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CD Rates Miami, Florida (FL) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 20, 2026

Current Miami, Florida CD rates include MIAMI FIREFIGHTERSMIAMI FIREFIGHTERS1111 NW 7th St, Miami, FL 33136A5.0 ★Texas Ratio: 6.55%Real return: +1.35%APY minus CPI (February 2026) offering 18 Month IRA Share Certificate at 4.15% APY, Newtek BankNewtek Bank1111 Brickell Ave, Miami, FL 33131A+5.0 ★Texas Ratio: 5.72%Real return: +1.30%APY minus CPI (February 2026) offering 6 Month CD at 4.10% APY, Total Direct BankTotal Direct Bank25 W Flagler St, Miami, FL 33130A5.0 ★Texas Ratio: 6.04%Real return: +1.20%APY minus CPI (February 2026) offering 3-month online CD at 4.00% APY, Justice Federal Credit UnionJustice Federal Credit Union400 NW 2nd Ave Ste 309, Miami, FL 33128 1706A5.0 ★Texas Ratio: 9.17%Real return: +1.20%APY minus CPI (February 2026) offering Traditional IRA and Roth IRA Certificate 36 month at 4.00% APY, and Pacific National BankPacific National Bank1390 Brickell Ave, Miami, FL 33131A+5.0 ★Texas Ratio: 0.22%Real return: +1.15%APY minus CPI (February 2026) offering 6 Month Certificate of Deposit at 3.95% APY. CD rates as of April 20, 2026 according to verified data from MonitorBankRates.

Miami has 107 local institutions in our database, with CD rates as high as 4.15% APY from MIAMI FIREFIGHTERS at 1111 NW 7th St, Miami, FL 33136. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Florida area. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 20, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
25 W Flagler St, Miami, FL 33130
3-month online CD
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Available for current 3-Month CD clients only:

Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
1395 Brickell Ave, Miami, FL 33131
3 month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
3-Month CD
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
3 Month Business CD
$2,500
3.50%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details

Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1150 S Miami Ave, Miami, FL 33130
3-Month CD (Certificate of Deposit)
$1,000
3.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL 33122 1824
3 Months Share Certificates
$0
2.25%
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
View
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 NW 1st ST, Miami, FL 33128
3 month Share Certificates
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
3-month term Standard CDs
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7500 NW 58th St, Miami, FL 33166
3-Month Certificates and IRA Certificates
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 90 Day CD
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 S Biscayne Blvd, Miami, FL 33131
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details

Early withdrawal penalties may apply

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 90 Days
$0
0.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Share Certificates 3 month
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.66%
View
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 3 month
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3 Months CD
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
3-Month CD
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Annual Percentage Yield (APY). The interest rate and APY are effective as of April 16, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days' interest. For a 6-month term, the penalty is 3 months' interest. For a term from 7-12 months, the penalty is 6 months' interest. For a term of 13 or more months, the penalty is 12 months' interest. Fees could reduce earnings on the account. Additional restrictions may apply.

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 3 Month
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 3 Months
$0
3.35%
View
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 3 Months
$0
3.29%
View
▼
Rate3.24%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Month Share Certificate
$1,000
3.26%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
3-Month Term Certificate
$1,000,000
3.25%
View
▼
Rate3.20%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details

Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3 Months Certificate
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
92 days / 3 month Share Certificate
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.05%
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Relationship

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
3 months Compounding Share Certificates
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
90 Days Certificates of Deposit (CDs)
$2,000
2.90%
View
▼
Rate2.86%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details

Commerce Bank & Trust
Institution Rating:
A+5.0 ★
90 day CD (Non-IRA)
$500
2.75%
View
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

A penalty may be imposed for early withdrawal.

Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
90 Days Certificate of Deposit
$500
2.65%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo Term Share Certificates 3 Months
$0
2.60%
View
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 and above

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3 month CD
$500
2.40%
View
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 month Certificate Account
$0
2.10%
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3-Month CD
$0
1.12%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3 Month Term Certificate
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
Certificates of Deposit (CDs) 3 Months
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
3 Months Certificate of Deposit
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 3-Month
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Minimum to open & earn dividends: $100,000

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 months Certificate
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
3 Month CD
$500
0.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Bank of Pensacola
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposits 3 Months
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Harvesters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
Certificate of Deposit 3 Months
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

BankPlus
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Personal Certificates of Deposit 90 Days
$1,000
0.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Century Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 9.23%
90 Day Certificate of Deposits
$0
0.07%
View
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

PNB Community Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.55%
3 Month Certificate of Deposit
$1,000
0.03%
View
▼
Rate0.03%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
6 Month CD
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Limited Time

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
25 W Flagler St, Miami, FL 33130
6-month online CD
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1390 Brickell Ave, Miami, FL 33131
6 Month Certificate of Deposit
$0
3.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7500 NW 58th St, Miami, FL 33166
6-Month Certificates and IRA Certificates
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
6 Month IRA Share Certificate
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Miami Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
Share Jumbo Certificates 6 Months
$10,000
3.80%
View
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details

Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates.

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 NW 1st ST, Miami, FL 33128
6-Month CD
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
8941 Sw 136th St, Miami, FL 33176
6-month CD
$2,500
3.65%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL 33131
New Money CDs 6 Month
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Ocean Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
780 Nw 42nd Ave, Miami, FL 33126
6-Month CD
$2,500
3.50%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details

Special promotion. See disclosures at bottom of page.

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
6-Month Certificate of Deposit
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1000 NW 111th Ave, Miami, FL 33172 5800
6 Months Certificates and CD IRAs
$20,000
3.40%
View
▼
Rate3.35%
Min Deposit$20,000
Min Balance—
UpdatedApr 20, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
6 month Share Certificate
$100,000
3.16%
View
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL 33122 1824
6 Month Youth CD Share Certificates
$0
2.05%
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
6-month term Standard CDs
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
13241 SW 136th St, MIAMI, FL 33186 5822
6 Month Certificate
$500
1.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 180 Days
$0
0.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 S Biscayne Blvd, Miami, FL 33131
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details

Early withdrawal penalties may apply

Waterfall Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-MONTH CERTIFICATE OF DEPOSIT
$50,000
4.45%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details

New money only. New money is defined as money not currently deposited with Waterfall Bank. Fees could reduce earnings. Promotion may end at any time at Waterfall Bank's discretion. Penalties apply for early withdrawal.

United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6-Month CD Term
$1,000
4.20%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Fixed Rate Jumbo Certificates 6 Months
$50,000
4.13%
View
▼
Rate4.05%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6 month IRA CD
$100,000
4.10%
View
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 month Certificate Account
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

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

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Share Certificates 6 month
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Months Certificates of Deposit (CDs)
$2,000
3.95%
View
▼
Rate3.87%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details

Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6-month certificate
$500
3.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

New money only.

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
6-Month Share Certificate
$1,000
3.87%
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Month IRA Jumbo
$100,000
3.87%
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
6 month term
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit - 100,000 6 Months
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$75,000

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
6-Month CD
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 MONTH CD
$0
3.72%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Business CDs 6 month
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
6 Months Certificate
$0
3.70%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6-Month IRA Certificate
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

BayFirst National Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.71%
6-Month CD
$1,000
3.64%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
6 Month CD
$100,000
3.60%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6 Month SaveUP CD Super Jumbo Max
$1,000,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 6-month CD
$1,000
3.56%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6 Months - 18 Months CD
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
6-Month IRA Certificate
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Call for Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate of Deposit (IRA)
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Months Certificate
$0
3.52%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
6-Month Jumbo Term Share Certificates
$100,000
3.51%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
6 month CD & IRA CD
$1,000
3.50%
View
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Relationship

Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
6 Month Share Certificate Accounts
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
25 W Flagler St, Miami, FL 33130
12-month CD
$25,000
4.00%
View
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedApr 20, 2026
Details

Online-only high-yield rates.

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
12 Month IRA Share Certificate
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
12 Month Business CD
$2,500
4.00%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7500 NW 58th St, Miami, FL 33166
12-Month Certificates and IRA Certificates
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1390 Brickell Ave, Miami, FL 33131
12 Month Certificate of Deposit
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL 33131
New Money CDs 12 Month
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Miami Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
Share IRA Certificates 12 Months
$200
3.55%
View
▼
Rate3.50%
Min Deposit$200
Min Balance—
UpdatedApr 20, 2026
Details

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

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
12-Month Fixed Rate CD
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 12 month
$100,000
3.31%
View
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1000 NW 111th Ave, Miami, FL 33172 5800
12 Months Certificates and CD IRAs
$20,000
3.30%
View
▼
Rate3.25%
Min Deposit$20,000
Min Balance—
UpdatedApr 20, 2026
Details

Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1150 S Miami Ave, Miami, FL 33130
12-Month CD (Certificate of Deposit)
$1,000
3.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 NW 1st ST, Miami, FL 33128
12 month Share Certificates
$0
2.92%
View
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL 33122 1824
12 Months Share Certificates
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
5757 Waterford District Dr, Miami, FL 33126 2035
1 Year Share Certificate
$0
1.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 S Biscayne Blvd, Miami, FL 33131
1 year Standard Fixed Rate CD
$2,500
1.51%
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details

Early withdrawal penalties may apply

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
12-month term Standard CDs
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
13241 SW 136th St, MIAMI, FL 33186 5822
1 Year Certificate
$500
1.25%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
720 Nw 57th Ave, Miami, FL 33126
12 Month IRA Certificates
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details

Relationship APY

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 12 Months
$0
0.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit Teen 12 Month Special
$0
4.33%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

*Max Amount $2,500

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
12 Month CD
$1,000
4.20%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Minimum balance to open is $1,000 . Dividends compounded/paid monthly

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Fixed Rate Jumbo Certificates 12 Months
$50,000
4.08%
View
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Youth Advantage - 12 Month Term Super Jumbo Max
$1,000,000
4.08%
View
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12-Month Term Certificate
$1,000,000
4.05%
View
▼
Rate3.98%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details

Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
12-Month Share Certificate Account
$1,000
4.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 12-month CD
$1,000
4.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Waterfall Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-MONTH CERTIFICATE OF DEPOSIT
$50,000
4.00%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details

New money only. New money is defined as money not currently deposited with Waterfall Bank. Fees could reduce earnings. Promotion may end at any time at Waterfall Bank's discretion. Penalties apply for early withdrawal.

Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
12-month Certificate
$500
4.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Months Certificates of Deposit (CDs)
$2,000
4.00%
View
▼
Rate3.92%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$10,000 - $49,999.99

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
12 Month IRA Jumbo
$100,000
3.87%
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
1-Year Share Certificate
$1,000
3.87%
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Minimum to open & earn dividends: $100,000

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1-year Certificate
$0
3.82%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo 12 Month Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Minimum $75,000

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Relationship

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 12 month
$40,000
3.80%
View
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
12-Month Term Share Certificates Starter Rate
$500
3.80%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Starter Rate $500 min & max deposit*

City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
12 Months Certificate
$0
3.75%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

COMPASS FINANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Jumbo Certificates of Deposit - Limited Time Promotion 12 Month
$100,000
3.75%
View
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 1 Year
$100,000
3.75%
View
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
12 month term
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
12 Month Certificate
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12-Mo. Jumbo Promo. Cert.
$100,000
3.70%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 min.; Additional terms available.; Offer ends April 20, 2026.

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
12 Months Certificate
$0
3.67%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 MONTH CD
$0
3.67%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
12-month CD
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 year Certificate
$0
3.61%
View
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
18 Month IRA Share Certificate
$0
4.15%
View
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
18 Month Business CD
$2,500
3.95%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
5757 Waterford District Dr, Miami, FL 33126 2035
18 Month Bump Up Share Certificate
$0
3.14%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

SPECIAL Share Certificate Rates

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 NW 1st ST, Miami, FL 33128
18 month Share Certificates
$0
3.07%
View
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Miami Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
Share Jumbo Certificates 18 Months
$10,000
3.03%
View
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details

Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates.

Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL 33122 1824
18 Months Share Certificates
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7500 NW 58th St, Miami, FL 33166
18-Month Certificates and IRA Certificates
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
720 Nw 57th Ave, Miami, FL 33126
18 Month IRA Certificates
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details

Relationship APY

Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
Share Certificate 18 Month Market Watch
$500
4.15%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Months Certificates of Deposit (CDs)
$2,000
4.00%
View
▼
Rate3.92%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 and over

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA Jumbo
$100,000
3.87%
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 18 month
$40,000
3.80%
View
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
View
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 Minimum to Earn APY

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 MONTH CERTIFICATE
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 18-month CD
$1,000
3.61%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Relationship

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Months CD
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
18 Months Certificate
$0
3.52%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
548 days / 18 month Share Certificate
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
18 Months Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Share Certificates 18 month
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18-Mo. Jumbo Promo. Certificate
$100,000
3.50%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Offer ends April 20, 2026.

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
18 Month IRA
$500
3.40%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit - 100,000 18 Months
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$75,000

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
18 Month CD
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 18 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Certificates of Deposit - Pulse Certificate 18 months
$100
3.40%
View
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details

Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
18 Month CD
$500
3.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 18 Months
$0
3.35%
View
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
18 month IRA CD
$100,000
3.35%
View
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 18 Month
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
18 month CD & IRA CD
$1,000
3.30%
View
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 18-Month Share Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
18 Month Share Certificate Accounts
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Commerce Bank & Trust
Institution Rating:
A+5.0 ★
18 month CD
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

A penalty may be imposed for early withdrawal.

First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
18 Month Certificate and IRA Certificates
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
18 month term
$0
3.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
18 months Compounding Share Certificates
$0
3.15%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18-Month Jumbo Term Share Certificates
$100,000
3.09%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
Certificates of Deposit (CDs) 18 Months
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
18-Month Term Certificate
$100,000
3.05%
View
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
18 Months Share Certificate
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

IncredibleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
18 Month CD
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Months Term Share Certificates
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 18-Month
$1,000
2.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

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

Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18-Month IRA Certificate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
24 Month IRA Share Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
24 Month CD
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
25 W Flagler St, Miami, FL 33130
24-month online CD
$0
3.75%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL 33131
New Money CDs 24 Month
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
24-Month Fixed Rate CD
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1000 NW 111th Ave, Miami, FL 33172 5800
24 Months Certificates and CD IRAs
$20,000
3.14%
View
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedApr 20, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 NW 1st ST, Miami, FL 33128
24 month Share IRA Certificates
$0
3.07%
View
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Miami Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
Share Jumbo Certificates 24 Months
$10,000
2.78%
View
▼
Rate2.75%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details

Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
24-month term Standard CDs
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7500 NW 58th St, Miami, FL 33166
24-Month Certificates and IRA Certificates
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL 33122 1824
24 Months Share Certificates
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
13241 SW 136th St, MIAMI, FL 33186 5822
2 Year Certificate
$500
1.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 2 Year IRA CD
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 24 Months
$0
0.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
24 MONTH CERTIFICATE
$0
4.16%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
24 Months Certificates of Deposit (CDs)
$2,000
4.10%
View
▼
Rate4.02%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 and over

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
Fixed Rate Jumbo Certificates 24 Months
$50,000
3.98%
View
▼
Rate3.90%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 24 month
$40,000
3.95%
View
▼
Rate3.87%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Month IRA Jumbo
$100,000
3.87%
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
24 month IRA CD
$100,000
3.85%
View
▼
Rate3.78%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
24-Month Term Certificate
$750,000
3.85%
View
▼
Rate3.78%
Min Deposit$750,000
Min Balance—
UpdatedApr 20, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
2-Year Share Certificate
$1,000
3.77%
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 24 Month
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
24-Month Share Certificate Account
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

$1,000-$9,999

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 24-Month
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Minimum to open & earn dividends: $100,000

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
24 Month CD
$100,000
3.70%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 2 Years
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 2 Year
$100,000
3.60%
View
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Relationship

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Months Certificate
$0
3.52%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 24-month CD
$1,000
3.51%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
2 Year Certificate Accounts
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
24 Month IRA
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit - 100,000 24 Months
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$75,000

City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
24 Months Certificate
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 24 Months
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
24 Month Term Certificate
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 Minimum to Earn APY

Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Certificates of Deposit - Pulse Certificate 24 months
$100
3.44%
View
▼
Rate3.39%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details

Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
24 Months Certificate
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 24 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
730 days / 24 month Share Certificate
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
24 Month Millionaire Certificate
$1,000,000
3.40%
View
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details

Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 24 Months
$0
3.35%
View
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
2 years Certificate
$0
3.35%
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Star/IRA Certificates 24 Month
$0
3.31%
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
24 Month CD
$500
3.30%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
24 month CD & IRA CD
$1,000
3.30%
View
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
View
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
36 Month IRA Share Certificate
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
36 Month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
25 W Flagler St, Miami, FL 33130
36-month online CD
$0
3.76%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
36-Month CD
$500
3.20%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1000 NW 111th Ave, Miami, FL 33172 5800
36 Months Certificates and CD IRAs
$20,000
3.14%
View
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedApr 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
36-month term Standard CDs
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 NW 1st ST, Miami, FL 33128
36 month Share IRA Certificates
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7500 NW 58th St, Miami, FL 33166
36-Month Certificates and IRA Certificates
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL 33122 1824
36 Months Share Certificates
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
13241 SW 136th St, MIAMI, FL 33186 5822
3 Year Certificate
$500
1.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
720 Nw 57th Ave, Miami, FL 33126
3 Year Certificate
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details

Relationship APY

OneUnited Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3275 Nw 79th St, Miami, FL 33147
UNITY 3 Year CD
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 36 Months
$0
0.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Adjustable 36 Month Term Super Jumbo Max
$1,000,000
4.18%
View
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
36 Months Certificates of Deposit (CDs)
$2,000
4.15%
View
▼
Rate4.07%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Years Add-On Certificate
$0
4.15%
View
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 MONTH CERTIFICATE
$0
3.91%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
36 Month IRA Jumbo
$100,000
3.87%
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
36 Months Fixed Rate Certificates
$1,000
3.82%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Year Share Certificate
$1,000
3.82%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
36 Month CD
$100,000
3.65%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 36 month
$40,000
3.64%
View
▼
Rate3.58%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month IRA
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Relationship

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
36 Month Term Jumbo Certificate
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
View
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 Minimum to Earn APY

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
36-Month Term Certificate
$750,000
3.55%
View
▼
Rate3.49%
Min Deposit$750,000
Min Balance—
UpdatedApr 20, 2026
Details

Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 3 Year
$100,000
3.55%
View
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
36 month IRA CD
$100,000
3.55%
View
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 36-Month
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Minimum to open & earn dividends: $100,000

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
36 Month IRA CD
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 36-Month
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

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

Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
36-Month Share Certificate Account
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Months Certificate
$0
3.46%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1095 days / 36 month Share Certificate
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit - 100,000 36 Months
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$75,000

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
3 years Certificate
$0
3.40%
View
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 36 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 36 Months
$0
3.39%
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
3-year Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
3-Year Share Certificate
$1,000
3.30%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
36 Months Certificate
$0
3.25%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 3-Year Share Certificate
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 Month BUMP Share Certificates
$0
3.15%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 years
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 and above

Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
Certificates of Deposit (CDs) 36 Months
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
48 Month IRA Share Certificate
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
48 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
1001 Brickell Bay Dr, Miami, FL 33131
48-Month CD
$500
3.05%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
48-month term Standard CDs
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
48 Month CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 48 Months
$0
0.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
48 Months Certificates of Deposit (CDs)
$2,000
4.25%
View
▼
Rate4.16%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA Jumbo
$100,000
3.87%
View
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
48-Month Term Certificate
$750,000
3.85%
View
▼
Rate3.78%
Min Deposit$750,000
Min Balance—
UpdatedApr 20, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
4-Year Share Certificate
$1,000
3.77%
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
48 Month IRA CD
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
48 Month CD
$100,000
3.75%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
48 Months Fixed Rate Certificates
$1,000
3.72%
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
48 Month Term Jumbo Certificate
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 48-Month
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

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

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
48 Month IRA
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 MONTH CERTIFICATE
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
View
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Minimum to open & earn dividends: $100,000

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Relationship

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 Minimum to Earn APY

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 48 month
$40,000
3.50%
View
▼
Rate3.44%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 48 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1460 days / 48 month Share Certificate
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
4-Year Share Certificate
$1,000
3.35%
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit - 100,000 48 Months
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$75,000

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
48 months Share Certificate
$0
3.30%
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 4-Year Share Certificate
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 4 Year
$100,000
3.19%
View
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 and above

Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
48 month IRA CD
$100,000
3.10%
View
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Ocala Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
48 Months (Includes IRA CD) Certificate of Deposit
$500
3.05%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo Term Share Certificates 4 Years
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
48 Months Certificate
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48-Month CD
$0
2.97%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4 years Certificate
$0
2.83%
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
48 month Certificate Account
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
48 Months Certificate of Deposit
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
IRA Certificate (Traditional, Roth or Educational) 48 Months
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Early Withdrawal Penalty: 270 Days' Dividends

Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
48 month CD & IRA CD
$1,000
2.75%
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Commerce Bank & Trust
Institution Rating:
A+5.0 ★
48 month CD
$500
2.75%
View
▼
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

A penalty may be imposed for early withdrawal.

Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
48 Month Share Certificate Accounts
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
4 Year Certificate Accounts
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48-Month IRA Certificate
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
Small Business Certificates of Deposit 48 Months
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
48 month term
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Keys Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.39%
Share Certificates & IRA Certificates 48 Months
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
4-Year Certificate of Deposit (CD)
$0
2.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
4 Year Certificate and IRA Certificates
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
25 W Flagler St, Miami, FL 33130
60-month online CD
$0
3.76%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
60 Month IRA Share Certificate
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL 33128 1706
60 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1000 NW 111th Ave, Miami, FL 33172 5800
60 Months Certificates and CD IRAs
$20,000
3.14%
View
▼
Rate3.10%
Min Deposit$20,000
Min Balance—
UpdatedApr 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL 33196
60-month term Standard CDs
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 NW 1st ST, Miami, FL 33128
60 month Share Certificates
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7500 NW 58th St, Miami, FL 33166
60-Month Certificates and IRA Certificates
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL 33122 1824
60 Months Share Certificates
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
60 Month CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Miami Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
51 SW 1st Ave Ste 604, Miami, FL 33130 1611
Share Certificates 60 Months
$200
1.51%
View
▼
Rate1.50%
Min Deposit$200
Min Balance—
UpdatedApr 20, 2026
Details

Variable rate account. Rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply. New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates.

University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
13241 SW 136th St, MIAMI, FL 33186 5822
5 Year Certificate
$500
1.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
1101 Brickell Avenue, Miami, FL 33131
Regular CD 60 Months
$0
0.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
60 Months Certificates of Deposit (CDs)
$2,000
4.25%
View
▼
Rate4.16%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details

Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Super Jumbo Max 60 Month Term
$1,000,000
4.18%
View
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 20, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 and over

Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
60 Month IRA CD
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
60 Month IRA Jumbo
$100,000
3.92%
View
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5-Year Share Certificate
$1,000
3.82%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Jumbo 60 Month Certificates
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Minimum $75,000

RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
60-Month Term Certificate
$750,000
3.80%
View
▼
Rate3.73%
Min Deposit$750,000
Min Balance—
UpdatedApr 20, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Relationship

Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
60 Month CD
$100,000
3.75%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
60 months Certificate Account
$100,000
3.71%
View
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month IRA
$500
3.70%
View
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Traditional/Roth IRA Jumbo Certificate 60-Month
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Minimum to open & earn dividends: $100,000

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 5 Years
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
60 Month Term Jumbo Certificate
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
60 Months Fixed Rate Certificates
$1,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
Jumbo Certificates 60 Months
$0
3.54%
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Keys Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.39%
Share Certificates & IRA Certificates 60 Months
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 Minimum to Earn APY

My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
60 months Share Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 60-Month
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

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

Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
JUMBO Regular & IRA Certificates 5 Year
$100,000
3.44%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
60 Months Certificate
$0
3.41%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
5-Year Share Certificate
$1,000
3.40%
View
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Petite Share Certificates 60 month
$40,000
3.40%
View
▼
Rate3.34%
Min Deposit$40,000
Min Balance—
UpdatedApr 20, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
3.5-Year Bump Rate CD
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

BROWARD HEALTHCARE
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Star/IRA Certificates 60 Month
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
60 MONTH CERTIFICATE
$0
3.39%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Coral Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Share Certificate 60 Months
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
1825 days / 60 month Share Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
60-Month Share Certificate Account
$1,000
3.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details

Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
60 Month CD
$500
3.20%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 5 years
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$100,000 and above

Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Jumbo Share Certificates 5-Year Share Certificate
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Business Share Certificates 60 Month
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Tru Certificates of Deposit - 100,000 60 Months
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details

$75,000

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Miami, Florida Institutions

Highest verified APYs available today — updated April 20, 2026

B Top 5 Bank Rates
MIAMI FIREFIGHTERS
18 Month IRA Share Certificate
A 5.0 ★ TX: 6.55%
Min: $0
4.15%
Newtek Bank
6 Month CD
A+ 5.0 ★ TX: 5.72%
Min: $0
4.10%
Total Direct Bank
3-month online CD
A 5.0 ★ TX: 6.04%
Min: $0
4.00%
Pacific National Bank
6 Month Certificate of Deposit
A+ 5.0 ★ TX: 0.22%
Min: $0
3.95%
HSBC Bank USA
New Money CDs 12 Month
A+ 5.0 ★ TX: 3.89%
Min: $1,000
3.65%
CU Top 5 Credit Union Rates
Justice Federal Credit Union
Traditional IRA and Roth IRA Certificate 36 month
A 5.0 ★ TX: 9.17%
Min: $100,000
4.00%
Jetstream Federal Credit Union
6-Month Certificates and IRA Certificates
A+ 5.0 ★ TX: 2.28%
Min: $0
3.87%
Miami Federal Credit Union
Share Jumbo Certificates 6 Months
A+ 5.0 ★ TX: 2.24%
Min: $10,000
3.80%
Dade County Federal Credit Union
6-Month CD
A+ 5.0 ★ TX: 1.67%
Min: $0
3.75%
Connect Credit Union
6 Months Certificates and CD IRAs
A+ 5.0 ★ TX: 2.61%
Min: $20,000
3.40%
Rates verified April 20, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

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.

View Full Florida CD Trends →
12-Month CD — FL Avg
2.321%
▼ 0.221 vs 7 days ago

Florida 12-month CD rates fell 0.221 points over the past 7 days to 2.321% APY.

6-Month CD — FL Avg
1.880%
▼ 0.486 vs 7 days ago

Florida 6-month CD rates fell 0.486 points over the past 7 days to 1.880% APY.

As of Apr 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

FL CD Rate Forecast — Next 12 Months

Where are Florida CD rates headed through April 2027?

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

FL 12-Month Avg APY
2.321%
6-Month Forecast
2.321%
Range: 2.12% – 2.47%
12-Month Forecast
2.071%
Range: 1.87% – 2.22%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Florida average 12-month CD APY in our database.

Spread model: The Florida 12-month CD average currently trades 2.05% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Powered by MonitorBankRates

What Your Savings Earn at FL CD Rates Today

Annual interest earnings at today’s Florida average APYs. State average used where available; national average as fallback.

CD Term FL Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.456% $72.82 $145.64 $364.10 $728.20
6-Month CD 1.880% $93.99 $187.97 $469.93 $939.85
12-Month CD 2.321% $116.06 $232.12 $580.30 $1,160.60
18-Month CD 2.573% $128.65 $257.30 $643.25 $1,286.50
24-Month CD 2.695% $134.74 $269.47 $673.68 $1,347.35
36-Month CD 2.680% $133.98 $267.96 $669.90 $1,339.80
48-Month CD 2.899% $144.97 $289.93 $724.83 $1,449.65
60-Month CD 2.731% $136.54 $273.07 $682.68 $1,365.35
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 20, 2026.

Sample CD Ladder for 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.

Build Your Ladder →
Rung Term Deposit FL Avg APY Annual Earnings
1 3-Month CD $5,000 1.456% $72.82
2 6-Month CD $5,000 1.880% $93.99
3 12-Month CD $5,000 2.321% $116.06
4 24-Month CD $5,000 2.695% $134.74
5 36-Month CD $5,000 2.680% $133.98
Total ($25,000 invested) $25,000 2.206% blended $551.59/yr

Ladder example uses equal $5,000 rungs and Florida average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

122
Institutions
in Miami, Florida
46 Banks 76 Credit Unions

About Our Miami, Florida CD Rate Database

MonitorBankRates tracks CD rates from 46 banks and 76 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 (1–5), 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: MIAMI FIREFIGHTERS offers a CD at 4.15% 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 76 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in 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 — 122 institutions here report CD rates

Consider an Alternative If…

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
$88/yr
At FL 12-mo avg 2.321% 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 2.321%, saving 10% of the local median salary ($3,807/year) and putting it in a CD would earn an additional $88 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 (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

Frequently Asked Questions about CD Rates in Miami, Florida

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:
  • MIAMI FIREFIGHTERS: 4.15% APY (18 Month IRA Share Certificate)
  • Newtek Bank: 4.10% APY (6 Month CD)
  • Total Direct Bank: 4.00% APY (3-month online CD)
  • Justice Federal Credit Union: 4.00% APY (Traditional IRA and Roth IRA Certificate 36 month)
  • Pacific National Bank: 3.95% APY (6 Month Certificate of Deposit)
  • Jetstream Federal Credit Union: 3.87% APY (6-Month Certificates and IRA Certificates)
  • Miami Federal Credit Union: 3.80% APY (Share Jumbo Certificates 6 Months)
  • Dade County Federal Credit Union: 3.75% APY (6-Month CD)
  • HSBC Bank USA: 3.65% APY (New Money CDs 12 Month)
  • United Community Bank: 3.65% APY (6-month CD)
Rates reflect recent verified offers available in Miami, Florida. Last Updated: April 20, 2026

CD Calculators for Miami, Florida

Miami, Florida CD Calculator

At today’s FL top rate of 4.15% APY, a $10,000 deposit earns $415 in the first year. Enter your amount to see your exact return.

Miami, Florida CD Ladder

FL CD rates currently range from 1.456% (3-month) to 2.680% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Miami, Florida CD at 4.15% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.

CD vs. High-Yield Savings

Florida’s average 12-month CD is 2.321% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for 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 pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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: April 20, 2026

Miami, Florida Rates & Resources

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