CD Rates Lake Hamilton, Florida (FL) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Lake Hamilton, Florida CD rates include Waterfall BankWaterfall BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.65%APY minus CPI (February 2026) offering 6-MONTH CERTIFICATE OF DEPOSIT at 4.45% APY, Tru Fi-Credit UnionTru Fi-Credit UnionA+5.0 ★Texas Ratio: 0.36%Real return: +1.53%APY minus CPI (February 2026) offering Tru Certificates of Deposit Teen 12 Month Special at 4.33% APY, Raymond James BankRaymond James BankA+5.0 ★Texas Ratio: 3.67%Real return: +1.45%APY minus CPI (February 2026) offering 60 Months Certificates of Deposit (CDs) at 4.25% APY, U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 2.27%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, and United Fidelity BankUnited Fidelity BankA+5.0 ★Texas Ratio: 0.81%Real return: +1.40%APY minus CPI (February 2026) offering 6-Month CD Term at 4.20% APY. CD rates as of April 20, 2026 according to verified data from MonitorBankRates.
Lake Hamilton is a smaller community with no bank or credit union branches currently in our database. 619 institutions serving the Florida area are available to Lake Hamilton residents, with CD rates as high as 4.45% APY from Waterfall Bank. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 20, 2026
Compare Best CD Rates in Lake Hamilton, Florida & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Available for current 3-Month CD clients only:
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Annual Percentage Yield (APY). The interest rate and APY are effective as of April 16, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days' interest. For a 6-month term, the penalty is 3 months' interest. For a term from 7-12 months, the penalty is 6 months' interest. For a term of 13 or more months, the penalty is 12 months' interest. Fees could reduce earnings on the account. Additional restrictions may apply.
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 3 Months
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 3 Months
$0
3.29%
▼
Rate3.24%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3-Month CD (Certificate of Deposit)
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3-Month Term Certificate
$1,000,000
3.25%
▼
Rate3.20%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3 Months Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
92 days / 3 month Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Relationship
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3 months Compounding Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
90 Days Certificates of Deposit (CDs)
$2,000
2.90%
▼
Rate2.86%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
A penalty may be imposed for early withdrawal.
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
90 Days Certificate of Deposit
$500
2.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and above
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo Term Share Certificates 3 Months
$0
2.60%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
3 Months Share Certificates
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 month Certificate Account
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3 Month Term Certificate
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
Certificates of Deposit (CDs) 3 Months
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
3 Months Certificate of Deposit
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 3-Month
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3 month Share Certificates
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months Certificate
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
3-Month Certificates and IRA Certificates
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Bank of Pensacola
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposits 3 Months
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Harvesters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
Certificate of Deposit 3 Months
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Personal Certificates of Deposit 90 Days
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
90 Day Certificate of Deposits
$0
0.07%
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Early withdrawal penalties may apply
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
3 Month Certificate of Deposit
$1,000
0.03%
▼
Rate0.03%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Waterfall Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-MONTH CERTIFICATE OF DEPOSIT
$50,000
4.45%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
New money only. New money is defined as money not currently deposited with Waterfall Bank. Fees could reduce earnings. Promotion may end at any time at Waterfall Bank's discretion. Penalties apply for early withdrawal.
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Fixed Rate Jumbo Certificates 6 Months
$50,000
4.13%
▼
Rate4.05%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6 month IRA CD
$100,000
4.10%
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 month Certificate Account
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Limited Time
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Months Certificates of Deposit (CDs)
$2,000
3.95%
▼
Rate3.87%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
New money only.
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6-Month Certificates and IRA Certificates
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Miami Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Share Jumbo Certificates 6 Months
$10,000
3.80%
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates.
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 month term
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit - 100,000 6 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$75,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6-Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
6 Months Certificate
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6-Month IRA Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 6 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6 Month SaveUP CD Super Jumbo Max
$1,000,000
3.56%
▼
Rate3.50%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
6-Month IRA Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Call for Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Months Certificate
$0
3.52%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6-Month Jumbo Term Share Certificates
$100,000
3.51%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 6 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Mini-Jumbo Certificate 6-Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $50,000
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
6 Month Share Certificate Accounts
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
A penalty may be imposed for early withdrawal.
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Special promotion. See disclosures at bottom of page.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Relationship
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
6-Month Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
6 month CD & IRA CD
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 6 Months
$0
3.44%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Months Certificates and CD IRAs
$20,000
3.40%
▼
Rate3.35%
Min Deposit$20,000
Min Balance—
UpdatedApr 20, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
6 Month Term Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
6 Months Certificate of Deposit
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit Teen 12 Month Special
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
*Max Amount $2,500
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12 Month CD
$1,000
4.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum balance to open is $1,000 . Dividends compounded/paid monthly
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Fixed Rate Jumbo Certificates 12 Months
$50,000
4.08%
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Youth Advantage - 12 Month Term Super Jumbo Max
$1,000,000
4.08%
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12-Month Term Certificate
$1,000,000
4.05%
▼
Rate3.98%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Months Certificates of Deposit (CDs)
$2,000
4.00%
▼
Rate3.92%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
12-month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedApr 20, 2026
Details
Online-only high-yield rates.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
12 Month IRA Share Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Waterfall Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-MONTH CERTIFICATE OF DEPOSIT
$50,000
4.00%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
New money only. New money is defined as money not currently deposited with Waterfall Bank. Fees could reduce earnings. Promotion may end at any time at Waterfall Bank's discretion. Penalties apply for early withdrawal.
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
12-Month Share Certificate Account
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$10,000 - $49,999.99
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12-Month Certificates and IRA Certificates
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
12 Month Certificate of Deposit
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo 12 Month Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum $75,000
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Relationship
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 12 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
12-Month Term Share Certificates Starter Rate
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Starter Rate $500 min & max deposit*
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
12 Months Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
COMPASS FINANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificates of Deposit - Limited Time Promotion 12 Month
$100,000
3.75%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 1 Year
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12 month term
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
12 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12-Mo. Jumbo Promo. Cert.
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 min.; Additional terms available.; Offer ends April 20, 2026.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
12 Months Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 12 Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 year Certificate
$0
3.61%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
12 Months (Includes IRA CD) Certificate of Deposit
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
12 month CD
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
12-Month IRA Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Call for Details
Miami Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Share IRA Certificates 12 Months
$200
3.55%
▼
Rate3.50%
Min Deposit$200
Min Balance—
UpdatedApr 20, 2026
Details
Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 12 Months
$0
3.54%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 12 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
12 Month IRA Certificate Accounts
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
12-Month IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
12-Month CD
$1,000
3.49%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
Share Certificate 18 Month Market Watch
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
18 Month IRA Share Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Months Certificates of Deposit (CDs)
$2,000
4.00%
▼
Rate3.92%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 18 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Relationship
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
18 Months Certificate
$0
3.52%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
548 days / 18 month Share Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
18 Months Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Share Certificates 18 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18-Mo. Jumbo Promo. Certificate
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Offer ends April 20, 2026.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month IRA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit - 100,000 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$75,000
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Certificates of Deposit - Pulse Certificate 18 months
$100
3.40%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 18 Months
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
18 month IRA CD
$100,000
3.35%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 18-Month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
18 month CD & IRA CD
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 18 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
18 Month Share Certificate Accounts
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
A penalty may be imposed for early withdrawal.
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
18 Month Certificate and IRA Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
18 month term
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
18 months Compounding Share Certificates
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
18 Month Bump Up Share Certificate
$0
3.14%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SPECIAL Share Certificate Rates
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18-Month Jumbo Term Share Certificates
$100,000
3.09%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
18 month Share Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
Certificates of Deposit (CDs) 18 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
18-Month Term Certificate
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Miami Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
Share Jumbo Certificates 18 Months
$10,000
3.03%
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
18 Months Share Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Months Term Share Certificates
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 18-Month
$1,000
2.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18-Month IRA Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
18 Months Share Certificates
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 month Certificate Account
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
EMERALD COAST
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share & IRA Certificates 18 Months
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
24 Months Certificates of Deposit (CDs)
$2,000
4.10%
▼
Rate4.02%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Fixed Rate Jumbo Certificates 24 Months
$50,000
3.98%
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 24 month
$40,000
3.95%
▼
Rate3.87%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
24 Month IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
24 month IRA CD
$100,000
3.85%
▼
Rate3.78%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
24-Month Term Certificate
$750,000
3.85%
▼
Rate3.78%
Min Deposit$750,000
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
24-Month Share Certificate Account
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
$1,000-$9,999
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 2 Year
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Relationship
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 24 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Months Certificate
$0
3.52%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2 Year Certificate Accounts
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit - 100,000 24 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$75,000
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
24 Months Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 24 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Month IRA
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
24 Month Term Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Certificates of Deposit - Pulse Certificate 24 months
$100
3.44%
▼
Rate3.39%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
24 Months Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
24 Month Millionaire Certificate
$1,000,000
3.40%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
730 days / 24 month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 24 Months
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
2 years Certificate
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Star/IRA Certificates 24 Month
$0
3.31%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
24 month CD & IRA CD
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
24-Month IRA Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Call for Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
2-Year Share Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
24 Month IRA Certificate Accounts
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 2-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
24 Months Certificates and CD IRAs
$20,000
3.14%
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedApr 20, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
24 months Compounding Share Certificates
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
24 month Share IRA Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
Certificates of Deposit (CDs) 24 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
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: 4.11%
Adjustable 36 Month Term Super Jumbo Max
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
36 Months Certificates of Deposit (CDs)
$2,000
4.15%
▼
Rate4.07%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 MONTH CERTIFICATE
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
36 Months Fixed Rate Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
36 Month IRA Share Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 36 month
$40,000
3.64%
▼
Rate3.58%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Relationship
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
36 Month Term Jumbo Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
36-Month Term Certificate
$750,000
3.55%
▼
Rate3.49%
Min Deposit$750,000
Min Balance—
UpdatedApr 20, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 3 Year
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
36 month IRA CD
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
36 Month IRA CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 36-Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
36-Month Share Certificate Account
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Months Certificate
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1095 days / 36 month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit - 100,000 36 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$75,000
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 years Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 36 Months
$0
3.39%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
3-year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3-Year Share Certificate
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
36 Months Certificate
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 3-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 Month BUMP Share Certificates
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
36 Months Certificates and CD IRAs
$20,000
3.14%
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and above
Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
Certificates of Deposit (CDs) 36 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
36-Month IRA Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Call for Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
36 Month IRA Certificate Accounts
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
36 Months (Includes IRA CD) Certificate of Deposit
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
36 months Compounding Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
36-Month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
36 months Share Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
IncredibleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
36 Month CD, Traditional IRA and Roth IRA
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
48 Months Certificates of Deposit (CDs)
$2,000
4.25%
▼
Rate4.16%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
48-Month Term Certificate
$750,000
3.85%
▼
Rate3.78%
Min Deposit$750,000
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
48 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
48 Months Fixed Rate Certificates
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
48 Month Term Jumbo Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
48 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 48-Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Relationship
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 48 month
$40,000
3.50%
▼
Rate3.44%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1460 days / 48 month Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
4-Year Share Certificate
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit - 100,000 48 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$75,000
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
48 months Share Certificate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 4-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 4 Year
$100,000
3.19%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and above
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
48 month IRA CD
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Months (Includes IRA CD) Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo Term Share Certificates 4 Years
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
48 Months Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4 years Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
4 Year Certificate Accounts
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
48 Month Share Certificate Accounts
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
A penalty may be imposed for early withdrawal.
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
48 month CD & IRA CD
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
48 month Certificate Account
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 48 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Early Withdrawal Penalty: 270 Days' Dividends
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
48 Months Certificate of Deposit
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48-Month IRA Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 48 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
48 month term
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Keys Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.39%
Share Certificates & IRA Certificates 48 Months
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
4-Year Certificate of Deposit (CD)
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate and IRA Certificates
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48-Month IRA Certificate
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
60 Months Certificates of Deposit (CDs)
$2,000
4.25%
▼
Rate4.16%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Super Jumbo Max 60 Month Term
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
60 Month IRA CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$100,000
3.92%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo 60 Month Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum $75,000
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
60-Month Term Certificate
$750,000
3.80%
▼
Rate3.73%
Min Deposit$750,000
Min Balance—
UpdatedApr 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Relationship
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
60 months Certificate Account
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month IRA
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum to open & earn dividends: $100,000
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
60 Month Term Jumbo Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
60 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
60 Months Fixed Rate Certificates
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 60 Months
$0
3.54%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Keys Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.39%
Share Certificates & IRA Certificates 60 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
60 months Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 60-Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 5 Year
$100,000
3.44%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
60 Months Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 60 month
$40,000
3.40%
▼
Rate3.34%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
5-Year Share Certificate
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Star/IRA Certificates 60 Month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
60 MONTH CERTIFICATE
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Share Certificate 60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1825 days / 60 month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
60-Month Share Certificate Account
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 5 years
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and above
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 5-Year Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 60 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
60 month IRA CD
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit - 100,000 60 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$75,000
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
60 Months Certificates and CD IRAs
$20,000
3.14%
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo Term Share Certificates 5 Years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
60 Months (Includes IRA CD) Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
60 Month Certificate
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
60-Month IRA Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Call for Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
60-Month CD
$1,000
3.01%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Lake Hamilton, FL CD Rate Trends
Compare local Lake Hamilton, FL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — FL Avg
2.321%
▼ 0.221 vs 7 days ago
Florida 12-month CD rates fell 0.221 points over the past 7 days to 2.321% APY.
6-Month CD — FL Avg
1.880%
▼ 0.486 vs 7 days ago
Florida 6-month CD rates fell 0.486 points over the past 7 days to 1.880% APY.
As of Apr 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
FL CD Rate Forecast — Next 12 Months
Where are Florida CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
FL 12-Month Avg APY
2.321%
6-Month Forecast
2.321%
Range: 2.12% – 2.47%
12-Month Forecast
2.071%
Range: 1.87% – 2.22%
Powered by
MonitorBankRates
What Your Savings Earn at FL CD Rates Today
Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.
| CD Term | FL Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.456% | $72.82 | $145.64 | $364.10 | $728.20 |
| 6-Month CD | 1.880% | $93.99 | $187.97 | $469.93 | $939.85 |
| 12-Month CD | 2.321% | $116.06 | $232.12 | $580.30 | $1,160.60 |
| 18-Month CD | 2.573% | $128.65 | $257.30 | $643.25 | $1,286.50 |
| 24-Month CD | 2.695% | $134.74 | $269.47 | $673.68 | $1,347.35 |
| 36-Month CD | 2.680% | $133.98 | $267.96 | $669.90 | $1,339.80 |
| 48-Month CD | 2.899% | $144.97 | $289.93 | $724.83 | $1,449.65 |
| 60-Month CD | 2.731% | $136.54 | $273.07 | $682.68 | $1,365.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 20, 2026. | |||||
Sample CD Ladder for Lake Hamilton, Florida Savers
$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | FL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.456% | $72.82 |
| 2 | 6-Month CD | $5,000 | 1.880% | $93.99 |
| 3 | 12-Month CD | $5,000 | 2.321% | $116.06 |
| 4 | 24-Month CD | $5,000 | 2.695% | $134.74 |
| 5 | 36-Month CD | $5,000 | 2.680% | $133.98 |
| Total ($25,000 invested) | $25,000 | 2.206% blended | $551.59/yr | |
Ladder example uses equal $5,000 rungs and Florida average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
122
Institutions
in Lake Hamilton, Florida
in Lake Hamilton, Florida
46 Banks
76 Credit Unions
About Our Lake Hamilton, Florida CD Rate Database
MonitorBankRates tracks CD rates from 46 banks and 76 credit unions with locations in Lake Hamilton, Florida, plus national online institutions available to Florida residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Waterfall Bank offers a CD at 4.45% APY with a minimum deposit of $50,000. Use the rate table above to compare all current offers in Lake Hamilton, Florida.
How to Find the Best CD Rates in Lake Hamilton, Florida
What to compare when shopping for a CD in Lake Hamilton, Florida
To find the best APYs in Lake Hamilton, Florida, start with credit unions and online-only banks — Lake Hamilton, Florida has 76 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 Lake Hamilton, 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 Lake Hamilton, Florida — 122 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Lake Hamilton, Florida savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Lake Hamilton, Florida money market rates
Lake Hamilton, Florida Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
22.7%
National avg: 17.3%
Median Individual Earnings
$40,906
National avg: $47,340
Poverty Rate
26.9%
National avg: 11.1%
Unemployment Rate
1.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$95/yr
At FL 12-mo avg 2.321% APY
22.7% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 1.1% reflects a strong local economy. At today’s FL 12-month CD average of 2.321%, saving 10% of the local median salary ($4,090/year) and putting it in a CD would earn an additional $95 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 Lake Hamilton, Florida
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Lake Hamilton, Florida
Are CD rates in Lake Hamilton, Florida FDIC insured?
Yes, most established banks in Lake Hamilton, 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 Lake Hamilton, 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 Lake Hamilton, 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 Lake Hamilton, 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 Lake Hamilton, Florida?
Here are recent top rates found for this area:
- Waterfall Bank: 4.45% APY (6-MONTH CERTIFICATE OF DEPOSIT)
- Tru Fi-Credit Union: 4.33% APY (Tru Certificates of Deposit Teen 12 Month Special)
- Raymond James Bank: 4.25% APY (60 Months Certificates of Deposit (CDs))
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- United Fidelity Bank: 4.20% APY (6-Month CD Term)
- Blue Coast Federal Credit Union: 4.20% APY (12 Month CD)
- Community First Credit Union Of Florida: 4.18% APY (Super Jumbo Max 60 Month Term)
- 1st Street Credit Union: 4.16% APY (24 MONTH CERTIFICATE)
- MIAMI FIREFIGHTERS: 4.15% APY (18 Month IRA Share Certificate)
- Tampa Bay Federal Credit Union: 4.15% APY (Share Certificate 18 Month Market Watch)
Rates reflect recent verified offers available in Lake Hamilton, Florida. Last Updated: April 20, 2026
CD Calculators for Lake Hamilton, Florida
Lake Hamilton, Florida CD Calculator
At today’s FL top rate of 4.45% APY, a $10,000 deposit earns $445 in the first year. Enter your amount to see your exact return.
Lake Hamilton, Florida CD LadderFL CD rates currently range from 1.456% (3-month) to 2.680% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lake Hamilton, Florida CD at 4.45% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsFlorida’s average 12-month CD is 2.321% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Lake Hamilton, Florida directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Lake Hamilton, Florida. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in FL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 20, 2026
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