Miami, Florida Best CD Rates September 2026

Non-Promotional APY

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

Regular APY

IRA CD

Relationship APY 0.06%

Relationship APY 0.06%

SPECIAL OFFER THRU 9/30/26

Promotional APY is available on new money only deposited into a new 3-Month Certificate of Deposit. Offer valid through September 30, 2026. APY is accurate as of August 3, 2026, and is subject to change without notice after the promotional period. Early withdrawal penalties may apply and may reduce earnings. Fees may reduce earnings. Membership eligibility required. At maturity, the certificate will renew according to the Credit Union's current certificate renewal policy unless otherwise instructed during the grace period. See offer page for more information.

Promotional; Offer valid through September 30, 2026. APY is accurate as of August 3, 2026, and is subject to change without notice after the promotional period. Early withdrawal penalties may apply and may reduce earnings. Fees may reduce earnings. Membership eligibility required. At maturity, the certificate will renew according to the Credit Union's current certificate renewal policy unless otherwise instructed during the grace period. See offer page for more information.

SPECIAL OFFER THRU 9/30/26

SPECIAL OFFER THRU 9/30/26

Existing certificates only - no new accounts offered

VIP Bonus Rate: 3.49%, VIP Bonus APY: 3.55%. Rates as of 09/12/26 and subject to change.

Penalty for early withdrawal: 3 Months Dividends

Maximum Certificate balance: $2,500

VIP Bonus Rate: 3.35%, VIP Bonus APY: 3.40%. Rates as of 09/12/26 and subject to change.

Special promotion. Must be new money to Ocean Bank. New money is funds not currently on deposit at Ocean Bank. Interest rates may change without notice. Initial CD deposit amount is required to be maintained each day to earn the APY disclosed. There will be a penalty for early withdrawals on CDs. Offer does not apply to IRA CDs. Offer subject to change without notice and subject to change at any time.

If the certificate is redeemed prior to maturity date, the penalty shall be equal to all the interest earned on the amount withdrawn prior to the maturity date, or an amount equal to 90 days interest at the certificate rate. The penalty is calculated as a forfeiture of part or all of the interest that has been earned on the account. Fees could reduce the earnings on the account. Advertised rates are subject to change without notice. Federally insured by NCUA.

IRA Certificate

Promotional rates are available for a limited time.

(180 to 269 days)

Regular APY

Relationship APY

Non-Promotional APY

Relationship APY 0.06%

Relationship APY 0.06%

Compound Period: Daily

Compound Period: Daily

No additional deposits allowed. No penalty for early withdrawals. The account matures in 6 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.

Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.

Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.

FL

Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly

Non-Promotional APY

Interest Frequency: Monthly

This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.

Interest Frequency: Semi

Interest Frequency: Semi

Traditional/Roth IRA Certificates.

Requires a qualifying checking account.

Interest Frequency: Monthly