Miami, Florida Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
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.
Miami, Florida CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Miami, Florida CD rates include Popular DirectPopular Direct8180 Nw 36th St, Miami, FL 33166A+5.0 ★Texas Ratio: 2.12%Real return: +1.30%APY minus CPIRate verified Oct 30, 2026 offering Certificate of Deposit - 60 Months at 5.00% APY, HSBC Bank USAHSBC Bank USA1441 Brickell Ave, Miami, FL 33131A+5.0 ★Texas Ratio: 4.86%Real return: +0.90%APY minus CPIRate verified Oct 31, 2026 offering New Money CD - 24 Month at 4.60% APY, TotalBankTotalBank25 W Flagler St, Miami, FL 33130A5.0 ★Texas Ratio: 7.12%Real return: +0.80%APY minus CPIRate verified Oct 31, 2026 offering 24-month online CD at 4.50% APY, Tropical Financial Credit UnionTropical Financial Credit Union20395 NW 2nd Ave, Miami, FL 33169A5.0 ★Texas Ratio: 6.93%Real return: +0.70%APY minus CPIRate verified Oct 30, 2026 offering Certificates of Deposit - 12 Months at 4.40% APY, and City National BankCity National Bank801 Brickell Ave, Miami, FL 33131A+5.0 ★Texas Ratio: 5.55%Real return: +0.69%APY minus CPIRate verified Oct 31, 2026 offering Special 12-Month Fixed Rate CD at 4.39% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.
Miami has 485 local institutions in our database, with CD rates as high as 5.00% APY from Popular Direct at 8180 Nw 36th St, Miami, FL 33166. 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 31, 2026
Compare Best CD Rates in Miami, Florida & the Surrounding Area
Miami 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
Certificate of Deposit - 3 Months
$0
4.30%
▲ 2.27% above Florida avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 2.27% above avgNationally 2.13%
Details
Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
TotalBank
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
25 W Flagler St, Miami, FL 33130
3-month online CD
$25,000
4.00%
▲ 1.97% above Florida avg
▼
Rate3.92%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.97% above avgNationally 2.13%
Details
Available for current 3-Month CD clients only; Online Only; $25,000 minimum deposit to open and earn APY; maximum $1,000,000 per client
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1395 Brickell Ave, Miami, FL 33131
Special CD - 3 month CD
$1,000
3.85%
▲ 1.82% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.82% above avgNationally 2.13%
Details
Special CD Rates for Continental U.S.; Continental U.S. only; Qualifying opening deposit must be new money to Banesco USA; APYs valid as of 10/02/2026
Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 4 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Promotional Share Certificate - 3 Months
$500
3.75%
▲ 1.72% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 1.72% above avgNationally 2.13%
Details
Advertised APY includes 0.25% new money increase; requires opening with at least $10,000 from another financial institution; Limited time offer, valid starting August 2026
Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
CD - 3 Months
$500
3.75%
▲ 1.72% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.72% above avgNationally 2.13%
Details
Effective Date: September 21, 2026
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
IRA CD 3 Months
$500
3.75%
▲ 1.72% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.72% above avgNationally 2.13%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 4 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1001 Brickell Bay Dr, Miami, FL 33131
3-Month Certificate of Deposit
$500
3.55%
▲ 1.52% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.52% above avgNationally 2.13%
Details
Balance: $500 or more; Account matures in 3 months; Fund up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 10 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
3 Month CD
$2,500
3.50%
▲ 1.47% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.47% above avgNationally 2.13%
Details
Business CD; maximum deposit $250,000
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 10 times
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1150 S Miami Ave, Miami, FL 33130
3-Month CD (Certificate of Deposit)
$1,000
3.50%
▲ 1.47% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.47% above avgNationally 2.13%
Details
Minimum opening deposit of $1,000 required; offer not available to funds currently on deposit at Seacoast Bank; special APY applicable to initial term only; APY accurate as of October 23, 2026
Rate History
1 change since Sep 24, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 31, 20263.50%▲ from 3.25%
- Sep 24, 20263.25%first recorded
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
Certificates of Deposit - 3 Month
$500
3.25%
▲ 1.22% above Florida avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.22% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate 3 Months
$500
3.25%
▲ 1.22% above Florida avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.22% above avgNationally 2.13%
Details
IRA Certificates; Rate is Dividend Rate
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
Regular Certificate of Deposit - 3 Months
$500
3.25%
▲ 1.22% above Florida avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 1.22% above avgNationally 2.13%
Details
Rates effective as of October 26, 2026
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 2 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificates - 3 Months
$0
3.20%
▲ 1.17% above Florida avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 1.17% above avgNationally 2.13%
Details
Balance: $50,000 or more; Dividends paid monthly; APY is based on interest remaining in certificate until maturity; early withdrawal penalty applies
Rate History
No change since Oct 23, 2026 · 3.20% APY · checked 2 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificates - 3 Months
$0
3.10%
▲ 1.07% above Florida avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 1.07% above avgNationally 2.13%
Details
Balance: $25,000 - $49,999; Dividends paid monthly; APY is based on interest remaining in certificate until maturity; early withdrawal penalty applies
Rate History
No change since Oct 23, 2026 · 3.10% APY · checked 2 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
3 Month Certificates of Deposit
$0
3.00%
▲ 0.97% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 0.97% above avgNationally 2.13%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificates - 3 Months
$0
3.00%
▲ 0.97% above Florida avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▲ 0.97% above avgNationally 2.13%
Details
Balance: $500 - $24,999; Dividends paid monthly; APY is based on interest remaining in certificate until maturity; early withdrawal penalty applies
Rate History
No change since Oct 23, 2026 · 3.00% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
CD - 3 Month
$0
2.94%
▲ 0.91% above Florida avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 0.91% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 2.94% APY · checked 3 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
801 Brickell Ave, Miami, FL 33131
3 Month Personal CD
$0
2.78%
▲ 0.75% above Florida avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 0.75% above avgNationally 2.13%
Details
Term: 3 months (90 to 179 days)
Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 4 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 3 Months
$0
2.25%
▲ 0.22% above Florida avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▲ 0.22% above avgNationally 2.13%
Details
Dividends paid quarterly and calculated on average monthly balance
Rate History
No change since Oct 19, 2026 · 2.25% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
3 Month TD Choice CD
$250
2.00%
▼ 0.03% below Florida avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 0.03% below avgNationally 2.13%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
3 Month TD Choice CD
$250
1.99%
▼ 0.04% below Florida avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 0.04% below avgNationally 2.13%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
Share Certificate - 3 Months
$500
1.64%
▼ 0.39% below Florida avg
▼
Rate1.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.03%▼ 0.39% below avgNationally 2.13%
Details
Early withdrawal penalties may apply
Rate History
No change since Oct 15, 2026 · 1.64% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
3 Month Short-Term Certificate
$0
1.55%
▼ 0.48% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 0.48% below avgNationally 2.13%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 1.55% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
3 Month Short-Term Certificate
$0
1.50%
▼ 0.53% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 0.53% below avgNationally 2.13%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
3 Month Jumbo Share Certificate
$100,000
1.12%
▼ 0.91% below Florida avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.03%▼ 0.91% below avgNationally 2.13%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 1.12% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
3 Month Share Certificate
$500
1.02%
▼ 1.01% below Florida avg
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.03%▼ 1.01% below avgNationally 2.13%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
- Oct 15, 20261.02%▼ from 1.12%
- Sep 25, 20261.12%first recorded
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
1801 Sw 1st St, Miami, FL 33135
Certificate of Deposit - 3 Months
$0
1.00%
▼ 1.03% below Florida avg
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 1.03% below avgNationally 2.13%
Details
Terms & Conditions: Disclosure
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 10 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
3 Month Jumbo Share and IRA Certificates
$0
0.80%
▼ 1.23% below Florida avg
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.03%▼ 1.23% below avgNationally 2.13%
Details
*Traditional and Roth IRAs; Jumbo Share and IRA Certificates require a $100,000 minimum balance; Dividends compounded daily and credited monthly; Rates effective July 1, 2026
Rate History
No change since Oct 22, 2026 · 0.80% APY · checked 3 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
Share and IRA Certificates - 3 months
$0
0.75%
▼ 1.28% below Florida avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.03%▼ 1.28% below avgNationally 2.13%
Details
*Traditional and Roth IRAs; Dividends compounded daily and credited monthly; Withdrawals may be subject to an early withdrawal penalty
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 3 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
3 Month Share Certificate
$500
0.70%
▼ 1.33% below Florida avg
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▼ 1.33% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 5 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.43% below Florida avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▼ 1.43% below avgNationally 2.13%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard CD 3-month term
$0
0.60%
▼ 1.43% below Florida avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▼ 1.43% below avgNationally 2.13%
Details
Rewards APY
Rate History
1 change since Oct 14, 2026 · 0.50% → 0.60% ▲ 0.10 pts · high 0.60% / low 0.50%
- Oct 30, 20260.60%▲ from 0.50%
- Oct 14, 20260.50%first recorded
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
3-Month Certificate
$0
0.50%
▼ 1.53% below Florida avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.03%▼ 1.53% below avgNationally 2.13%
Details
Fixed; Dividends compounded monthly
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
3 Month Standard CDs - Regular
$0
0.50%
▼ 1.53% below Florida avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▼ 1.53% below avgNationally 2.13%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard CD 3-month term
$0
0.50%
▼ 1.53% below Florida avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.03%▼ 1.53% below avgNationally 2.13%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
Sunstate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14095 S Dixie Hwy, Miami, FL 33176
90 Day Certificates of Deposit (CDs)
$0
0.15%
▼ 1.88% below Florida avg
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 1.88% below avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 0.15% APY · checked 3 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3275 Nw 79th St, Miami, FL 33147
UNITY 90 Day CD
$0
0.10%
▼ 1.93% below Florida avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.03%▼ 1.93% below avgNationally 2.13%
Details
Minimum Average Daily Balance to Obtain APY: $1,000 or more
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3275 Nw 79th St, Miami, FL 33147
UNITY 90 Day IRA CD
$0
0.10%
▼ 1.93% below Florida avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.03%▼ 1.93% below avgNationally 2.13%
Details
Minimum Average Daily Balance to Obtain APY: $1,000 or more
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
300 S Biscayne Blvd, Miami, FL 33131
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.97% below Florida avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 1.97% below avgNationally 2.13%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 5 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
3 Month Fixed Rate CD
$0
0.05%
▼ 1.98% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 1.98% below avgNationally 2.13%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
Fixed Rate CD - 3-Month
$0
0.05%
▼ 1.98% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 1.98% below avgNationally 2.13%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
300 S Biscayne Blvd, Miami, FL 33131
3 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.98% below Florida avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 1.98% below avgNationally 2.13%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
777 Brickell Ave, Miami, FL 33131
3 Month Personal Certificate of Deposit
$0
0.05%
▼ 1.98% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 1.98% below avgNationally 2.13%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
90 Day Regular CD Account
$0
0.05%
▼ 1.98% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 1.98% below avgNationally 2.13%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 2.00% below Florida avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 2.00% below avgNationally 2.13%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 2.01% below Florida avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 2.01% below avgNationally 2.13%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 2.02% below Florida avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▼ 2.02% below avgNationally 2.13%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3-Month Penalty-Free CD
$500
4.26%
▲ 2.23% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.03%▲ 2.23% above avgNationally 2.13%
Details
Special Promotion; Personal: $500 minimum opening deposit; Business: $1000 minimum opening deposit; Short-term savings with penalty-free access; No penalty for early withdrawals
Rate History
No change since Oct 21, 2026 · 4.26% APY · checked 2 times
Beal Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3-Month CD
$25,000
4.10%
▲ 2.07% above Florida avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.03%▲ 2.07% above avgNationally 2.13%
Details
Rate History
No change since Oct 28, 2026 · 4.10% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
3 Month Certificates
$0
3.90%
▲ 1.87% above Florida avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.03%▲ 1.87% above avgNationally 2.13%
Details
Compare table: Dividends 3.90 %; terms from 3 months to 5 years per page description; Digital Banking Access listed
Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
Miami 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
6-month CD
$10,000
4.35%
▲ 1.34% above Florida avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 1.34% above avgNationally 2.79%
Details
Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 6, 20264.35%▲ from 4.25%
- Oct 1, 20264.25%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
Certificate of Deposit - 6 Months
$0
4.35%
▲ 1.34% above Florida avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 1.34% above avgNationally 2.79%
Details
Rate History
No change since Oct 26, 2026 · 4.35% APY · checked 2 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
6 Month CD
$2,500
4.30%
▲ 1.29% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 1.29% above avgNationally 2.79%
Details
Business CD; maximum deposit $250,000
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
TotalBank
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
25 W Flagler St, Miami, FL 33130
6-month online CD
$25,000
4.25%
▲ 1.24% above Florida avg
▼
Rate4.16%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 1.24% above avgNationally 2.79%
Details
Online Only; $25,000 minimum deposit to open and earn APY; maximum $1,000,000 per client
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 2, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
801 Brickell Ave, Miami, FL 33131
Special 6-Month Fixed Rate CD
$10,000
4.23%
▲ 1.22% above Florida avg
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 1.22% above avgNationally 2.79%
Details
New money deposits required; $10,000 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%
- Oct 20, 20264.23%▲ from 4.00%
- Oct 14, 20264.00%first recorded
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
1390 Brickell Ave, Miami, FL 33131
6 Month Certificate of Deposit
$0
4.20%
▲ 1.19% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 1.19% above avgNationally 2.79%
Details
Offer applies to New Money Only for domestic personal accounts opened online; APYs effective as of 10/26/2026; penalties may apply to early withdrawals
Rate History
No change since Oct 28, 2026 · 4.20% APY · checked 2 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
New Money CD - 6 Month
$1,000
4.10%
▲ 1.09% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 1.09% above avgNationally 2.79%
Details
Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1395 Brickell Ave, Miami, FL 33131
Special CD - 6 month CD
$1,000
4.00%
▲ 0.99% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Special CD Rates for Continental U.S.; Continental U.S. only; Qualifying opening deposit must be new money to Banesco USA; APYs valid as of 10/02/2026
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 4 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
Online CDs - 6 Month
$1,000
4.00%
▲ 0.99% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Only available to existing Premier customers; Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 9 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
Wealth Center/Telephone CD - 6 Month
$1,000
4.00%
▲ 0.99% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Wealth Center or Telephone Only; Minimum balance to obtain APY: More than $0; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Promotional Share Certificate - 6 Months
$500
4.00%
▲ 0.99% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Advertised APY includes 0.25% new money increase; requires opening with at least $10,000 from another financial institution; Limited time offer, valid starting August 2026
Rate History
1 change since Oct 15, 2026 · 3.05% → 4.00% ▲ 0.95 pts · high 4.00% / low 3.05%
- Oct 23, 20264.00%▲ from 3.05%
- Oct 15, 20263.05%first recorded
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
Share Certificate Promotional - 6 Months
$500
4.00%
▲ 0.99% above Florida avg
▼
Rate3.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Promotional rate; Rates effective as of August 24, 2026; 4.00% APY 6-Month effective 6/1/2026; minimum opening balance of $500; All terms are subject to early withdrawal penalty and/or fees which may reduce earnings
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
6-Month Certificate
$0
4.00%
▲ 0.99% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Fixed; Dividends compounded monthly
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Golden Eagle Certificates - 6-Month
$5,000
4.00%
▲ 0.99% above Florida avg
▼
Rate3.93%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Rate Fixed; Dividends Compounded Paid: Monthly
Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 8 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Jumbo Certificates - 6-Month
$50,000
4.00%
▲ 0.99% above Florida avg
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.99% above avgNationally 2.79%
Details
Minimum Deposit/Balance: $50,000; Minimum to Earn Dividends: $50,000; Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 6 times
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
12905 N Kendall Dr, Miami, FL 33186
6-Month CD
$1,000
3.85%
▲ 0.84% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.84% above avgNationally 2.79%
Details
Promotional Rates; CD minimum opening deposit of $1,000; APY accurate as of October 30, 2026; In-Branch Only
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Oct 26, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
CD - 6 Months
$500
3.85%
▲ 0.84% above Florida avg
▼
Rate3.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.84% above avgNationally 2.79%
Details
Effective Date: September 21, 2026
Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 3 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
IRA CD 6 Months
$500
3.85%
▲ 0.84% above Florida avg
▼
Rate3.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.84% above avgNationally 2.79%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 4 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
6 Month IRA Share Certificate
$0
3.85%
▲ 0.84% above Florida avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.84% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 11 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
6 Month Share Certificate
$0
3.85%
▲ 0.84% above Florida avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.84% above avgNationally 2.79%
Details
Dividend rate and APY effective Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 3 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
6 Month Share Jumbo Certificate
$10,000
3.80%
▲ 0.79% above Florida avg
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.01%▲ 0.79% above avgNationally 2.79%
Details
Variable rate account; new money opened with at least $5,000 from another source receives an additional 0.50%
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
Share Certificate - 6 Months
$500
3.76%
▲ 0.75% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.01%▲ 0.75% above avgNationally 2.79%
Details
Early withdrawal penalties may apply
Rate History
No change since Oct 15, 2026 · 3.76% APY · checked 3 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
Certificate 6 Months Jumbo
$20,000
3.76%
▲ 0.75% above Florida avg
▼
Rate3.70%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.75% above avgNationally 2.79%
Details
Jumbo
Rate History
No change since Oct 19, 2026 · 3.76% APY · checked 4 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
Certificate 6 Months
$1,000
3.71%
▲ 0.70% above Florida avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.70% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 3.71% APY · checked 4 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
6 Month Share Certificate
$200
3.55%
▲ 0.54% above Florida avg
▼
Rate3.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.01%▲ 0.54% above avgNationally 2.79%
Details
Variable rate account; new money opened with at least $5,000 from another source receives an additional 0.50%
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1001 Brickell Bay Dr, Miami, FL 33131
6-Month Certificate of Deposit
$500
3.50%
▲ 0.49% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.49% above avgNationally 2.79%
Details
Balance: $500 or more; Account matures in 6 months; Fund up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1001 Brickell Bay Dr, Miami, FL 33131
6-Month Fixed Rate CD
$0
3.50%
▲ 0.49% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.49% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
6 Month Certificates of Deposit
$0
3.50%
▲ 0.49% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.49% above avgNationally 2.79%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
1 change since Sep 24, 2026 · 4.25% → 3.50% ▼ 0.75 pts · high 4.25% / low 3.50%
- Oct 14, 20263.50%▼ from 4.25%
- Sep 24, 20264.25%first recorded
Ocean Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
780 Nw 42nd Ave, Miami, FL 33126
6 Months CD
$2,500
3.50%
▲ 0.49% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.49% above avgNationally 2.79%
Details
Special promotion; APY accurate as of September 23, 2025; must be new money to Ocean Bank; Initial CD deposit must be maintained each day to earn the APY; early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
Certificates of Deposit - 6 Months
$500
3.35%
▲ 0.34% above Florida avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.34% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate 6 Months
$500
3.35%
▲ 0.34% above Florida avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.34% above avgNationally 2.79%
Details
IRA Certificates; Rate is Dividend Rate
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 4 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
6 Month Jumbo Share and IRA Certificates
$0
3.30%
▲ 0.29% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.01%▲ 0.29% above avgNationally 2.79%
Details
*Traditional and Roth IRAs; Jumbo Share and IRA Certificates require a $100,000 minimum balance; Dividends compounded daily and credited monthly; Rates effective July 1, 2026
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 3 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
Share and IRA Certificates - 6 months
$0
3.25%
▲ 0.24% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.01%▲ 0.24% above avgNationally 2.79%
Details
*Traditional and Roth IRAs; Dividends compounded daily and credited monthly; Withdrawals may be subject to an early withdrawal penalty
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
6 Month Share Certificate
$500
3.25%
▲ 0.24% above Florida avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.24% above avgNationally 2.79%
Details
Balance: $50,000 or more
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1902 NW 14th Ave, Miami, FL 33125 1658
Promotional Share Certificate - 6 Months
$0
3.25%
▲ 0.24% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▲ 0.24% above avgNationally 2.79%
Details
Promotional rates available for a limited time; Balance: $10,000 minimum
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
CD - 6 Month
$0
3.20%
▲ 0.19% above Florida avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.19% above avgNationally 2.79%
Details
Rate History
No change since Oct 20, 2026 · 3.20% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
6 Month Jumbo Share Certificate
$100,000
3.16%
▲ 0.15% above Florida avg
▼
Rate3.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.01%▲ 0.15% above avgNationally 2.79%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.16% APY · checked 3 times
SouthState Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
18765 S Dixie Hwy, Miami, FL 33157
6 Month Certificate of Deposit
$1,000
3.15%
▲ 0.14% above Florida avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.14% above avgNationally 2.79%
Details
Advertised interest rates and APY for CDs are subject to change prior to account opening and fixed upon opening for the term. APY assumes monthly compounding.
Rate History
No change since Oct 22, 2026 · 3.15% APY · checked 3 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
6 Month CD
$0
3.15%
▲ 0.14% above Florida avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▲ 0.14% above avgNationally 2.79%
Details
Balance: $100,000.00 and over; Term not available for CD IRA
Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 6 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
6 Month Share Certificate
$500
3.15%
▲ 0.14% above Florida avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.14% above avgNationally 2.79%
Details
Balance: $25,000 - $49,999
Rate History
No change since Oct 23, 2026 · 3.15% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
6 Month Share Certificate
$500
3.05%
▲ 0.04% above Florida avg
▼
Rate3.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.01%▲ 0.04% above avgNationally 2.79%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.16% → 3.05% ▼ 0.11 pts · high 3.16% / low 3.05%
- Oct 15, 20263.05%▼ from 3.16%
- Sep 25, 20263.16%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
6 Month Share Certificate
$500
3.05%
▲ 0.04% above Florida avg
▼
Rate3.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.01%▲ 0.04% above avgNationally 2.79%
Details
Balance: $500 - $24,999
Rate History
No change since Oct 13, 2026 · 3.05% APY · checked 3 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
6 Month CD
$0
3.00%
▼ 0.01% below Florida avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 0.01% below avgNationally 2.79%
Details
Balance: $0.00 - $99,999.99; Term not available for CD IRA
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 10 times
MySavingsDirect
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
201 S Biscayne Blvd, Miami, FL 33131
6 Month Term Certificate of Deposit (My Term)
$1,000
3.00%
▼ 0.01% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▼ 0.01% below avgNationally 2.79%
Details
Many terms available; Subject to penalty for early withdrawal; APY effective October 02, 2025 and subject to change
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
801 Brickell Ave, Miami, FL 33131
6 Month Personal CD
$0
2.84%
▼ 0.17% below Florida avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 0.17% below avgNationally 2.79%
Details
Term: 6 months (180 to 269 days)
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 4 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
6 Month Youth CD
$0
2.05%
▼ 0.96% below Florida avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▼ 0.96% below avgNationally 2.79%
Details
Youth share certificate; Dividends paid quarterly and calculated on average monthly balance
Rate History
No change since Sep 18, 2026 · 2.05% APY · checked 5 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 6 Months
$0
2.05%
▼ 0.96% below Florida avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.01%▼ 0.96% below avgNationally 2.79%
Details
Dividends paid quarterly and calculated on average monthly balance
Rate History
No change since Oct 19, 2026 · 2.05% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
6 Month TD Choice CD
$250
2.00%
▼ 1.01% below Florida avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 1.01% below avgNationally 2.79%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
6 Month Fixed Rate CD
$0
2.00%
▼ 1.01% below Florida avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 1.01% below avgNationally 2.79%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
Fixed Rate CD - 6-Month
$0
2.00%
▼ 1.01% below Florida avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.01%▼ 1.01% below avgNationally 2.79%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
Miami 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
12-month CD
$10,000
4.60%
▲ 1.38% above Florida avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.38% above avgNationally 3.01%
Details
Rate History
3 changes since Sep 24, 2026 · 4.25% → 4.60% ▲ 0.35 pts · high 4.60% / low 4.25%
- Oct 19, 20264.60%▲ from 4.50%
- Oct 6, 20264.50%▲ from 4.40%
- Oct 1, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
Certificate of Deposit - 12 Months
$0
4.60%
▲ 1.38% above Florida avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.38% above avgNationally 3.01%
Details
Rate History
No change since Oct 26, 2026 · 4.60% APY · checked 2 times
TotalBank
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
25 W Flagler St, Miami, FL 33130
12-month online CD
$25,000
4.45%
▲ 1.23% above Florida avg
▼
Rate4.35%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.23% above avgNationally 3.01%
Details
Online Only; $25,000 minimum deposit to open and earn APY; maximum $1,000,000 per client
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
- Oct 2, 20264.45%▲ from 4.00%
- Sep 18, 20264.00%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
New Money CD - 12 Month
$1,000
4.40%
▲ 1.18% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.18% above avgNationally 3.01%
Details
Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 3 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
Certificates of Deposit - 12 Months
$500
4.40%
▲ 1.18% above Florida avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.18% above avgNationally 3.01%
Details
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate 12 Months
$500
4.40%
▲ 1.18% above Florida avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.18% above avgNationally 3.01%
Details
IRA Certificates; Rate is Dividend Rate
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 4 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
801 Brickell Ave, Miami, FL 33131
Special 12-Month Fixed Rate CD
$2,500
4.39%
▲ 1.17% above Florida avg
▼
Rate4.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.17% above avgNationally 3.01%
Details
New money deposits required; $2,500 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.11% → 4.39% ▲ 0.28 pts · high 4.39% / low 4.11%
- Oct 20, 20264.39%▲ from 4.11%
- Oct 14, 20264.11%first recorded
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
1390 Brickell Ave, Miami, FL 33131
12 Month Certificate of Deposit
$0
4.35%
▲ 1.13% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.13% above avgNationally 3.01%
Details
Offer applies to New Money Only for domestic personal accounts opened online; APYs effective as of 10/26/2026; penalties may apply to early withdrawals
Rate History
No change since Oct 28, 2026 · 4.35% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.13% above Florida avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.13% above avgNationally 3.01%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 8 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
Online CDs - 12 Month
$1,000
4.30%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.08% above avgNationally 3.01%
Details
Only available to existing Premier customers; Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 9 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
Wealth Center/Telephone CD - 12 Month
$1,000
4.30%
▲ 1.08% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.08% above avgNationally 3.01%
Details
Wealth Center or Telephone Only; Minimum balance to obtain APY: More than $0; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
1 Year Fixed Rate CD
$0
4.25%
▲ 1.03% above Florida avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.03% above avgNationally 3.01%
Details
Featured Rate; Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
Fixed Rate CD - 1-Year
$0
4.25%
▲ 1.03% above Florida avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.03% above avgNationally 3.01%
Details
Featured Rate; Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
12 Month Certificates of Deposit
$0
4.25%
▲ 1.03% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.03% above avgNationally 3.01%
Details
FL only; promotional CD offer; 10-day rate guarantee; must open by 11/10/2026; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
1 change since Sep 27, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 14, 20264.25%▲ from 4.00%
- Sep 27, 20264.00%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Promotional Share Certificate - 12 Months
$500
4.25%
▲ 1.03% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 1.03% above avgNationally 3.01%
Details
Advertised APY includes 0.25% new money increase; requires opening with at least $10,000 from another financial institution; Limited time offer, valid starting August 2026
Rate History
1 change since Oct 15, 2026 · 3.15% → 4.25% ▲ 1.10 pts · high 4.25% / low 3.15%
- Oct 23, 20264.25%▲ from 3.15%
- Oct 15, 20263.15%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
CD - 12 Months
$500
4.25%
▲ 1.03% above Florida avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.03% above avgNationally 3.01%
Details
Effective Date: September 21, 2026
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
IRA CD 12 Months
$500
4.25%
▲ 1.03% above Florida avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.03% above avgNationally 3.01%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
12 Month TD Choice CD
$250
4.15%
▲ 0.93% above Florida avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.93% above avgNationally 3.01%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
12 Month Share Certificate
$0
4.15%
▲ 0.93% above Florida avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.93% above avgNationally 3.01%
Details
Dividend rate and APY effective Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 4.15% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
12 Month TD Choice CD
$250
4.14%
▲ 0.92% above Florida avg
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.92% above avgNationally 3.01%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 4 times
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1395 Brickell Ave, Miami, FL 33131
Special CD - 12 month CD
$1,000
4.10%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.88% above avgNationally 3.01%
Details
Special CD Rates for Continental U.S.; Continental U.S. only; Qualifying opening deposit must be new money to Banesco USA; APYs valid as of 10/02/2026
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
12 Month Short-Term Certificate
$0
4.10%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.88% above avgNationally 3.01%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
12 Month CD
$2,500
4.10%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.88% above avgNationally 3.01%
Details
Maximum $250,000 per account; penalties may apply to early withdrawals
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 14, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
12905 N Kendall Dr, Miami, FL 33186
12-Month CD
$1,000
4.10%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.88% above avgNationally 3.01%
Details
Promotional Rates; CD minimum opening deposit of $1,000; APY accurate as of October 30, 2026; In-Branch Only
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
- Oct 26, 20264.10%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
12 Month Share Certificate Promotional Rate
$500
4.10%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.88% above avgNationally 3.01%
Details
Rates effective as of August 24, 2026; 4.10% APY 12-Month Share Certificate (CD) effective 8/24/2026; minimum opening balance of $500; All terms are subject to early withdrawal penalty and/or fees which may reduce earnings
Rate History
No change since Oct 29, 2026 · 4.10% APY
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
Share Certificate Promotional - 12 Months
$500
4.10%
▲ 0.88% above Florida avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.88% above avgNationally 3.01%
Details
Promotional rate; Rates effective as of August 24, 2026; 4.10% APY 12-Month Share Certificate (CD) effective 8/24/2026; minimum opening balance of $500; All terms are subject to early withdrawal penalty and/or fees which may reduce earnings
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
12 Month Short-Term Certificate
$0
4.05%
▲ 0.83% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.83% above avgNationally 3.01%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
12 Month EasyStart Certificate
$50
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.01%
Details
Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
12 Month CD
$2,500
4.00%
▲ 0.78% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.01%
Details
Business CD; maximum deposit $250,000
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 10 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
12-Month Certificate
$0
4.00%
▲ 0.78% above Florida avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.01%
Details
Fixed; Dividends compounded monthly
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Golden Eagle Certificates - 12-Month
$5,000
4.00%
▲ 0.78% above Florida avg
▼
Rate3.93%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.01%
Details
Rate Fixed; Dividends Compounded Paid: Monthly
Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 8 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
Jumbo Certificates - 12-Month
$50,000
4.00%
▲ 0.78% above Florida avg
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.01%
Details
Minimum Deposit/Balance: $50,000; Minimum to Earn Dividends: $50,000; Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 6 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
12 Month IRA Share Certificate
$0
4.00%
▲ 0.78% above Florida avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.78% above avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 11 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
Certificate 12 Months Jumbo
$20,000
3.86%
▲ 0.64% above Florida avg
▼
Rate3.80%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.64% above avgNationally 3.01%
Details
Jumbo
Rate History
No change since Oct 19, 2026 · 3.86% APY · checked 4 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
Certificate 12 Months
$1,000
3.81%
▲ 0.59% above Florida avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.59% above avgNationally 3.01%
Details
Rate History
No change since Oct 19, 2026 · 3.81% APY · checked 4 times
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1150 S Miami Ave, Miami, FL 33130
12-Month CD (Certificate of Deposit)
$1,000
3.75%
▲ 0.53% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.53% above avgNationally 3.01%
Details
Minimum opening deposit of $1,000 required; offer not available to funds currently on deposit at Seacoast Bank; special APY applicable to initial term only; APY accurate as of October 23, 2026
Rate History
1 change since Sep 24, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 14, 20263.75%▲ from 3.55%
- Sep 24, 20263.55%first recorded
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
IRA Share Certificate - 12 Months
$0
3.60%
▲ 0.38% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.38% above avgNationally 3.01%
Details
Balance: $500 or more; Early Withdrawal Penalty: 30 Days Interest; Dividends paid monthly
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 3 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
12 Month IRA Share Certificate
$200
3.55%
▲ 0.33% above Florida avg
▼
Rate3.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 0.33% above avgNationally 3.01%
Details
Variable rate account
Rate History
No change since Oct 23, 2026 · 3.55% APY · checked 2 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
12 Month Share Jumbo Certificate
$10,000
3.55%
▲ 0.33% above Florida avg
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 0.33% above avgNationally 3.01%
Details
Variable rate account; new money opened with at least $5,000 from another source receives an additional 0.50%
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
CD - 12 Month
$0
3.51%
▲ 0.29% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.29% above avgNationally 3.01%
Details
Rate History
No change since Oct 20, 2026 · 3.51% APY · checked 3 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1001 Brickell Bay Dr, Miami, FL 33131
12-Month Fixed Rate CD
$0
3.50%
▲ 0.28% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.28% above avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
12 Month Share Certificate
$0
3.35%
▲ 0.13% above Florida avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.13% above avgNationally 3.01%
Details
Balance: $50,000 or more; Min Balance: $500; Dividends paid monthly
Rate History
No change since Oct 23, 2026 · 3.35% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
12 Month Jumbo Share Certificate
$100,000
3.31%
▲ 0.09% above Florida avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 0.09% above avgNationally 3.01%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.31% APY · checked 3 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
12 Month Jumbo Share and IRA Certificates
$0
3.30%
▲ 0.08% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 0.08% above avgNationally 3.01%
Details
*Traditional and Roth IRAs; Jumbo Share and IRA Certificates require a $100,000 minimum balance; Dividends compounded daily and credited monthly; Rates effective July 1, 2026
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 3 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
12 Month Share Certificate
$200
3.29%
▲ 0.07% above Florida avg
▼
Rate3.25%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 0.07% above avgNationally 3.01%
Details
Variable rate account; new money opened with at least $5,000 from another source receives an additional 0.50%
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1441 Brickell Ave, Miami, FL 33131
1 Year Online CD
$0
3.25%
▲ 0.03% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.03% above avgNationally 3.01%
Details
Interest rate 3.20%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 11 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
777 Brickell Ave, Miami, FL 33131
CD 12 Month
$0
3.25%
▲ 0.03% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.03% above avgNationally 3.01%
Details
Balance: $100,000 and above; special rate on select new CD accounts
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 3 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
Share and IRA Certificates - 12 months
$0
3.25%
▲ 0.03% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 0.03% above avgNationally 3.01%
Details
*Traditional and Roth IRAs; Dividends compounded daily and credited monthly; Withdrawals may be subject to an early withdrawal penalty
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
12 Month Share Certificate
$0
3.25%
▲ 0.03% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.03% above avgNationally 3.01%
Details
Balance: $25,000 - $49,999; Min Balance: $500; Dividends paid monthly
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1902 NW 14th Ave, Miami, FL 33125 1658
Promotional Share Certificate - 12 Months
$0
3.25%
▲ 0.03% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.03% above avgNationally 3.01%
Details
Promotional rates available for a limited time; Balance: $10,000 minimum
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
Miami 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
18-month CD
$10,000
4.80%
▲ 1.58% above Florida avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.58% above avgNationally 2.91%
Details
Rate History
4 changes since Sep 24, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35%
- Oct 26, 20264.80%▲ from 4.75%
- Oct 19, 20264.75%▲ from 4.65%
- Oct 6, 20264.65%▲ from 4.55%
- Oct 1, 20264.55%▲ from 4.35%
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
Certificate of Deposit - 18 Months
$0
4.80%
▲ 1.58% above Florida avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.58% above avgNationally 2.91%
Details
Rate History
No change since Oct 26, 2026 · 4.80% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
18 Month TD Choice CD
$250
4.25%
▲ 1.03% above Florida avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
CD - 18 Months
$500
4.25%
▲ 1.03% above Florida avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Effective Date: September 21, 2026
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
IRA CD 18 Months
$500
4.25%
▲ 1.03% above Florida avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 4 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
18 Month Share Certificate
$0
4.25%
▲ 1.03% above Florida avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.91%
Details
Dividend rate and APY effective Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
18 Month TD Choice CD
$250
4.24%
▲ 1.02% above Florida avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 1.02% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
18 Month Short-Term Certificate
$0
4.15%
▲ 0.93% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.93% above avgNationally 2.91%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 3 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
18 Month IRA Share Certificate
$0
4.15%
▲ 0.93% above Florida avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.93% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 11 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
18 Month Short-Term Certificate
$0
4.10%
▲ 0.88% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.91%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
Certificates of Deposit - 18 Months
$500
4.10%
▲ 0.88% above Florida avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate 18 Months
$500
4.10%
▲ 0.88% above Florida avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.91%
Details
IRA Certificates; Rate is Dividend Rate
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 4 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
3036 Grand Avenue, Miami, FL 33133
18-Month CD
$500
4.00%
▲ 0.78% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.91%
Details
Available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL (Miami-Dade, Monroe, Broward counties, Collier county ZIP Code 34141); In-Branch Only; Minimum deposit of $500 to open and receive this APY; early withdrawal penalty applies
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 8 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
18 Month CD
$2,500
3.95%
▲ 0.73% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.73% above avgNationally 2.91%
Details
Business CD; maximum deposit $250,000
Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 10 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
18 Month CD
$2,500
3.90%
▲ 0.68% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.68% above avgNationally 2.91%
Details
Maximum $250,000 per account; penalties may apply to early withdrawals
Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
- Oct 14, 20263.90%▼ from 3.95%
- Sep 18, 20263.95%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
18 Month CD Specials - Regular
$0
3.80%
▲ 0.58% above Florida avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.58% above avgNationally 2.91%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
18 Month CD Specials - Rewards
$0
3.80%
▲ 0.58% above Florida avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.58% above avgNationally 2.91%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 0.58% above Florida avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.58% above avgNationally 2.91%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
18 Month IRA CD Specials - Rewards
$0
3.80%
▲ 0.58% above Florida avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.58% above avgNationally 2.91%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
CD Specials 18-month term
$0
3.80%
▲ 0.58% above Florida avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.58% above avgNationally 2.91%
Details
Rewards APY
Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 14, 20263.80%▲ from 3.65%
- Sep 27, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
IRA CD Specials 18-month term
$0
3.80%
▲ 0.58% above Florida avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 0.58% above avgNationally 2.91%
Details
IRA; Rewards APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 19, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
18 Month EasyStart Certificate
$50
3.70%
▲ 0.48% above Florida avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.48% above avgNationally 2.91%
Details
Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
CD - 18 Month
$0
3.46%
▲ 0.24% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▲ 0.24% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.46% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
18 Month Jumbo Share Certificate
$100,000
3.41%
▲ 0.19% above Florida avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 0.19% above avgNationally 2.91%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
18 Month Share Certificate
$0
3.40%
▲ 0.18% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.18% above avgNationally 2.91%
Details
Balance: $50,000 or more; Min Balance: $500
Rate History
No change since Oct 23, 2026 · 3.40% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
18 Month Share Certificate
$500
3.31%
▲ 0.09% above Florida avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 0.09% above avgNationally 2.91%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 15, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
18 Month Jumbo Share and IRA Certificates
$0
3.30%
▲ 0.08% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 0.08% above avgNationally 2.91%
Details
*Traditional and Roth IRAs; Jumbo Share and IRA Certificates require a $100,000 minimum balance; Dividends compounded daily and credited monthly; Rates effective July 1, 2026
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
18 Month Share Certificate
$0
3.30%
▲ 0.08% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▲ 0.08% above avgNationally 2.91%
Details
Balance: $25,000 - $49,999; Min Balance: $500
Rate History
No change since Oct 23, 2026 · 3.30% APY · checked 2 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
Share and IRA Certificates - 18 months
$0
3.25%
▲ 0.03% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 0.03% above avgNationally 2.91%
Details
*Traditional and Roth IRAs; Dividends compounded daily and credited monthly; Withdrawals may be subject to an early withdrawal penalty
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
18 Month Share Certificate
$0
3.20%
▼ 0.02% below Florida avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▼ 0.02% below avgNationally 2.91%
Details
Balance: $500 - $24,999; Min Balance: $500
Rate History
No change since Oct 23, 2026 · 3.20% APY · checked 2 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
18 Month Share Certificate
$500
3.07%
▼ 0.15% below Florida avg
▼
Rate3.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▼ 0.15% below avgNationally 2.91%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 5, 2026 · 3.07% APY · checked 4 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
18 Month Share Jumbo Certificate
$10,000
3.03%
▼ 0.19% below Florida avg
▼
Rate3.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▼ 0.19% below avgNationally 2.91%
Details
Variable rate account; new money opened with at least $5,000 from another source receives an additional 0.50%
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
18 Month Share Certificate
$200
2.52%
▼ 0.70% below Florida avg
▼
Rate2.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▼ 0.70% below avgNationally 2.91%
Details
Variable rate account; new money opened with at least $5,000 from another source receives an additional 0.50%
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 7 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
18 Month Certificates of Deposit
$0
2.50%
▼ 0.72% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 0.72% below avgNationally 2.91%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 18 Months
$0
2.50%
▼ 0.72% below Florida avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▼ 0.72% below avgNationally 2.91%
Details
Dividends paid quarterly and calculated on average monthly balance
Rate History
No change since Oct 19, 2026 · 2.50% APY · checked 3 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
18-Month Certificate
$0
2.02%
▼ 1.20% below Florida avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.22%▼ 1.20% below avgNationally 2.91%
Details
Fixed; Dividends compounded monthly
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 8 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
18 Month Fixed Rate CD
$0
2.00%
▼ 1.22% below Florida avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 1.22% below avgNationally 2.91%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
Fixed Rate CD - 18-Month
$0
2.00%
▼ 1.22% below Florida avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 1.22% below avgNationally 2.91%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
Sunstate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14095 S Dixie Hwy, Miami, FL 33176
18 Month Certificates of Deposit (CDs)
$0
0.25%
▼ 2.97% below Florida avg
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 2.97% below avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
777 Brickell Ave, Miami, FL 33131
18 Month Personal Certificate of Deposit
$0
0.05%
▼ 3.17% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.17% below avgNationally 2.91%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
Certificate of Deposit - 18 Months
$1,000
0.03%
▼ 3.19% below Florida avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.19% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
IRA CD 18 Months
$250
0.03%
▼ 3.19% below Florida avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.19% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
Certificate of Deposit - 18 Months
$1,000
0.02%
▼ 3.20% below Florida avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.20% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
IRA CD 18 Months
$250
0.02%
▼ 3.20% below Florida avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.20% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
Certificate of Deposit - 18 Months
$1,000
0.01%
▼ 3.21% below Florida avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.21% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
IRA CD 18 Months
$250
0.01%
▼ 3.21% below Florida avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.22%▼ 3.21% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 18 Months
$0
4.50%
▲ 1.28% above Florida avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.50% APY
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 18 Months
$0
4.50%
▲ 1.28% above Florida avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate History
No change since Oct 28, 2026 · 4.50% APY
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Jumbo Certificate
$0
4.50%
▲ 1.28% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 9 times
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
18 Month Share Certificate
$0
4.50%
▲ 1.28% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.22%▲ 1.28% above avgNationally 2.91%
Details
Rate Type: Fixed
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 9 times
Miami 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
Certificate of Deposit - 24 Months
$0
4.80%
▲ 1.65% above Florida avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 1.65% above avgNationally 2.91%
Details
Rate History
No change since Oct 26, 2026 · 4.80% APY · checked 2 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
New Money CD - 24 Month
$1,000
4.60%
▲ 1.45% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.45% above avgNationally 2.91%
Details
Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.60% APY · checked 3 times
TotalBank
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
25 W Flagler St, Miami, FL 33130
24-month online CD
$25,000
4.50%
▲ 1.35% above Florida avg
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.35% above avgNationally 2.91%
Details
Online Only; $25,000 minimum deposit to open and earn APY; maximum $1,000,000 per client
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 2, 20264.50%▲ from 3.75%
- Sep 18, 20263.75%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
Online CDs - 24 Month
$1,000
4.40%
▲ 1.25% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.91%
Details
Only available to existing Premier customers; Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 9 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1441 Brickell Ave, Miami, FL 33131
Wealth Center/Telephone CD - 24 Month
$1,000
4.40%
▲ 1.25% above Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.25% above avgNationally 2.91%
Details
Wealth Center or Telephone Only; Minimum balance to obtain APY: More than $0; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 26, 2026 · 4.40% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
24 Month TD Choice CD
$250
4.30%
▲ 1.15% above Florida avg
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.15% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 4 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
24 Month Share Certificate
$0
4.30%
▲ 1.15% above Florida avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 1.15% above avgNationally 2.91%
Details
Dividend rate and APY effective Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 4.30% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
24 Month TD Choice CD
$250
4.29%
▲ 1.14% above Florida avg
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 1.14% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 4 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
Certificate 24 Months Jumbo
$20,000
3.97%
▲ 0.82% above Florida avg
▼
Rate3.90%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 0.82% above avgNationally 2.91%
Details
Jumbo
Rate History
No change since Oct 19, 2026 · 3.97% APY · checked 4 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
Certificate 24 Months
$1,000
3.91%
▲ 0.76% above Florida avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 0.76% above avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 3.91% APY · checked 4 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
24 Month IRA Share Certificate
$0
3.90%
▲ 0.75% above Florida avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 0.75% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 11 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
24 Month CD
$2,500
3.80%
▲ 0.65% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 0.65% above avgNationally 2.91%
Details
Maximum $250,000 per account; penalties may apply to early withdrawals
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
- Oct 14, 20263.80%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
24 Month CD
$2,500
3.75%
▲ 0.60% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 0.60% above avgNationally 2.91%
Details
Business CD; maximum deposit $250,000
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 10 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
CD - 24 Months
$500
3.75%
▲ 0.60% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 0.60% above avgNationally 2.91%
Details
Effective Date: September 21, 2026
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
IRA CD 24 Months
$500
3.75%
▲ 0.60% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 0.60% above avgNationally 2.91%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
24 Month Short-Term Certificate
$0
3.70%
▲ 0.55% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 0.55% above avgNationally 2.91%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
24 Month Short-Term Certificate
$0
3.66%
▲ 0.51% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 0.51% above avgNationally 2.91%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.66% APY · checked 3 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
Certificates of Deposit - 24 Months
$500
3.65%
▲ 0.50% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 0.50% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate 24 Months
$500
3.65%
▲ 0.50% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▲ 0.50% above avgNationally 2.91%
Details
IRA Certificates; Rate is Dividend Rate
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
24 Month EasyStart Certificate
$50
3.60%
▲ 0.45% above Florida avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 0.45% above avgNationally 2.91%
Details
Share, IRA, ESA; Rates as of Oct 30, 2026 ET; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificate - 24 Months
$0
3.45%
▲ 0.30% above Florida avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 0.30% above avgNationally 2.91%
Details
Balance: $50,000 or more
Rate History
No change since Oct 23, 2026 · 3.45% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
CD - 24 Month
$0
3.41%
▲ 0.26% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 0.26% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
24 Month Jumbo Share Certificate
$100,000
3.41%
▲ 0.26% above Florida avg
▼
Rate3.37%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.15%▲ 0.26% above avgNationally 2.91%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.41% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
IRA Share Certificate - 24 Months
$0
3.40%
▲ 0.25% above Florida avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 0.25% above avgNationally 2.91%
Details
Balance: $500 or more; Early Withdrawal Penalty: 60 Days Interest
Rate History
No change since Oct 23, 2026 · 3.40% APY · checked 2 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificate - 24 Months
$0
3.35%
▲ 0.20% above Florida avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 0.20% above avgNationally 2.91%
Details
Balance: $25,000 - $49,999
Rate History
No change since Oct 23, 2026 · 3.35% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
24 Month Share Certificate
$500
3.31%
▲ 0.16% above Florida avg
▼
Rate3.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.15%▲ 0.16% above avgNationally 2.91%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.41% → 3.31% ▼ 0.10 pts · high 3.41% / low 3.31%
- Oct 15, 20263.31%▼ from 3.41%
- Sep 25, 20263.41%first recorded
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
24 Month Jumbo Share and IRA Certificates
$0
3.30%
▲ 0.15% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.15%▲ 0.15% above avgNationally 2.91%
Details
*Traditional and Roth IRAs; Jumbo Share and IRA Certificates require a $100,000 minimum balance; Dividends compounded daily and credited monthly; Rates effective July 1, 2026
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 3 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1001 Brickell Bay Dr, Miami, FL 33131
24-Month Fixed Rate CD
$0
3.25%
▲ 0.10% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▲ 0.10% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
Share and IRA Certificates - 24 months
$0
3.25%
▲ 0.10% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.15%▲ 0.10% above avgNationally 2.91%
Details
*Traditional and Roth IRAs; Dividends compounded daily and credited monthly; Withdrawals may be subject to an early withdrawal penalty
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificate - 24 Months
$0
3.25%
▲ 0.10% above Florida avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▲ 0.10% above avgNationally 2.91%
Details
Balance: $500 - $24,999
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
Share IRA Certificate 24 Month
$500
3.07%
▼ 0.08% below Florida avg
▼
Rate3.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▼ 0.08% below avgNationally 2.91%
Details
Minimum of $500 required to open account; subject to early withdrawal penalty and/or fees
Rate History
No change since Sep 21, 2026 · 3.07% APY · checked 5 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1441 Brickell Ave, Miami, FL 33131
2 Year Online CD
$0
3.00%
▼ 0.15% below Florida avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 0.15% below avgNationally 2.91%
Details
Interest rate 2.96%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 11 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
24 Month Share Jumbo Certificate
$10,000
2.78%
▼ 0.37% below Florida avg
▼
Rate2.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.15%▼ 0.37% below avgNationally 2.91%
Details
Variable rate account; new money opened with at least $5,000 from another source receives an additional 0.50%
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 7 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
2 Year CD
$0
2.75%
▼ 0.40% below Florida avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 0.40% below avgNationally 2.91%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 6 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
24 Month Standard CDs - Rewards
$0
2.60%
▼ 0.55% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 0.55% below avgNationally 2.91%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
24 Month Standard IRA CDs - Rewards
$0
2.60%
▼ 0.55% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 0.55% below avgNationally 2.91%
Details
Rewards APY column; Dividend Rate 2.57%
Rate History
No change since Oct 19, 2026 · 2.60% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard CD 24-month term
$0
2.60%
▼ 0.55% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 0.55% below avgNationally 2.91%
Details
Rewards APY
Rate History
1 change since Oct 14, 2026 · 2.34% → 2.60% ▲ 0.26 pts · high 2.60% / low 2.34%
- Oct 30, 20262.60%▲ from 2.34%
- Oct 14, 20262.34%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard IRA CD 24-month term
$0
2.60%
▼ 0.55% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 0.55% below avgNationally 2.91%
Details
IRA; Rewards APY
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
2 Year CD
$0
2.55%
▼ 0.60% below Florida avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 0.60% below avgNationally 2.91%
Details
Balance: $0.00 - $99,999.99
Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 10 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
Share Certificate - 2 Year
$500
2.53%
▼ 0.62% below Florida avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.15%▼ 0.62% below avgNationally 2.91%
Details
Early withdrawal penalties may apply
Rate History
No change since Oct 15, 2026 · 2.53% APY · checked 3 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
24-Month Certificate
$0
2.53%
▼ 0.62% below Florida avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.15%▼ 0.62% below avgNationally 2.91%
Details
Fixed; Dividends compounded monthly
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
24 Month IRA Share Certificate
$200
2.52%
▼ 0.63% below Florida avg
▼
Rate2.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.15%▼ 0.63% below avgNationally 2.91%
Details
Variable rate account
Rate History
No change since Oct 23, 2026 · 2.52% APY · checked 2 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
24 Month Share Certificate
$200
2.52%
▼ 0.63% below Florida avg
▼
Rate2.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.15%▼ 0.63% below avgNationally 2.91%
Details
Variable rate account; new money opened with at least $5,000 from another source receives an additional 0.50%
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 7 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
24 Month Certificates of Deposit
$0
2.50%
▼ 0.65% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 0.65% below avgNationally 2.91%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 24 Months
$0
2.50%
▼ 0.65% below Florida avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 0.65% below avgNationally 2.91%
Details
Dividends paid quarterly and calculated on average monthly balance
Rate History
No change since Oct 19, 2026 · 2.50% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
24 Month Standard CDs - Regular
$0
2.34%
▼ 0.81% below Florida avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 0.81% below avgNationally 2.91%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.34% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
24 Month Standard IRA CDs - Regular
$0
2.34%
▼ 0.81% below Florida avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 0.81% below avgNationally 2.91%
Details
Regular APY column; Dividend Rate 2.32%
Rate History
No change since Oct 19, 2026 · 2.34% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard CD 24-month term
$0
2.34%
▼ 0.81% below Florida avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 0.81% below avgNationally 2.91%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.34% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard IRA CD 24-month term
$0
2.34%
▼ 0.81% below Florida avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.15%▼ 0.81% below avgNationally 2.91%
Details
IRA; Regular APY
Rate History
1 change since Sep 14, 2026 · 2.60% → 2.34% ▼ 0.26 pts · high 2.60% / low 2.34%
- Oct 30, 20262.34%▼ from 2.60%
- Sep 14, 20262.60%first recorded
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
2 Year Fixed Rate CD
$0
2.00%
▼ 1.15% below Florida avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.15%▼ 1.15% below avgNationally 2.91%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
Miami 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
Certificate of Deposit - 36 Months
$0
4.85%
▲ 1.86% above Florida avg
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 1.86% above avgNationally 2.82%
Details
Rate History
No change since Oct 26, 2026 · 4.85% APY · checked 2 times
TotalBank
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
25 W Flagler St, Miami, FL 33130
36-month online CD
$25,000
4.50%
▲ 1.51% above Florida avg
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 1.51% above avgNationally 2.82%
Details
Online Only; $25,000 minimum deposit to open and earn APY; maximum $1,000,000 per client
Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
- Oct 2, 20264.50%▲ from 3.76%
- Sep 18, 20263.76%first recorded
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
Certificate 36 Months Jumbo
$20,000
4.17%
▲ 1.18% above Florida avg
▼
Rate4.10%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 1.18% above avgNationally 2.82%
Details
Jumbo
Rate History
No change since Oct 19, 2026 · 4.17% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
3 Year Long-Term Certificate
$0
4.15%
▲ 1.16% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 1.16% above avgNationally 2.82%
Details
Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
Certificate 36 Months
$1,000
4.12%
▲ 1.13% above Florida avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 1.13% above avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 4.12% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
3 Year Long-Term Certificate
$0
4.10%
▲ 1.11% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 1.11% above avgNationally 2.82%
Details
Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
36 Month CD
$2,500
3.80%
▲ 0.81% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 0.81% above avgNationally 2.82%
Details
Maximum $250,000 per account; penalties may apply to early withdrawals
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
- Oct 14, 20263.80%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
36 Month IRA Share Certificate
$0
3.80%
▲ 0.81% above Florida avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 0.81% above avgNationally 2.82%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 11 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
36 Month Share Certificate
$0
3.80%
▲ 0.81% above Florida avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 0.81% above avgNationally 2.82%
Details
Dividend rate and APY effective Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
Certificates of Deposit - 36 Months
$500
3.65%
▲ 0.66% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 0.66% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate 36 Months
$500
3.65%
▲ 0.66% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 0.66% above avgNationally 2.82%
Details
IRA Certificates; Rate is Dividend Rate
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 4 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
CD - 36 Months
$500
3.55%
▲ 0.56% above Florida avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 0.56% above avgNationally 2.82%
Details
Effective Date: September 21, 2026
Rate History
No change since Oct 19, 2026 · 3.55% APY · checked 3 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
IRA CD 36 Months
$500
3.55%
▲ 0.56% above Florida avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▲ 0.56% above avgNationally 2.82%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Oct 19, 2026 · 3.55% APY · checked 4 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
36 Month CD
$2,500
3.50%
▲ 0.51% above Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 0.51% above avgNationally 2.82%
Details
Business CD; maximum deposit $250,000
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 10 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificates - 36 Months
$0
3.50%
▲ 0.51% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.51% above avgNationally 2.82%
Details
Balance: $50,000 or more
Rate History
No change since Oct 23, 2026 · 3.50% APY · checked 2 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
IRA Share Certificate - 36 Months
$0
3.45%
▲ 0.46% above Florida avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.46% above avgNationally 2.82%
Details
Balance: $500 or more; Early Withdrawal Penalty: 90 Days Interest; Dividends paid monthly
Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 4 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
CD - 36 Month
$0
3.41%
▲ 0.42% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 0.42% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificates - 36 Months
$0
3.40%
▲ 0.41% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.41% above avgNationally 2.82%
Details
Balance: $25,000 - $49,999
Rate History
No change since Oct 23, 2026 · 3.40% APY · checked 2 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
36 Month Jumbo Share and IRA Certificates
$0
3.35%
▲ 0.36% above Florida avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.99%▲ 0.36% above avgNationally 2.82%
Details
*Traditional and Roth IRAs; Jumbo Share and IRA Certificates require a $100,000 minimum balance; Dividends compounded daily and credited monthly; Rates effective July 1, 2026
Rate History
No change since Oct 22, 2026 · 3.35% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
36 Month Jumbo Share Certificate
$100,000
3.31%
▲ 0.32% above Florida avg
▼
Rate3.27%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.99%▲ 0.32% above avgNationally 2.82%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.31% APY · checked 3 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
Share and IRA Certificates - 36 months
$0
3.30%
▲ 0.31% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.99%▲ 0.31% above avgNationally 2.82%
Details
*Traditional and Roth IRAs; Dividends compounded daily and credited monthly; Withdrawals may be subject to an early withdrawal penalty
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificates - 36 Months
$0
3.30%
▲ 0.31% above Florida avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▲ 0.31% above avgNationally 2.82%
Details
Balance: $500 - $24,999
Rate History
No change since Oct 23, 2026 · 3.30% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
36 Month Share Certificate
$500
3.21%
▲ 0.22% above Florida avg
▼
Rate3.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.99%▲ 0.22% above avgNationally 2.82%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.31% → 3.21% ▼ 0.10 pts · high 3.31% / low 3.21%
- Oct 15, 20263.21%▼ from 3.31%
- Sep 25, 20263.31%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1001 Brickell Bay Dr, Miami, FL 33131
36-Month Certificate of Deposit
$500
3.20%
▲ 0.21% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 0.21% above avgNationally 2.82%
Details
Balance: $500 or more; Account matures in 36 months; Fund up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1001 Brickell Bay Dr, Miami, FL 33131
36-Month Fixed Rate CD
$0
3.20%
▲ 0.21% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▲ 0.21% above avgNationally 2.82%
Details
Featured on page under 'Grow your savings your way'
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1441 Brickell Ave, Miami, FL 33131
3 Year Online CD
$0
2.75%
▼ 0.24% below Florida avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 0.24% below avgNationally 2.82%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
36 Month Standard CDs - Rewards
$0
2.75%
▼ 0.24% below Florida avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 0.24% below avgNationally 2.82%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
36 Month Standard IRA CDs - Rewards
$0
2.75%
▼ 0.24% below Florida avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 0.24% below avgNationally 2.82%
Details
Rewards APY column; Dividend Rate 2.72%
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard CD 36-month term
$0
2.75%
▼ 0.24% below Florida avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 0.24% below avgNationally 2.82%
Details
Rewards APY
Rate History
1 change since Oct 14, 2026 · 2.49% → 2.75% ▲ 0.26 pts · high 2.75% / low 2.49%
- Oct 30, 20262.75%▲ from 2.49%
- Oct 14, 20262.49%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard IRA CD 36-month term
$0
2.75%
▼ 0.24% below Florida avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 0.24% below avgNationally 2.82%
Details
IRA; Rewards APY
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
3 Year CD
$0
2.60%
▼ 0.39% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 0.39% below avgNationally 2.82%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 6 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
Share IRA Certificate 36 Month
$500
2.55%
▼ 0.44% below Florida avg
▼
Rate2.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▼ 0.44% below avgNationally 2.82%
Details
Minimum of $500 required to open account; subject to early withdrawal penalty and/or fees
Rate History
No change since Sep 21, 2026 · 2.55% APY · checked 5 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
36-Month Certificate
$0
2.53%
▼ 0.46% below Florida avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.99%▼ 0.46% below avgNationally 2.82%
Details
Fixed; Dividends compounded monthly
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
36 Month Certificates of Deposit
$0
2.50%
▼ 0.49% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 0.49% below avgNationally 2.82%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 36 Months
$0
2.50%
▼ 0.49% below Florida avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 0.49% below avgNationally 2.82%
Details
Dividends paid quarterly and calculated on average monthly balance
Rate History
No change since Oct 19, 2026 · 2.50% APY · checked 3 times
DollarSavingsDirect
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
201 S Biscayne Blvd, Miami, FL 33131
36 Month Certificate of Deposit
$1,000
2.50%
▼ 0.49% below Florida avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 0.49% below avgNationally 2.82%
Details
Many terms available; Subject to penalty for early withdrawal; APY effective November 30, 2024 and subject to change
Rate History
No change since Oct 19, 2026 · 2.50% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
36 Month Standard CDs - Regular
$0
2.49%
▼ 0.50% below Florida avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 0.50% below avgNationally 2.82%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
36 Month Standard IRA CDs - Regular
$0
2.49%
▼ 0.50% below Florida avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 0.50% below avgNationally 2.82%
Details
Regular APY column; Dividend Rate 2.47%
Rate History
No change since Oct 19, 2026 · 2.49% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard CD 36-month term
$0
2.49%
▼ 0.50% below Florida avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 0.50% below avgNationally 2.82%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard IRA CD 36-month term
$0
2.49%
▼ 0.50% below Florida avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 0.50% below avgNationally 2.82%
Details
IRA; Regular APY
Rate History
1 change since Sep 14, 2026 · 2.75% → 2.49% ▼ 0.26 pts · high 2.75% / low 2.49%
- Oct 30, 20262.49%▼ from 2.75%
- Sep 14, 20262.75%first recorded
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
3 Year CD
$0
2.40%
▼ 0.59% below Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 0.59% below avgNationally 2.82%
Details
Balance: $0.00 - $99,999.99
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 10 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
Share Certificate - 3 Year
$500
2.24%
▼ 0.75% below Florida avg
▼
Rate2.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.99%▼ 0.75% below avgNationally 2.82%
Details
Early withdrawal penalties may apply
Rate History
No change since Oct 15, 2026 · 2.24% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
3 Year TD Choice CD
$250
2.00%
▼ 0.99% below Florida avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 0.99% below avgNationally 2.82%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
3 Year Fixed Rate CD
$0
2.00%
▼ 0.99% below Florida avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 0.99% below avgNationally 2.82%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
Fixed Rate CD - 3-Year
$0
2.00%
▼ 0.99% below Florida avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 0.99% below avgNationally 2.82%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
3 Year TD Choice CD
$250
1.99%
▼ 1.00% below Florida avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.99%▼ 1.00% below avgNationally 2.82%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
13241 SW 136th St, MIAMI, FL 33186 5822
3 Year IRA Certificate
$0
1.50%
▼ 1.49% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 1.49% below avgNationally 2.82%
Details
Individual Retirement Account
Rate History
No change since Oct 13, 2026 · 1.50% APY · checked 3 times
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
13241 SW 136th St, MIAMI, FL 33186 5822
Share Certificate - 3 Year
$500
1.50%
▼ 1.49% below Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 1.49% below avgNationally 2.82%
Details
Rates effective as of 10/29/2026; monthly compounding interest
Rate History
No change since Oct 19, 2026 · 1.50% APY · checked 3 times
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1902 NW 14th Ave, Miami, FL 33125 1658
Share Certificate - 36 Months
$0
0.65%
▼ 2.34% below Florida avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 2.34% below avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 0.65% APY · checked 4 times
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1902 NW 14th Ave, Miami, FL 33125 1658
Share IRA Certificate - 36 Months
$0
0.65%
▼ 2.34% below Florida avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.99%▼ 2.34% below avgNationally 2.82%
Details
Share IRA Certificate; Interest compounded monthly
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 7 times
Miami 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
Certificate of Deposit - 48 Months
$0
4.95%
▲ 2.02% above Florida avg
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 2.02% above avgNationally 2.81%
Details
Rate History
No change since Oct 26, 2026 · 4.95% APY · checked 2 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
CD - 48 Months
$500
3.65%
▲ 0.72% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 0.72% above avgNationally 2.81%
Details
Effective Date: September 21, 2026
Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 3 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
IRA CD 48 Months
$500
3.65%
▲ 0.72% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 0.72% above avgNationally 2.81%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
Certificates of Deposit - 48 Months
$500
3.65%
▲ 0.72% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 0.72% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate 48 Months
$500
3.65%
▲ 0.72% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 0.72% above avgNationally 2.81%
Details
IRA Certificates; Rate is Dividend Rate
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 4 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
48 Month IRA Share Certificate
$0
3.65%
▲ 0.72% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 0.72% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 11 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
48 Month Share Certificate
$0
3.65%
▲ 0.72% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▲ 0.72% above avgNationally 2.81%
Details
Dividend rate and APY effective Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
48 Month Share Certificate
$500
3.55%
▲ 0.62% above Florida avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.62% above avgNationally 2.81%
Details
Balance: $50,000 or more
Rate History
No change since Oct 23, 2026 · 3.55% APY · checked 2 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
IRA Share Certificate - 48 Months
$0
3.50%
▲ 0.57% above Florida avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.57% above avgNationally 2.81%
Details
Balance: $500 or more; Early Withdrawal Penalty: 120 Days Interest
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
48 Month Jumbo Share and IRA Certificates
$0
3.45%
▲ 0.52% above Florida avg
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.93%▲ 0.52% above avgNationally 2.81%
Details
*Traditional and Roth IRAs; Jumbo Share and IRA Certificates require a $100,000 minimum balance; Dividends compounded daily and credited monthly; Rates effective July 1, 2026
Rate History
No change since Oct 22, 2026 · 3.45% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
48 Month Share Certificate
$500
3.45%
▲ 0.52% above Florida avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.52% above avgNationally 2.81%
Details
Balance: $25,000 - $49,999
Rate History
No change since Oct 23, 2026 · 3.45% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
CD - 48 Month
$0
3.41%
▲ 0.48% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▲ 0.48% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
Share and IRA Certificates - 48 months
$0
3.40%
▲ 0.47% above Florida avg
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.93%▲ 0.47% above avgNationally 2.81%
Details
*Traditional and Roth IRAs; Dividends compounded daily and credited monthly; Withdrawals may be subject to an early withdrawal penalty
Rate History
No change since Oct 22, 2026 · 3.40% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
48 Month Share Certificate
$500
3.35%
▲ 0.42% above Florida avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average2.93%▲ 0.42% above avgNationally 2.81%
Details
Balance: $500 - $24,999
Rate History
No change since Oct 23, 2026 · 3.35% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
48 Month Jumbo Share Certificate
$100,000
3.21%
▲ 0.28% above Florida avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.93%▲ 0.28% above avgNationally 2.81%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.21% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
48 Month Share Certificate
$500
3.11%
▲ 0.18% above Florida avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.93%▲ 0.18% above avgNationally 2.81%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 15, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1001 Brickell Bay Dr, Miami, FL 33131
48-Month Certificate of Deposit
$500
3.05%
▲ 0.12% above Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▲ 0.12% above avgNationally 2.81%
Details
Earn 3.05% APY on balances of $500 or more; Account matures in 48 months; $500 minimum daily balance required to obtain the advertised APY; Fund up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 10 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
48 Month Standard CDs - Rewards
$0
2.90%
▼ 0.03% below Florida avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 0.03% below avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
48 Month Standard IRA CDs - Rewards
$0
2.90%
▼ 0.03% below Florida avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 0.03% below avgNationally 2.81%
Details
Rewards APY column; Dividend Rate 2.86%
Rate History
No change since Oct 19, 2026 · 2.90% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard CD 48-month term
$0
2.90%
▼ 0.03% below Florida avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 0.03% below avgNationally 2.81%
Details
Rewards APY
Rate History
1 change since Oct 14, 2026 · 2.64% → 2.90% ▲ 0.26 pts · high 2.90% / low 2.64%
- Oct 30, 20262.90%▲ from 2.64%
- Oct 14, 20262.64%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard IRA CD 48-month term
$0
2.90%
▼ 0.03% below Florida avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 0.03% below avgNationally 2.81%
Details
IRA; Rewards APY
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1441 Brickell Ave, Miami, FL 33131
4 Year Online CD
$0
2.75%
▼ 0.18% below Florida avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 0.18% below avgNationally 2.81%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
48 Month Standard CDs - Regular
$0
2.64%
▼ 0.29% below Florida avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 0.29% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
48 Month Standard IRA CDs - Regular
$0
2.64%
▼ 0.29% below Florida avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 0.29% below avgNationally 2.81%
Details
Regular APY column; Dividend Rate 2.61%
Rate History
No change since Oct 19, 2026 · 2.64% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard CD 48-month term
$0
2.64%
▼ 0.29% below Florida avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 0.29% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard IRA CD 48-month term
$0
2.64%
▼ 0.29% below Florida avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 0.29% below avgNationally 2.81%
Details
IRA; Regular APY
Rate History
1 change since Sep 14, 2026 · 2.90% → 2.64% ▼ 0.26 pts · high 2.90% / low 2.64%
- Oct 30, 20262.64%▼ from 2.90%
- Sep 14, 20262.90%first recorded
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
4 Year CD
$0
2.60%
▼ 0.33% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 0.33% below avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 6 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
48 Month Certificates of Deposit
$0
2.50%
▼ 0.43% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 0.43% below avgNationally 2.81%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
4 Year CD
$0
2.40%
▼ 0.53% below Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 0.53% below avgNationally 2.81%
Details
Balance: $0.00 - $99,999.99
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 10 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
Share Certificate - 4 Year
$500
2.24%
▼ 0.69% below Florida avg
▼
Rate2.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.93%▼ 0.69% below avgNationally 2.81%
Details
Early withdrawal penalties may apply
Rate History
No change since Oct 15, 2026 · 2.24% APY · checked 3 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
4 Year Fixed Rate CD
$0
2.00%
▼ 0.93% below Florida avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 0.93% below avgNationally 2.81%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
Fixed Rate CD - 4-Year
$0
2.00%
▼ 0.93% below Florida avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 0.93% below avgNationally 2.81%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
48 Month CD
$2,500
2.00%
▼ 0.93% below Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 0.93% below avgNationally 2.81%
Details
Maximum $250,000 per account; penalties may apply to early withdrawals
Rate History
1 change since Sep 18, 2026 · 1.00% → 2.00% ▲ 1.00 pts · high 2.00% / low 1.00%
- Oct 14, 20262.00%▲ from 1.00%
- Sep 18, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
4 Year TD Choice CD
$0
1.99%
▼ 0.94% below Florida avg
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 0.94% below avgNationally 2.81%
Details
No Longer for Sale
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
48 Month CD
$2,500
1.00%
▼ 1.93% below Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 1.93% below avgNationally 2.81%
Details
Business CD; maximum deposit $250,000
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 10 times
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
1902 NW 14th Ave, Miami, FL 33125 1658
Share Certificate - 48 Months
$0
0.65%
▼ 2.28% below Florida avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average2.93%▼ 2.28% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 0.65% APY · checked 4 times
Sunstate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14095 S Dixie Hwy, Miami, FL 33176
48 Month Certificates of Deposit (CDs)
$0
0.45%
▼ 2.48% below Florida avg
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.48% below avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 0.45% APY · checked 3 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
48 Month Regular CD Account
$0
0.10%
▼ 2.83% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.83% below avgNationally 2.81%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
777 Brickell Ave, Miami, FL 33131
48 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.88% below Florida avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.88% below avgNationally 2.81%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
Certificate of Deposit - 48 Months
$1,000
0.03%
▼ 2.90% below Florida avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.90% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
IRA CD 48 Months
$250
0.03%
▼ 2.90% below Florida avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.90% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
Certificate of Deposit - 48 Months
$1,000
0.02%
▼ 2.91% below Florida avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.91% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
IRA CD 48 Months
$250
0.02%
▼ 2.91% below Florida avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.91% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
Certificate of Deposit - 48 Months
$1,000
0.01%
▼ 2.92% below Florida avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.92% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
800 Brickell Ave, Miami, FL 33131
IRA CD 48 Months
$250
0.01%
▼ 2.92% below Florida avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▼ 2.92% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month CD - Relationship CD
$2,500
4.70%
▲ 1.77% above Florida avg
▼
Rate4.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average2.93%▲ 1.77% above avgNationally 2.81%
Details
Relationship CD; Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
No change since Oct 31, 2026 · 4.70% APY
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
Certificate of Deposit - 48 Months
$0
4.65%
▲ 1.72% above Florida avg
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.93%▲ 1.72% above avgNationally 2.81%
Details
Rate History
No change since Oct 28, 2026 · 4.65% APY
Synchrony Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.55%
IRA CD - 48 Months
$0
4.65%
▲ 1.72% above Florida avg
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average2.93%▲ 1.72% above avgNationally 2.81%
Details
Rate History
No change since Oct 28, 2026 · 4.65% APY
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month CDVantage CD
$100,000
4.25%
▲ 1.32% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Interest Frequency: Semi-annual; Maturity Date: 07-22-2030; Earliest Settlement Date: 07-22-2026; Amount Available: $1,000,000
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
CDVantage CD - 48 Months
$100,000
4.25%
▲ 1.32% above Florida avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Florida Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Interest Frequency: Semi; Nationally sourced CD offering via CDVantage
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 2 times
Miami 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
8180 Nw 36th St, Miami, FL 33166
Certificate of Deposit - 60 Months
$0
5.00%
▲ 1.87% above Florida avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 1.87% above avgNationally 2.92%
Details
Rate History
No change since Oct 26, 2026 · 5.00% APY · checked 2 times
TotalBank
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
25 W Flagler St, Miami, FL 33130
60-month online CD
$25,000
4.50%
▲ 1.37% above Florida avg
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▲ 1.37% above avgNationally 2.92%
Details
Online Only; $25,000 minimum deposit to open and earn APY; maximum $1,000,000 per client
Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
- Oct 2, 20264.50%▲ from 3.76%
- Sep 18, 20263.76%first recorded
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
Certificate 60 Months Jumbo
$20,000
4.28%
▲ 1.15% above Florida avg
▼
Rate4.20%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 1.15% above avgNationally 2.92%
Details
Jumbo
Rate History
No change since Oct 19, 2026 · 4.28% APY · checked 4 times
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1000 NW 111th Ave, Miami, FL 33172 5800
Certificate 60 Months
$1,000
4.23%
▲ 1.10% above Florida avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 1.10% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 4.23% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
5 Year Long-Term Certificate
$0
3.90%
▲ 0.77% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▲ 0.77% above avgNationally 2.92%
Details
Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
909 Brickell Plz Ste 100, Miami, FL 33131 3032
5 Year Long-Term Certificate
$0
3.85%
▲ 0.72% above Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▲ 0.72% above avgNationally 2.92%
Details
Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
CD - 60 Months
$500
3.75%
▲ 0.62% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 0.62% above avgNationally 2.92%
Details
Effective Date: September 21, 2026
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12200 SW 127th Ave, Miami, FL 33186 6599
IRA CD 60 Months
$500
3.75%
▲ 0.62% above Florida avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 0.62% above avgNationally 2.92%
Details
Visit a Branch to Open; Min. Average Daily Balance to Earn APY: $500
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
Certificates of Deposit - 60 Months
$500
3.65%
▲ 0.52% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 0.52% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 4 times
Tropical Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
20395 NW 2nd Ave, Miami, FL 33169
IRA Certificate 60 Months
$500
3.65%
▲ 0.52% above Florida avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 0.52% above avgNationally 2.92%
Details
IRA Certificates; Rate is Dividend Rate
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 4 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
60 Month IRA Share Certificate
$0
3.65%
▲ 0.52% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 0.52% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 11 times
Miami Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
1111 NW 7th St, Miami, FL 33136
60 Month Share Certificate
$0
3.65%
▲ 0.52% above Florida avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▲ 0.52% above avgNationally 2.92%
Details
Dividend rate and APY effective Monday, October 19th, 2026
Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
IRA Share Certificate - 60 Months
$0
3.60%
▲ 0.47% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.47% above avgNationally 2.92%
Details
Balance: $500 or more; Early Withdrawal Penalty: 150 Days Interest
Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificate - 60 Months
$0
3.60%
▲ 0.47% above Florida avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.47% above avgNationally 2.92%
Details
Balance: $50,000 or more; Min Balance: $500; APY based on interest remaining in certificate until maturity; Dividends paid monthly
Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 3 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
60 Month Jumbo Share and IRA Certificates
$0
3.55%
▲ 0.42% above Florida avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.13%▲ 0.42% above avgNationally 2.92%
Details
*Traditional and Roth IRAs; Jumbo Share and IRA Certificates require a $100,000 minimum balance; Dividends compounded daily and credited monthly; Rates effective July 1, 2026
Rate History
No change since Oct 22, 2026 · 3.55% APY · checked 3 times
Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
7800 SW 117th Ave, Miami, FL 33183 3825
Share and IRA Certificates - 60 months
$0
3.50%
▲ 0.37% above Florida avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.13%▲ 0.37% above avgNationally 2.92%
Details
*Traditional and Roth IRAs; Dividends compounded daily and credited monthly; Withdrawals may be subject to an early withdrawal penalty
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificate - 60 Months
$0
3.50%
▲ 0.37% above Florida avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.37% above avgNationally 2.92%
Details
Balance: $25,000 - $49,999; Min Balance: $500; APY based on interest remaining in certificate until maturity; Dividends paid monthly
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1101 Brickell Avenue, Miami, FL 33131
CD - 60 Month
$0
3.41%
▲ 0.28% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▲ 0.28% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
Baptist Health South Florida Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
13200 SW 128th St, Miami, FL 33186
Share Certificate - 60 Months
$0
3.40%
▲ 0.27% above Florida avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▲ 0.27% above avgNationally 2.92%
Details
Balance: $500 - $24,999; Min Balance: $500; APY based on interest remaining in certificate until maturity; Dividends paid monthly
Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
60 Month Jumbo Share Certificate
$100,000
3.21%
▲ 0.08% above Florida avg
▼
Rate3.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.13%▲ 0.08% above avgNationally 2.92%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 15, 2026 · 3.21% APY · checked 3 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
60 Month Share Certificate
$500
3.11%
▼ 0.02% below Florida avg
▼
Rate3.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.13%▼ 0.02% below avgNationally 2.92%
Details
Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase on new and renewed certificate accounts; penalty for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.21% → 3.11% ▼ 0.10 pts · high 3.21% / low 3.11%
- Oct 15, 20263.11%▼ from 3.21%
- Sep 25, 20263.21%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
60 Month Standard CDs - Rewards
$0
3.10%
▼ 0.03% below Florida avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 0.03% below avgNationally 2.92%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
60 Month Standard IRA CDs - Rewards
$0
3.10%
▼ 0.03% below Florida avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 0.03% below avgNationally 2.92%
Details
Rewards APY column; Dividend Rate 3.06%
Rate History
No change since Oct 19, 2026 · 3.10% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard CD 60-month term
$0
3.10%
▼ 0.03% below Florida avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 0.03% below avgNationally 2.92%
Details
Rewards APY
Rate History
1 change since Oct 14, 2026 · 2.84% → 3.10% ▲ 0.26 pts · high 3.10% / low 2.84%
- Oct 30, 20263.10%▲ from 2.84%
- Oct 14, 20262.84%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard IRA CD 60-month term
$0
3.10%
▼ 0.03% below Florida avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 0.03% below avgNationally 2.92%
Details
IRA; Rewards APY
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5757 Waterford District Dr, Miami, FL 33126 2035
Share Certificate - 5 Year
$500
2.87%
▼ 0.26% below Florida avg
▼
Rate2.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.13%▼ 0.26% below avgNationally 2.92%
Details
Early withdrawal penalties may apply
Rate History
No change since Oct 15, 2026 · 2.87% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
60 Month Standard CDs - Regular
$0
2.84%
▼ 0.29% below Florida avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 0.29% below avgNationally 2.92%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 4 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
60 Month Standard IRA CDs - Regular
$0
2.84%
▼ 0.29% below Florida avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 0.29% below avgNationally 2.92%
Details
Regular APY column; Dividend Rate 2.81%
Rate History
No change since Oct 19, 2026 · 2.84% APY · checked 3 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard CD 60-month term
$0
2.84%
▼ 0.29% below Florida avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 0.29% below avgNationally 2.92%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
11800 SW 147th Ave, Miami, FL 33196
Standard IRA CD 60-month term
$0
2.84%
▼ 0.29% below Florida avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 0.29% below avgNationally 2.92%
Details
IRA; Regular APY
Rate History
1 change since Sep 14, 2026 · 3.10% → 2.84% ▼ 0.26 pts · high 3.10% / low 2.84%
- Oct 30, 20262.84%▼ from 3.10%
- Sep 14, 20263.10%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1441 Brickell Ave, Miami, FL 33131
5 Year Online CD
$0
2.75%
▼ 0.38% below Florida avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 0.38% below avgNationally 2.92%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1441 Brickell Ave, Miami, FL 33131
Online CD - 5 Year
$0
2.75%
▼ 0.38% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 0.38% below avgNationally 2.92%
Details
Online CD; Open online; APY accurate as of 07/28/2026
Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 3 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
5 Year CD
$0
2.60%
▼ 0.53% below Florida avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 0.53% below avgNationally 2.92%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 6 times
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
111 NW 1st ST, Miami, FL 33128
60 Month Share Certificate
$500
2.55%
▼ 0.58% below Florida avg
▼
Rate2.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▼ 0.58% below avgNationally 2.92%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 5, 2026 · 2.55% APY · checked 4 times
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
7500 NW 58th St, Miami, FL 33166
60-Month Certificate
$0
2.53%
▼ 0.60% below Florida avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Florida Average3.13%▼ 0.60% below avgNationally 2.92%
Details
Fixed; Dividends compounded monthly
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 times
Amerant Bank
Institution Rating:
B+4.7 ★Texas Ratio: 18.65%
2590 Biscayne Blvd, Miami, FL 33137
60 Month Certificates of Deposit
$0
2.50%
▼ 0.63% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 0.63% below avgNationally 2.92%
Details
FL only; Banking Center: minimum $10,000 up to $500,000 to obtain advertised APY; Online: minimum $500 up to $250,000 to obtain advertised APY; new funds required
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates - 60 Months
$0
2.50%
▼ 0.63% below Florida avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 0.63% below avgNationally 2.92%
Details
Dividends paid quarterly and calculated on average monthly balance
Rate History
No change since Oct 19, 2026 · 2.50% APY · checked 3 times
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1221 Brickell Ave, Miami, FL 33131
5 Year CD
$0
2.40%
▼ 0.73% below Florida avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 0.73% below avgNationally 2.92%
Details
Balance: $0.00 - $99,999.99
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 10 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
5 Year TD Choice CD
$250
2.00%
▼ 1.13% below Florida avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 1.13% below avgNationally 2.92%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
5 Year Fixed Rate CD
$0
2.00%
▼ 1.13% below Florida avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 1.13% below avgNationally 2.92%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
2001 Biscayne Blvd, Miami, FL 33137
Fixed Rate CD - 5-Year
$0
2.00%
▼ 1.13% below Florida avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 1.13% below avgNationally 2.92%
Details
Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
60 Month CD
$2,500
2.00%
▼ 1.13% below Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 1.13% below avgNationally 2.92%
Details
Maximum $250,000 per account; penalties may apply to early withdrawals
Rate History
1 change since Sep 18, 2026 · 1.00% → 2.00% ▲ 1.00 pts · high 2.00% / low 1.00%
- Oct 14, 20262.00%▲ from 1.00%
- Sep 18, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
720 Nw 57th Ave, Miami, FL 33126
5 Year TD Choice CD
$250
1.99%
▼ 1.14% below Florida avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 1.14% below avgNationally 2.92%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
60 Month IRA Share Certificate
$200
1.51%
▼ 1.62% below Florida avg
▼
Rate1.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.13%▼ 1.62% below avgNationally 2.92%
Details
Variable rate account
Rate History
No change since Oct 23, 2026 · 1.51% APY · checked 2 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
60 Month Share Certificate
$200
1.51%
▼ 1.62% below Florida avg
▼
Rate1.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.13%▼ 1.62% below avgNationally 2.92%
Details
Variable rate account; new money opened with at least $5,000 from another source receives an additional 0.50%
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
Miami Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
60 Month Share Jumbo Certificate
$10,000
1.51%
▼ 1.62% below Florida avg
▼
Rate1.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Florida Average3.13%▼ 1.62% below avgNationally 2.92%
Details
Variable rate account; new money opened with at least $5,000 from another source receives an additional 0.50%
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 6 times
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
13241 SW 136th St, MIAMI, FL 33186 5822
5 Year IRA Certificate
$0
1.50%
▼ 1.63% below Florida avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 1.63% below avgNationally 2.92%
Details
Individual Retirement Account
Rate History
No change since Oct 13, 2026 · 1.50% APY · checked 3 times
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
13241 SW 136th St, MIAMI, FL 33186 5822
Share Certificate - 5 Year
$500
1.50%
▼ 1.63% below Florida avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Florida Average3.13%▼ 1.63% below avgNationally 2.92%
Details
Rates effective as of 10/29/2026; monthly compounding interest
Rate History
No change since Oct 19, 2026 · 1.50% APY · checked 3 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
801 Brickell Ave, Miami, FL 33131
60 Month Personal CD
$0
1.31%
▼ 1.82% below Florida avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 1.82% below avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 1.31% APY · checked 4 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1111 Brickell Ave, Miami, FL 33131
60 Month CD
$2,500
1.00%
▼ 2.13% below Florida avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Florida Average3.13%▼ 2.13% below avgNationally 2.92%
Details
Business CD; maximum deposit $250,000
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 10 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Miami, FL CD Rate Trends
Compare local Miami, 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
3.221%
▲ 0.024 vs 7 days ago
Florida 12-month CD rates rose 0.024 points over the past 7 days to 3.221% APY.
6-Month CD FL Avg
3.009%
▼ 0.007 vs 7 days ago
Florida 6-month CD rates fell 0.007 points over the past 7 days to 3.009% APY.
As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
3.221%
6-Month Forecast
3.221%
Range: 3.02%, 3.37%
12-Month Forecast
3.471%
Range: 3.27%, 3.62%
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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 | 2.030% | $101.51 | $203.01 | $507.53 | $1,015.05 |
| 6-Month CD | 3.009% | $150.44 | $300.88 | $752.20 | $1,504.40 |
| 12-Month CD | 3.221% | $161.02 | $322.05 | $805.12 | $1,610.25 |
| 18-Month CD | 3.218% | $160.92 | $321.83 | $804.58 | $1,609.15 |
| 24-Month CD | 3.151% | $157.55 | $315.09 | $787.73 | $1,575.45 |
| 36-Month CD | 2.987% | $149.33 | $298.67 | $746.68 | $1,493.35 |
| 48-Month CD | 2.931% | $146.55 | $293.09 | $732.72 | $1,465.45 |
| 60-Month CD | 3.135% | $156.73 | $313.45 | $783.63 | $1,567.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026. | |||||
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Sample CD Ladder for Miami, 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 | 2.030% | $101.51 |
| 2 | 6-Month CD | $5,000 | 3.009% | $150.44 |
| 3 | 12-Month CD | $5,000 | 3.221% | $161.02 |
| 4 | 24-Month CD | $5,000 | 3.151% | $157.55 |
| 5 | 36-Month CD | $5,000 | 2.987% | $149.33 |
| Total ($25,000 invested) | $25,000 | 2.879% blended | $719.85/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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2,074
CD Rates
Tracked in Miami, Florida
Tracked in Miami, Florida
49 Banks
55 Credit Unions
About Our Miami, Florida CD Rate Database
MonitorBankRates tracks 2,074 CD rates from 49 banks and 55 credit unions with locations in Miami, 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: Popular Direct offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Miami, Florida.
How to Find the Best CD Rates in Miami, Florida
What to compare when shopping for a CD in Miami, Florida
To find the best APYs in Miami, Florida, start with credit unions and online-only banks: Miami, Florida has 55 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Miami, 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 Miami, Florida: 104 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Miami, Florida savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Miami, Florida money market rates
Miami, Florida Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.9%
National avg: 17.3%
Median Individual Earnings
$38,075
National avg: $47,340
Poverty Rate
19.4%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$123/yr
At FL 12-mo avg 3.221% APY
15.9% of residents are 65 or older, below the national average of 17.3%. At today’s FL 12-month CD average of 3.221%, saving 10% of the local median salary ($3,807/year) and putting it in a CD would earn an additional $123 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 Miami, 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 |
CD Product Information
How CDs Work
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 Miami, 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 Miami, Florida as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Miami, Florida savers easier access to their funds. For example, Popular Direct is offering its 6-month CD at 4.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Popular Direct is offering its Certificate of Deposit - 60 Months at 5.00% 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
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 Miami, 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
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 Miami, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Miami, 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 Miami, Florida
What are CD rates in Miami, Florida today?
Miami, Florida CD rates range from 0.01% to 5.00% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 5.00% APY at Popular Direct (Certificate of Deposit - 60 Months), 4.60% at HSBC Bank USA (New Money CD - 24 Month) and 4.50% at TotalBank (24-month online CD), compared with the MonitorBankRates national 12 month average of 3.01% APY.
Are CD rates in Miami, Florida FDIC insured?
Yes, most established banks in Miami, 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 Miami, 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 Miami, 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 Miami, 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 Miami, Florida?
Here are recent top rates found for this area:
- Popular Direct: 5.00% APY (Certificate of Deposit - 60 Months)
- HSBC Bank USA: 4.60% APY (New Money CD - 24 Month)
- TotalBank: 4.50% APY (24-month online CD)
- Tropical Financial Credit Union: 4.40% APY (Certificates of Deposit - 12 Months)
- City National Bank: 4.39% APY (Special 12-Month Fixed Rate CD)
- Pacific National Bank: 4.35% APY (12 Month Certificate of Deposit)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- TD Bank: 4.30% APY (24 Month TD Choice CD)
- Newtek Bank: 4.30% APY (6 Month CD)
- Miami Firefighters Credit Union: 4.30% APY (24 Month Share Certificate)
Rates reflect recent verified offers available in Miami, Florida. Last Updated: October 31, 2026
Miami, 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 Miami, 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.
CD Calculators for Miami, Florida
Miami, Florida CD Calculator
At today’s FL top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Miami, Florida CD LadderFL CD rates currently range from 2.030% (3-month) to 2.987% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Miami, Florida CD at 5.00% 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 SavingsFlorida’s average 12-month CD is 3.221% 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 Miami, 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 Miami, 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 Miami, 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 31, 2026
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