4 Year
$1,000
3.09% ▲ 0.14% above Florida avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.14% above avgNationally 2.80%
Details

Effective 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 13, 2026: 3.09% APYOct 13, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
10739 Deerwood Park Blvd, Jacksonville, FL 32256
48-Month Certificate of Deposit
$500
3.05% ▲ 0.10% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 0.10% above avgNationally 2.80%
Details

Earn 3.05% APY on balances of $500 or more. Account matures in 48 months. It's easy to get started with a minimum opening balance of $500. Lock in a competitive rate for a 48-month term - regardless of changing interest rates. After 48 months, you can decide your next steps on your savings. Fund your CD with as much as $500,000 online and up to $1,000,000 in a branch.

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
4 Year Business CDs
$0
2.50% ▼ 0.45% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 0.45% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
48 Month Certificate
$500
1.92% ▼ 1.03% below Florida avg
View
▼
Rate1.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▼ 1.03% below avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 1.92% ▼ 1.54 pts · high 3.45% / low 1.92%
0.38%2.68%4.99%Sep 14, 2026: 3.45% APYSep 18, 2026: 1.92% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20261.92%▼ from 3.45%
  • Sep 14, 20263.45%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
12100 Lem Turner Rd, Jacksonville, FL 32218
4 Year CD
$500
1.15% ▼ 1.80% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 1.80% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 7 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 14, 2026
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL 32256
Business 4-Year
$0
0.55% ▼ 2.40% below Florida avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▼ 2.40% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 6 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
4-Year CD
$0
0.50% ▼ 2.45% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▼ 2.45% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
4-Year Term
$1,000
0.50% ▼ 2.45% below Florida avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▼ 2.45% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
4-Year RampUp
$50,000
0.25% ▼ 2.70% below Florida avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▼ 2.70% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
4 Year CD
$500
0.15% ▼ 2.80% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 2.80% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
48 Month Certificate of Deposit
$0
0.03% ▼ 2.92% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 2.92% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
48 Month Certificate of Deposit
$0
0.02% ▼ 2.93% below Florida avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 2.93% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
48 Month Certificate of Deposit
$0
0.01% ▼ 2.94% below Florida avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▼ 2.94% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
48 Month Certificate
$2,000
5.10% ▲ 2.15% above Florida avg
View
▼
Rate4.97%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 2.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 5.10% APY · checked 2 times
4.60%5.10%5.60%Oct 7, 2026: 5.10% APYOct 7, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Certificate
$0
4.95% ▲ 2.00% above Florida avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 2.00% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.95% APY · checked 2 times
4.45%4.95%5.45%Oct 6, 2026: 4.95% APYOct 6, 2026Oct 14, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$0
4.70% ▲ 1.75% above Florida avg
View
▼
Rate4.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 1.75% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.25% ▲ 1.30% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.30% above avgNationally 2.80%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Jumbo Certificate
$0
4.25% ▲ 1.30% above Florida avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.30% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 14, 2026: 3.95% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 48 Month
$0
4.20% ▲ 1.25% above Florida avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average2.95%▲ 1.25% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.20% ▲ 1.25% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.25% above avgNationally 2.80%
Details

Interest Frequency: Monthly

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 14, 2026
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month View Today's Full List of CD Offerings here
$100,000
4.15% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD
$0
4.15% ▲ 1.20% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$1,000
4.15% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48-Month IRA
$1,000
4.15% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15% ▲ 1.20% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Certificate
$0
4.15% ▲ 1.20% above Florida avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$100,000
4.13% ▲ 1.18% above Florida avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.18% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.13%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month Certificate
$1,000
4.07% ▲ 1.12% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.95%▲ 1.12% above avgNationally 2.80%
Details

Rate History
1 change since Sep 22, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 22, 2026: 3.87% APYOct 10, 2026: 4.07% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.07%▲ from 3.87%
  • Sep 22, 20263.87%first recorded

Jacksonville 60 Month CD Rates

Florida 60 Month CD Average3.21% APYNational 2.91%▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
60 Month Term CD - Super Jumbo Max
$1,000,000
4.18% ▲ 0.97% above Florida avg
View
▼
Rate4.10%
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.97% above avgNationally 2.91%
Details

Regular CD; Tier: Super Jumbo Max

Rate History
No change since Oct 13, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 13, 2026: 4.18% APYOct 13, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
60 Month Term CD - Super Jumbo Plus
$750,000
3.92% ▲ 0.71% above Florida avg
View
▼
Rate3.85%
Min Deposit$750,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.71% above avgNationally 2.91%
Details

Regular CD; Tier: Super Jumbo Plus

Rate History
No change since Oct 13, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 13, 2026: 3.92% APYOct 13, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6100 Collins Rd, Jacksonville, FL 32244
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.69% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 0.69% above avgNationally 2.91%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
6100 Collins Rd, Jacksonville, FL 32244
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.64% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 0.64% above avgNationally 2.91%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
60-Month Term Certificate
$0
3.80% ▲ 0.59% above Florida avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▲ 0.59% above avgNationally 2.91%
Details

Balance: $750,000-$999,999.99

Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 24, 2026: 3.80% APYSep 24, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
60-Month Term Certificate
$0
3.70% ▲ 0.49% above Florida avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▲ 0.49% above avgNationally 2.91%
Details

Balance: $250,000-$499,999.99

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 14, 2026
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
4500 San Pablo Rd S, Jacksonville, FL 32224 1865
5 Year Certificate
$1,000
3.70% ▲ 0.49% above Florida avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.49% above avgNationally 2.91%
Details

Balance: $1,000.00 and over; Regular or IRA certificate; Early withdrawal penalty may apply

Rate History
No change since Sep 29, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 29, 2026: 3.70% APYSep 29, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
60 Month Term CD - Super Jumbo
$500,000
3.67% ▲ 0.46% above Florida avg
View
▼
Rate3.60%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.46% above avgNationally 2.91%
Details

Regular CD; Tier: Super Jumbo

Rate History
No change since Oct 13, 2026 · 3.67% APY
3.17%3.67%4.17%Oct 13, 2026: 3.67% APYOct 13, 2026Oct 14, 2026
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
966 N Liberty St, Jacksonville, FL 32206
60 Month Certificate
$500
3.60% ▲ 0.39% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 0.39% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Metro North Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
310 Dundas Dr, jacksonville, FL 32218 5588
CD - 60 months
$500
3.59% ▲ 0.38% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▲ 0.38% above avgNationally 2.91%
Details

Rate column header not shown on page; value listed as printed

Rate History
No change since Oct 12, 2026 · 3.59% APY
3.09%3.59%4.09%Oct 12, 2026: 3.59% APYOct 12, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
60-Month Term Certificate
$0
3.55% ▲ 0.34% above Florida avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▲ 0.34% above avgNationally 2.91%
Details

Balance: $100,000-$249,999.99

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
60 Month Certificate
$500
3.50% ▲ 0.29% above Florida avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
60-Month Term Certificate
$0
3.50% ▲ 0.29% above Florida avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details

Balance: $50,000-$99,999.99

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
60 Month Certificate
$1,000
3.50% ▲ 0.29% above Florida avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
500 W 1st St, Jacksonville, FL 32202 3939
60 Month IRA Certificate
$1,000
3.50% ▲ 0.29% above Florida avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
60 Month Certificates of Deposit
$500
3.50% ▲ 0.29% above Florida avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details

Dividends Paid: Monthly

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 14, 2026
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9790 Touchton Rd, Jacksonville, FL 32246
Certificate of Deposit - 60 months
$500
3.50% ▲ 0.29% above Florida avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details

Dividends paid monthly; Penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
5 Year JUMBO Regular & IRA Certificates
$100,000
3.44% ▲ 0.23% above Florida avg
View
▼
Rate3.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.23% above avgNationally 2.91%
Details

Required Minimum Amounts: To Open Account $100,000; To Earn APY $100,000

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
135 W Bay St, Jacksonville, FL 32202
60 Month Certificate
$0
3.41% ▲ 0.20% above Florida avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▲ 0.20% above avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9987 Pritchard Rd, Jacksonville, FL 32219 2894
60 Month Term Share Certificate
$50,000
3.41% ▲ 0.20% above Florida avg
View
▼
Rate3.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.20% above avgNationally 2.91%
Details

Minimum $50,000.00

Rate History
2 changes since Sep 18, 2026 · 3.41% → 3.41% ▼ 0.00 pts · high 3.41% / low 3.36%
2.86%3.39%3.91%Sep 18, 2026: 3.41% APYOct 5, 2026: 3.36% APYOct 9, 2026: 3.41% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.41%▲ from 3.36%
  • Oct 5, 20263.36%▼ from 3.41%
  • Sep 18, 20263.41%first recorded
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
60 Month Term CD - Jumbo Plus
$250,000
3.41% ▲ 0.20% above Florida avg
View
▼
Rate3.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.20% above avgNationally 2.91%
Details

Regular CD; Tier: Jumbo Plus

Rate History
No change since Oct 13, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 13, 2026: 3.41% APYOct 13, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
3.5-Year Bump Rate CD
$0
3.40% ▲ 0.19% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▲ 0.19% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
60 Month Performance CD
$0
3.40% ▲ 0.19% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▲ 0.19% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 14, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
9987 Pritchard Rd, Jacksonville, FL 32219 2894
60 Month Term Share Certificate
$1,000
3.36% ▲ 0.15% above Florida avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.15% above avgNationally 2.91%
Details

Minimum $1,000.00; Rates effective as of 10/01/2026

Rate History
3 changes since Sep 18, 2026 · 3.41% → 3.36% ▼ 0.05 pts · high 3.41% / low 3.36%
2.86%3.39%3.91%Sep 18, 2026: 3.41% APYOct 5, 2026: 3.36% APYOct 9, 2026: 3.41% APYOct 13, 2026: 3.36% APYSep 18, 2026Oct 14, 2026
  • Oct 13, 20263.36%▼ from 3.41%
  • Oct 9, 20263.41%▲ from 3.36%
  • Oct 5, 20263.36%▼ from 3.41%
  • Sep 18, 20263.41%first recorded
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
562 Park St, Jacksonville, FL 32204 2918
60-Month Term Certificate
$0
3.35% ▲ 0.14% above Florida avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▲ 0.14% above avgNationally 2.91%
Details

Balance: $500-$2,499.99

Rate History
No change since Sep 24, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 24, 2026: 3.35% APYSep 24, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
60 Month Jumbo Share Certificate
$75,000
3.35% ▲ 0.14% above Florida avg
View
▼
Rate3.29%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▲ 0.14% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 14, 2026
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
9730 Hutchinson Park Dr, Jacksonville, FL 32225
Regular & IRA Certificates - 5 Year
$1,000
3.34% ▲ 0.13% above Florida avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.13% above avgNationally 2.91%
Details

Effective 10/1/2026

Rate History
No change since Oct 13, 2026 · 3.34% APY
2.84%3.34%3.84%Oct 13, 2026: 3.34% APYOct 13, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificate - 60 month
$40,000
3.30% ▲ 0.09% above Florida avg
View
▼
Rate3.25%
Min Deposit$40,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▲ 0.09% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 8, 2026: 3.30% APYOct 8, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Member Merits (Gold) 60 Month Certificate
$0
3.30% ▲ 0.09% above Florida avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.09% above avgNationally 2.91%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
60 Month Term CD - Jumbo
$100,000
3.30% ▲ 0.09% above Florida avg
View
▼
Rate3.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.09% above avgNationally 2.91%
Details

Regular CD; Tier: Jumbo

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4651 Emerson St, Jacksonville, FL 32207
IRA Share Certificate - 60 month
$1,000
3.25% ▲ 0.04% above Florida avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▲ 0.04% above avgNationally 2.91%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
60 Month Certificate
$0
3.25% ▲ 0.04% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.04% above avgNationally 2.91%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Business 60 Month Certificate
$0
3.25% ▲ 0.04% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.04% above avgNationally 2.91%
Details

Dividend Rate column for Business Certificate of Deposit (CD) Rates

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
60 Month Term CD - Jr. Jumbo
$45,000
3.25% ▲ 0.04% above Florida avg
View
▼
Rate3.20%
Min Deposit$45,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.04% above avgNationally 2.91%
Details

Regular CD; Tier: Jr. Jumbo

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Member Merits (Gold) 60 Month Variable Rate Certificate
$0
3.15% ▼ 0.06% below Florida avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.06% below avgNationally 2.91%
Details

Variable Rate Certificate; Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; rate may change twice during the term

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
60 Month Term CD - Standard
$500
3.15% ▼ 0.06% below Florida avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.06% below avgNationally 2.91%
Details

Regular CD; Tier: Standard

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
60 Month Variable Rate Certificate
$0
3.10% ▼ 0.11% below Florida avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.11% below avgNationally 2.91%
Details

Variable rate certificate; rate may adjust after issue date and will never be lower than rate earned on issue date; Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 14, 2026: 3.15% APYSep 18, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.10%▼ from 3.15%
  • Sep 14, 20263.15%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
155 Busch Dr, Jacksonville, FL 32218 5546
Business 60 Month Variable Rate Certificate
$0
3.10% ▼ 0.11% below Florida avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.11% below avgNationally 2.91%
Details

Variable rate: APY may change twice during the term, adjusting to current rate for like fixed term less a margin of .25% for 60 months; rate will never be lower than rate earned on issue date

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 60 Month Term - Standard
$500
3.05% ▼ 0.16% below Florida avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.16% below avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 13, 2026: 3.05% APYOct 13, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
5 Year Business CDs
$0
2.50% ▼ 0.71% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 0.71% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
4211 San Juan Ave, Jacksonville, FL 32210
2.5 Year Business CDs
$0
2.30% ▼ 0.91% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 0.91% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 2.30% APY · checked 6 times
1.80%2.30%2.80%Sep 18, 2026: 2.30% APYSep 18, 2026Oct 14, 2026
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2205 Haines St, Jacksonville, FL 32206 3301
60 Month Certificate
$500
2.02% ▼ 1.19% below Florida avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▼ 1.19% below avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 2.02% ▼ 1.49 pts · high 3.51% / low 2.02%
0.53%2.76%4.99%Sep 14, 2026: 3.51% APYSep 18, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20262.02%▼ from 3.51%
  • Sep 14, 20263.51%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
12100 Lem Turner Rd, Jacksonville, FL 32218
5 Year CD
$500
1.25% ▼ 1.96% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 1.96% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
5 Year Certificate
$0
1.00% ▼ 2.21% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 2.21% below avgNationally 2.91%
Details

Balance: $250.00 - $9,999.99; Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
10304 San Jose Blvd, Jacksonville, FL 32257
5 Year TD Choice CD
$250
1.00% ▼ 2.21% below Florida avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 2.21% below avgNationally 2.91%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
5-Year CD
$0
0.50% ▼ 2.71% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▼ 2.71% below avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4300 San Pablo Pkwy, Jacksonville, FL 32224
5-Year Term
$1,000
0.50% ▼ 2.71% below Florida avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average3.21%▼ 2.71% below avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
60 Month Certificate of Deposit
$0
0.03% ▼ 3.18% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 3.18% below avgNationally 2.91%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
60 Month Certificate of Deposit
$0
0.02% ▼ 3.19% below Florida avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 3.19% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3740 Beach Blvd Ste 101, Jacksonville, FL 32207
60 Month Certificate of Deposit
$0
0.01% ▼ 3.20% below Florida avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Florida Average3.21%▼ 3.20% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
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.

Top CD Rates from Jacksonville, Florida Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
EverBank
24 Month Performance CD
A+ 5.0 ★ TX: 5.00%
Min: $0
4.35%
Hancock Whitney Bank
24-month CD
A+ 5.0 ★ TX: 3.41%
Min: $0
4.25%
Crescent Bank
24-month CD
A+ 5.0 ★ TX: 3.24%
Min: $1,000
4.25%
CIT Bank
1-Year CD
A 5.0 ★ TX: 7.72%
Min: $0
4.00%
Seacoast National Bank
12-Month CD
A+ 5.0 ★ TX: 2.72%
Min: $0
3.75%
CU Top 5 Credit Union Rates
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Community First Credit Union Of Florida
60 Month Term CD - Super Jumbo Max
A+ 5.0 ★ TX: 3.41%
Min: $1,000,000
4.18%
RadiFi Credit Union
12-Month Term Certificate
A+ 5.0 ★ TX: 3.41%
Min: $0
4.05%
Mayo Employees Federal Credit Union
1 Year Certificate
A+ 5.0 ★ TX: 0.16%
Min: $1,000
3.91%
First Florida Credit Union
36 Month Certificate
A+ 5.0 ★ TX: 3.47%
Min: $1,000
3.90%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Jacksonville, FL CD Rate Trends

Compare local Jacksonville, 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.

View Full Florida CD Trends
12-Month CD FL Avg
3.218%
▲ 0.012 vs 7 days ago

Florida 12-month CD rates rose 0.012 points over the past 7 days to 3.218% APY.

6-Month CD FL Avg
3.060%
▼ 0.002 vs 7 days ago

Florida 6-month CD rates fell 0.002 points over the past 7 days to 3.060% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

FL CD Rate Forecast, Next 12 Months

Where are Florida CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

FL 12-Month Avg APY
3.218%
6-Month Forecast
3.218%
Range: 3.02%, 3.37%
12-Month Forecast
3.468%
Range: 3.27%, 3.62%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Florida average 12-month CD APY in our database.

Spread model: The Florida 12-month CD average currently trades 1.16% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.076% $103.78 $207.56 $518.90 $1,037.80
6-Month CD 3.060% $153.02 $306.03 $765.07 $1,530.15
12-Month CD 3.218% $160.91 $321.81 $804.53 $1,609.05
18-Month CD 3.268% $163.42 $326.84 $817.10 $1,634.20
24-Month CD 3.163% $158.16 $316.32 $790.80 $1,581.60
36-Month CD 2.980% $148.99 $297.98 $744.95 $1,489.90
48-Month CD 2.950% $147.50 $294.99 $737.48 $1,474.95
60-Month CD 3.208% $160.39 $320.79 $801.97 $1,603.95
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Jacksonville, 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.

Build Your Ladder
Rung Term Deposit FL Avg APY Annual Earnings
1 3-Month CD $5,000 2.076% $103.78
2 6-Month CD $5,000 3.060% $153.02
3 12-Month CD $5,000 3.218% $160.91
4 24-Month CD $5,000 3.163% $158.16
5 36-Month CD $5,000 2.980% $148.99
Total ($25,000 invested) $25,000 2.899% blended $724.86/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.

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1,952
CD Rates
Tracked in Jacksonville, Florida
38 Banks 58 Credit Unions

About Our Jacksonville, Florida CD Rate Database

MonitorBankRates tracks 1,952 CD rates from 38 banks and 58 credit unions with locations in Jacksonville, 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 to 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: Navy Federal Credit Union offers a CD at 4.35% APY with a minimum deposit of $50. Use the rate table above to compare all current offers in Jacksonville, Florida.

How to Find the Best CD Rates in Jacksonville, Florida

What to compare when shopping for a CD in Jacksonville, Florida

To find the best APYs in Jacksonville, Florida, start with credit unions and online-only banks: Jacksonville, Florida has 58 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 Jacksonville, 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 Jacksonville, Florida: 96 institutions here report CD rates

Consider an Alternative If…

Jacksonville, Florida Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
14.9%
National avg: 17.3%
Median Individual Earnings
$41,276
National avg: $47,340
Poverty Rate
14.5%
National avg: 11.1%
Unemployment Rate
4.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$133/yr
At FL 12-mo avg 3.218% APY

14.9% of residents are 65 or older, below the national average of 17.3%. At today’s FL 12-month CD average of 3.218%, saving 10% of the local median salary ($4,127/year) and putting it in a CD would earn an additional $133 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 Jacksonville, 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 to 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, Florida as everywhere in the U.S.

Choosing a CD Term in Jacksonville, 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 Jacksonville, Florida savers easier access to their funds. For example, Mayo Employees Federal Credit Union is offering its 6 Month Certificate at 3.80% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Community First Credit Union Of Florida is offering its 60 Month Term CD - Super Jumbo Max at 4.18% 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, Florida

Most CDs carry a fixed rate that is locked for the entire term, protecting a Jacksonville, 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 Jacksonville, Florida

Are CD rates in Jacksonville, Florida FDIC insured?

Yes, most established banks in Jacksonville, 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, Florida?

Here are recent top rates found for this area:
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • EverBank: 4.35% APY (24 Month Performance CD)
  • Hancock Whitney Bank: 4.25% APY (24-month CD)
  • Crescent Bank: 4.25% APY (24-month CD)
  • Community First Credit Union Of Florida: 4.18% APY (60 Month Term CD - Super Jumbo Max)
  • RadiFi Credit Union: 4.05% APY (12-Month Term Certificate)
  • CIT Bank: 4.00% APY (1-Year CD)
  • Mayo Employees Federal Credit Union: 3.91% APY (1 Year Certificate)
  • First Florida Credit Union: 3.90% APY (36 Month Certificate)
  • Coastline Federal Credit Union: 3.85% APY (12 Month Jumbo Share Certificate)
Rates reflect recent verified offers available in Jacksonville, Florida. Last Updated: October 13, 2026

Jacksonville, Florida CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Jacksonville, Florida rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Jacksonville, Florida CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Jacksonville, Florida. Averages shown use the Florida state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Jacksonville, Florida

Jacksonville, Florida CD Calculator

At today’s FL top rate of 4.35% APY, a $10,000 deposit earns $435 in the first year. Enter your amount to see your exact return.

Jacksonville, Florida CD Ladder

FL CD rates currently range from 2.076% (3-month) to 2.980% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Jacksonville, Florida CD at 4.35% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Florida’s average 12-month CD is 3.218% 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 Jacksonville, 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 Jacksonville, 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 Jacksonville, 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: October 13, 2026

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