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CD Rate Trends

Orlando, Florida Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| 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: October 14, 2026

Orlando, Florida CD rates range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 14, 2026. Current Orlando, Florida CD rates include Platinum Federal Credit UnionPlatinum Federal Credit Union7041 Grand National Dr Ste 201, Orlando, FL 32819A+5.0 ★Texas Ratio: 1.89%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Family Legacy Certificate Account at 5.00% APY, City National Bank of FloridaCity National Bank of Florida390 N Orange Ave, Orlando, FL 32801A5.0 ★Texas Ratio: 7.12%Real return: +1.70%APY minus CPI (February 2026) offering 24-month online CD at 4.50% APY, Suncoast Credit UnionSuncoast Credit Union4530 S Semoran Blvd, Orlando, FL 32822 2408A5.0 ★Texas Ratio: 6.26%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month Jumbo Certificate at 4.50% APY, Navy Federal Credit UnionNavy Federal Credit Union11890 E Colonial Dr, Orlando, FL 32826 4701A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, and McCoy Federal Credit UnionMcCoy Federal Credit Union1900 McCoy Rd, Orlando, FL 32809A+5.0 ★Texas Ratio: 3.49%Real return: +1.48%APY minus CPI (February 2026) offering 24 Month Share Certificate at 4.28% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Orlando has 375 local institutions in our database, with CD rates as high as 5.00% APY from Platinum Federal Credit Union at 7041 Grand National Dr Ste 201, Orlando, FL 32819. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Florida area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026

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

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Orlando 3 Month CD Rates

Florida 3 Month CD Average2.08% APYNational 2.09%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
390 N Orange Ave, Orlando, FL 32801
3-month online CD
$25,000
4.00% ▲ 1.92% above Florida avg
View
▼
Rate3.92%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.92% above avgNationally 2.09%
Details

Available for current 3-Month CD clients only; Online Only; Interest Rate: 3.92%; Maximum $1,000,000 per client

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
3 Month CD
$0
3.75% ▲ 1.67% above Florida avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details

Effective Date: September 21, 2026

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
3 Month IRA CD
$500
3.75% ▲ 1.67% above Florida avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.67% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYSep 22, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
450 S Orange Ave, Orlando, FL 32801
3-Month Certificate of Deposit
$500
3.55% ▲ 1.47% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.47% above avgNationally 2.09%
Details

Balance: $500 or more; Account matures in 3 months; Fund with as much as $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
715 S Goldwyn Ave, Orlando, FL 32805
3 Month Small Business Certificates of Deposit
$500
3.35% ▲ 1.27% above Florida avg
View
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.27% above avgNationally 2.09%
Details

Substantial penalty for early withdrawal; APY as of 7/6/26

Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 19, 2026: 3.35% APYSep 19, 2026Oct 14, 2026
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
65 N Orange Ave, Orlando, FL 32801
3-Month CD (Certificate of Deposit)
$1,000
3.25% ▲ 1.17% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details

Special APY applicable to initial term only; offer not available to funds currently on deposit at Seacoast Bank; APY accurate as of October 3, 2026; early withdrawal may be subject to penalty

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
3 Month Certificate
$1,000
3.25% ▲ 1.17% above Florida avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
3 Month IRA Certificate
$1,000
3.25% ▲ 1.17% above Florida avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.08%▲ 1.17% above avgNationally 2.09%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
3 Month Emergency Fund Certificate
$100
3.00% ▲ 0.92% above Florida avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 0.92% above avgNationally 2.09%
Details

Certificate for Emergency Savings; Minimum to open & earn dividends: $100; Maximum Certificate balance: $10,000; Limit one Emergency Fund Certificate per Member

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.25% APYSep 21, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
  • Sep 21, 20263.00%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
3 Month Millionaire Certificate
$1,000,000
2.55% ▲ 0.47% above Florida avg
View
▼
RateN/A
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 0.47% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 8 times
2.05%2.55%3.05%Sep 14, 2026: 2.55% APYSep 14, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
3 Month Jumbo Certificate
$100,000
2.45% ▲ 0.37% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 0.37% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 8 times
1.95%2.45%2.95%Sep 14, 2026: 2.45% APYSep 14, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
3 Month Regular Certificate
$1,000
2.45% ▲ 0.37% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 0.37% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 8 times
1.95%2.45%2.95%Sep 14, 2026: 2.45% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2500 S Kirkman Rd, Orlando, FL 32811
Certificate of Deposit 3 Month
$500
2.00% ▼ 0.08% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 0.08% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55% ▼ 0.53% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 0.53% below avgNationally 2.09%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 14, 2026: 1.55% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50% ▼ 0.58% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 0.58% below avgNationally 2.09%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 14, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
11411 Lake Underhill Rd, Orlando, FL 32825
Regular Certificates - 3 Month
$1,000
1.25% ▼ 0.83% below Florida avg
View
▼
Rate1.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 0.83% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
3-Month CD
$1,000
1.16% ▼ 0.92% below Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 0.92% below avgNationally 2.09%
Details

Certificates of Deposit (CD); Visa Signature Card Holders receive a 0.25% rate bump on a FAIRWINDS Certificate of Deposit. Must request rate bonus at the time of CD opening or CD renewal.

Rate History
1 change since Sep 14, 2026 · 1.14% → 1.16% ▲ 0.02 pts · high 1.16% / low 1.14%
0.64%1.15%1.66%Sep 14, 2026: 1.14% APYOct 10, 2026: 1.16% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20261.16%▲ from 1.14%
  • Sep 14, 20261.14%first recorded
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
IRA 3-month CD
$0
1.16% ▼ 0.92% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 0.92% below avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 1.14% → 1.16% ▲ 0.02 pts · high 1.16% / low 1.14%
0.64%1.15%1.66%Sep 18, 2026: 1.14% APYOct 10, 2026: 1.16% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20261.16%▲ from 1.14%
  • Sep 18, 20261.14%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2405 S Orange Ave, Orlando, FL 32806
3 Month CD
$0
1.00% ▼ 1.08% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 1.08% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2405 S Orange Ave, Orlando, FL 32806
3 Month TD Choice CD
$0
1.00% ▼ 1.08% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 1.08% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 2, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 2, 2026: 1.00% APYOct 2, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
3 Month Jumbo Certificate
$100,000
0.75% ▼ 1.33% below Florida avg
View
▼
Rate0.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▼ 1.33% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
3 Month Mini-Jumbo Certificate
$50,000
0.75% ▼ 1.33% below Florida avg
View
▼
Rate0.75%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▼ 1.33% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
3 Month Standard Certificate
$1,000
0.75% ▼ 1.33% below Florida avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▼ 1.33% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
3 Month Traditional/Roth IRA Jumbo Certificate
$100,000
0.75% ▼ 1.33% below Florida avg
View
▼
Rate0.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▼ 1.33% below avgNationally 2.09%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 5, 2026: 0.75% APYOct 5, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
3 Month Traditional/Roth IRA Mini-Jumbo Certificate
$50,000
0.75% ▼ 1.33% below Florida avg
View
▼
Rate0.75%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▼ 1.33% below avgNationally 2.09%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 5, 2026: 0.75% APYOct 5, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3900 Silver Star Rd, Orlando, FL 32808
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.02% below Florida avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 2.02% below avgNationally 2.09%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3900 Silver Star Rd, Orlando, FL 32808
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.03% below Florida avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 2.03% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
3 Month Certificate of Deposit
$0
0.03% ▼ 2.05% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 2.05% below avgNationally 2.09%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
3 Month Certificate of Deposit
$0
0.02% ▼ 2.06% below Florida avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 2.06% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
3 Month Certificate of Deposit
$0
0.01% ▼ 2.07% below Florida avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▼ 2.07% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month CD
$0
4.30% ▲ 2.22% above Florida avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 2.22% above avgNationally 2.09%
Details

Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 24, 2026: 3.95% APYOct 1, 2026: 4.15% APYOct 14, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.30%▲ from 4.15%
  • Oct 1, 20264.15%▲ from 3.95%
  • Sep 24, 20263.95%first recorded
Banesco USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 month CD
$1,000
3.85% ▲ 1.77% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Florida Average2.08%▲ 1.77% above avgNationally 2.09%
Details

Special CD Rates for Continental U.S.

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

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

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

Balance: $1,000 to $24,999

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

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

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

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

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
3 Month IRA Jumbo
$100,000
3.71% ▲ 1.63% above Florida avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.63% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 8 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 3 Month Jumbo
$100,000
3.71% ▲ 1.63% above Florida avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.63% above avgNationally 2.09%
Details

Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

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

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 3 Month
$1,000
3.66% ▲ 1.58% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.58% above avgNationally 2.09%
Details

Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CDs
$0
3.60% ▲ 1.52% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.52% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD - VIP Bonus
$500
3.55% ▲ 1.47% above Florida avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.47% above avgNationally 2.09%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

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

Business CD; Maximum deposit $250,000; Open online

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
3 Month Business Share Certificate
$0
3.45% ▲ 1.37% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.37% above avgNationally 2.09%
Details

Existing certificates only - no new accounts offered

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - 3 Month
$0
3.45% ▲ 1.37% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.37% above avgNationally 2.09%
Details

Existing certificates only - no new accounts offered; Dividends compounded monthly

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

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

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Jumbo Term Share Certificates
$0
3.40% ▲ 1.32% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.32% above avgNationally 2.09%
Details

Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Term Share Certificates
$0
3.40% ▲ 1.32% above Florida avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.08%▲ 1.32% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35% ▲ 1.27% above Florida avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.27% above avgNationally 2.09%
Details

Early withdrawal penalty: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
2.76%3.30%3.85%Sep 14, 2026: 3.26% APYSep 18, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.35%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD
$500
3.30% ▲ 1.22% above Florida avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.08%▲ 1.22% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026

Orlando 6 Month CD Rates

Florida 6 Month CD Average3.06% APYNational 2.77%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
390 N Orange Ave, Orlando, FL 32801
6-month online CD
$25,000
4.25% ▲ 1.19% above Florida avg
View
▼
Rate4.16%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.19% above avgNationally 2.77%
Details

Online Only; Interest Rate: 4.16%; Maximum $1,000,000 per client

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
2838 Curry Ford Rd, Orlando, FL 32806
6 Month CD
$500
4.15% ▲ 1.09% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.09% above avgNationally 2.77%
Details

CD Rates; $500 minimum opening deposit and minimum balance to earn APY

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
2838 Curry Ford Rd, Orlando, FL 32806
6 Months CD
$0
4.15% ▲ 1.09% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 1.09% above avgNationally 2.77%
Details

Certificates of Deposit Specials

Rate History
1 change since Sep 24, 2026 · 3.40% → 4.15% ▲ 0.75 pts · high 4.15% / low 3.40%
2.65%3.78%4.90%Sep 24, 2026: 3.40% APYOct 14, 2026: 4.15% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.15%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
601 E Rollins St, Orlando, FL 32803
6 Month Certificate of Deposit
$0
3.95% ▲ 0.89% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.77%
Details

Standard tier; Min $500

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
6 Month Jumbo Certificate
$0
3.95% ▲ 0.89% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.89% above avgNationally 2.77%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
6 Month CD
$0
3.85% ▲ 0.79% above Florida avg
View
▼
Rate3.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.79% above avgNationally 2.77%
Details

Effective Date: September 21, 2026

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYOct 5, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
6 Month IRA CD
$500
3.85% ▲ 0.79% above Florida avg
View
▼
Rate3.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.79% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYSep 22, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
2495 S Orange Ave, Orlando, FL 32806
6-Month CD
$1,000
3.75% ▲ 0.69% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.69% above avgNationally 2.77%
Details

Promotional Rates; Rates available only for accounts opened in a BankUnited branch; Advertised rate is fixed for the initial term of the CD; CD minimum opening deposit of $1,000 required

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
6 Month Share Certificate
$0
3.70% ▲ 0.64% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.64% above avgNationally 2.77%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
6 Month Youth Certificate
$0
3.70% ▲ 0.64% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.64% above avgNationally 2.77%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
6 Month Business Share Certificate/CD
$1,000
3.65% ▲ 0.59% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.59% above avgNationally 2.77%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 29, 2026: 3.65% APYSep 29, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
6 Month Regular and IRA Certificate of Deposit
$1,000
3.65% ▲ 0.59% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.59% above avgNationally 2.77%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Business Share Certificate - 6 months
$0
3.65% ▲ 0.59% above Florida avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.59% above avgNationally 2.77%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 17, 2026: 3.65% APYSep 17, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Regular and IRA Certificate of Deposit - 6 months
$0
3.65% ▲ 0.59% above Florida avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.59% above avgNationally 2.77%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 14, 2026
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
6-Month CD
$1,000
3.65% ▲ 0.59% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.59% above avgNationally 2.77%
Details

Certificates of Deposit (CD); Visa Signature Card Holders receive a 0.25% rate bump on a FAIRWINDS Certificate of Deposit. Must request rate bonus at the time of CD opening or CD renewal.

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
IRA 6-month CD
$0
3.65% ▲ 0.59% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.59% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold) 6 Month Certificate
$0
3.55% ▲ 0.49% above Florida avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.49% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
6 Month Jumbo IRA Term Share Certificates
$100,000
3.51% ▲ 0.45% above Florida avg
View
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.45% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
6 Month Jumbo Term Share Certificate
$100,000
3.51% ▲ 0.45% above Florida avg
View
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.45% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
Jumbo Term Share Certificates - 6-Month Jumbo
$100,000
3.51% ▲ 0.45% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.45% above avgNationally 2.77%
Details

Rates effective as of 8/14/2026; Penalty: terms of 6 months or less lose 90 days' worth of dividends

Rate History
No change since Oct 14, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
450 S Orange Ave, Orlando, FL 32801
6-Month Certificate of Deposit
$500
3.50% ▲ 0.44% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

Earn 3.50% APY on balances of $500 or more; Account matures in 6 months; Fund up to $500,000 online and $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
450 S Orange Ave, Orlando, FL 32801
6-Month Fixed Rate CD
$0
3.50% ▲ 0.44% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

Featured on Grow your savings your way section

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
715 S Goldwyn Ave, Orlando, FL 32805
6 Month Small Business Certificates of Deposit
$500
3.50% ▲ 0.44% above Florida avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

Substantial penalty for early withdrawal; APY as of 7/6/26

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
6 Month Jumbo Certificate
$100,000
3.50% ▲ 0.44% above Florida avg
View
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
6 Month Mini-Jumbo Certificate
$50,000
3.50% ▲ 0.44% above Florida avg
View
▼
Rate3.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
6 Month Standard Certificate
$1,000
3.50% ▲ 0.44% above Florida avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
6 Month Traditional/Roth IRA Mini-Jumbo Certificate
$50,000
3.50% ▲ 0.44% above Florida avg
View
▼
Rate3.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
6-Month Certificate
$0
3.50% ▲ 0.44% above Florida avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

High Yield Certificates; Minimum balance of $1,000 to earn 3.50% APY, maintained for the full term

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
6 Month Certificate
$0
3.50% ▲ 0.44% above Florida avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.50%▼ from 3.55%
  • Sep 14, 20263.55%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Business 6 Month Certificate
$0
3.50% ▲ 0.44% above Florida avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.44% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
6 Month IRA Term Share Certificates
$1,000
3.46% ▲ 0.40% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.40% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 18, 2026: 3.46% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
6 Month Term Share Certificate
$1,000
3.46% ▲ 0.40% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.40% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.46% APY · checked 6 times
2.96%3.46%3.96%Sep 18, 2026: 3.46% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
Term Share Certificates - 6-Month Term
$1,000
3.46% ▲ 0.40% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.40% above avgNationally 2.77%
Details

Rates effective as of 8/14/2026; Penalty: terms of 6 months or less lose 90 days' worth of dividends

Rate History
No change since Oct 14, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 14, 2026: 3.46% APYOct 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
6 Month Certificate
$1,000
3.45% ▲ 0.39% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.39% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
6 Month IRA Certificate
$1,000
3.45% ▲ 0.39% above Florida avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.06%▲ 0.39% above avgNationally 2.77%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
6 Month Certificates - Millionaire Certificate
$1,000,000
3.40% ▲ 0.34% above Florida avg
View
▼
RateN/A
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.34% above avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
6 Month Certificates - Jumbo Certificate
$100,000
3.30% ▲ 0.24% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.24% above avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
6 Month Certificates - Regular Certificate
$1,000
3.30% ▲ 0.24% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.24% above avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
6 Month Traditional/Roth IRA Jumbo Certificate
$100,000
3.25% ▲ 0.19% above Florida avg
View
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.06%▲ 0.19% above avgNationally 2.77%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 5, 2026: 3.25% APYOct 5, 2026Oct 14, 2026
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5403 International Dr, Orlando, FL 32819
6 Month CD
$0
3.15% ▲ 0.09% above Florida avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▲ 0.09% above avgNationally 2.77%
Details

Balance: $100,000.00 and over; Term not available for CD IRA

Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Oct 7, 2026: 3.15% APYOct 7, 2026Oct 14, 2026
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5403 International Dr, Orlando, FL 32819
6 Month CD
$0
3.00% ▼ 0.06% below Florida avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▼ 0.06% below avgNationally 2.77%
Details

Balance: under $100,000; Term not available for CD IRA

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2500 S Kirkman Rd, Orlando, FL 32811
Certificate of Deposit 6 Month
$500
2.25% ▼ 0.81% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▼ 0.81% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2500 S Kirkman Rd, Orlando, FL 32811
IRA 6 Month
$500
2.25% ▼ 0.81% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▼ 0.81% below avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 14, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
11411 Lake Underhill Rd, Orlando, FL 32825
Regular Certificates - 6 Month
$1,000
1.50% ▼ 1.56% below Florida avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▼ 1.56% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2405 S Orange Ave, Orlando, FL 32806
TD Choice CD 6 Month
$0
1.00% ▼ 2.06% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▼ 2.06% below avgNationally 2.77%
Details

Non-Promotional TD Choice CD; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3900 Silver Star Rd, Orlando, FL 32808
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 3.00% below Florida avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▼ 3.00% below avgNationally 2.77%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3900 Silver Star Rd, Orlando, FL 32808
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 3.01% below Florida avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▼ 3.01% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
6 Month Certificate of Deposit
$0
0.03% ▼ 3.03% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▼ 3.03% below avgNationally 2.77%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
IRA CD - 6 Months
$250
0.03% ▼ 3.03% below Florida avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▼ 3.03% below avgNationally 2.77%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
6 Month Certificate of Deposit
$0
0.02% ▼ 3.04% below Florida avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.06%▼ 3.04% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026

Orlando 12 Month CD Rates

Florida 12 Month CD Average3.22% APYNational 2.99%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
12 Month Family Legacy Certificate Account
$0
5.00% ▲ 1.78% above Florida avg
View
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.78% above avgNationally 2.99%
Details

Eligibility: must be opened within two years of the date of death; eligibility subject to verification; 12-month fixed term from account opening; one renewal at rate in effect at maturity, rate not guaranteed to match original

Rate History
1 change since Sep 14, 2026 · 4.91% → 5.00% ▲ 0.09 pts · high 5.00% / low 4.91%
4.41%4.96%5.50%Sep 14, 2026: 4.91% APYSep 17, 2026: 5.00% APYSep 14, 2026Oct 14, 2026
  • Sep 17, 20265.00%▲ from 4.91%
  • Sep 14, 20264.91%first recorded
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
390 N Orange Ave, Orlando, FL 32801
12-month online CD
$25,000
4.45% ▲ 1.23% above Florida avg
View
▼
Rate4.35%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.23% above avgNationally 2.99%
Details

Online Only; Interest Rate: 4.35%; Maximum $1,000,000 per client

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.45% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.45%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.13% above Florida avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 1.13% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
12 Month CD
$0
4.25% ▲ 1.03% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details

Effective Date: September 21, 2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 18, 2026: 3.85% APYOct 5, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20264.25%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
12 Month IRA CD
$500
4.25% ▲ 1.03% above Florida avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 1.03% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10% ▲ 0.88% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.88% above avgNationally 2.99%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05% ▲ 0.83% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.83% above avgNationally 2.99%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.78% above Florida avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
12 Month Jumbo Certificate
$100,000
4.00% ▲ 0.78% above Florida avg
View
▼
Rate3.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
12 Month Mini-Jumbo Certificate
$50,000
4.00% ▲ 0.78% above Florida avg
View
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
12 Month Standard Certificate
$1,000
4.00% ▲ 0.78% above Florida avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
12 Month Starter Certificate
$500
4.00% ▲ 0.78% above Florida avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Maximum Certificate balance: $2,500

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
12 Month Traditional/Roth IRA Jumbo Certificate
$100,000
4.00% ▲ 0.78% above Florida avg
View
▼
Rate3.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
12 Month Traditional/Roth IRA Mini-Jumbo Certificate
$50,000
4.00% ▲ 0.78% above Florida avg
View
▼
Rate3.92%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
IRA - 1 Year
$0
4.00% ▲ 0.78% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

$100k; Balance: $100k; rate comparison tool

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
601 E Rollins St, Orlando, FL 32803
12 Month Certificate of Deposit
$0
4.00% ▲ 0.78% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.78% above avgNationally 2.99%
Details

Standard tier; Min $500

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
2495 S Orange Ave, Orlando, FL 32806
12-Month CD
$1,000
3.95% ▲ 0.73% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.73% above avgNationally 2.99%
Details

Rates available only for accounts opened in a BankUnited branch; Advertised rate is fixed for the initial term of the CD; CD minimum opening deposit of $1,000 required

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
12 Month Jumbo Certificate
$0
3.95% ▲ 0.73% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.73% above avgNationally 2.99%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
12 Month IRA Term Share Certificates
$500
3.88% ▲ 0.66% above Florida avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.66% above avgNationally 2.99%
Details

Minimum: $500 (min and max deposit); Minimum and maximum deposit $500

Rate History
No change since Sep 18, 2026 · 3.88% APY · checked 5 times
3.38%3.88%4.38%Sep 18, 2026: 3.88% APYSep 18, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
12 Month Certificates - Millionaire Certificate
$1,000,000
3.80% ▲ 0.58% above Florida avg
View
▼
RateN/A
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.58% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
12 Month Term Share Certificate
$500
3.80% ▲ 0.58% above Florida avg
View
▼
Rate3.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.58% above avgNationally 2.99%
Details

Minimum and maximum deposit of $500

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1900 McCoy Rd, Orlando, FL 32809
12 Month Share Certificate
$0
3.76% ▲ 0.54% above Florida avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.22%▲ 0.54% above avgNationally 2.99%
Details

Balance: $1,000 - $4,999

Rate History
No change since Sep 17, 2026 · 3.76% APY · checked 7 times
3.26%3.76%4.26%Sep 17, 2026: 3.76% APYSep 17, 2026Oct 14, 2026
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
65 N Orange Ave, Orlando, FL 32801
12-Month CD (Certificate of Deposit)
$1,000
3.75% ▲ 0.53% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Special APY applicable to initial term only; offer not available to funds currently on deposit at Seacoast Bank; APY accurate as of October 3, 2026; early withdrawal may be subject to penalty

Rate History
1 change since Sep 24, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 24, 2026: 3.55% APYOct 14, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20263.75%▲ from 3.55%
  • Sep 24, 20263.55%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
12 Month Business Share Certificate/CD
$1,000
3.75% ▲ 0.53% above Florida avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
12 Month Regular and IRA Certificate of Deposit
$1,000
3.75% ▲ 0.53% above Florida avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Business Share Certificate - 12 months
$0
3.75% ▲ 0.53% above Florida avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 17, 2026: 3.75% APYSep 17, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Regular and IRA Certificate of Deposit - 12 months
$0
3.75% ▲ 0.53% above Florida avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.53% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
12 Month Jumbo IRA Term Share Certificates
$100,000
3.71% ▲ 0.49% above Florida avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
12 Month Jumbo Term Share Certificate
$100,000
3.71% ▲ 0.49% above Florida avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
Jumbo Term Share Certificates - 12-Month Jumbo
$100,000
3.71% ▲ 0.49% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.49% above avgNationally 2.99%
Details

Rates effective as of 8/14/2026; Penalty: terms greater than 6 months lose 180 days' worth of dividends

Rate History
No change since Oct 14, 2026 · 3.71% APY
3.21%3.71%4.21%Oct 14, 2026: 3.71% APYOct 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
12 Month Certificate
$1,000
3.70% ▲ 0.48% above Florida avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.22%▲ 0.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
12 Month IRA Certificate
$1,000
3.70% ▲ 0.48% above Florida avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.22%▲ 0.48% above avgNationally 2.99%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
12 Month Certificates - Jumbo Certificate
$100,000
3.70% ▲ 0.48% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.48% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
12 Month Certificates - Regular Certificate
$1,000
3.70% ▲ 0.48% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.48% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
12 Month Share Certificate
$0
3.70% ▲ 0.48% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.48% above avgNationally 2.99%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
12 Month Smart Start Certificate
$0
3.70% ▲ 0.48% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.48% above avgNationally 2.99%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
12 Month Youth Certificate
$0
3.70% ▲ 0.48% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.48% above avgNationally 2.99%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
12 Month IRA Term Share Certificates
$1,000
3.67% ▲ 0.45% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.67% APY · checked 5 times
3.17%3.67%4.17%Sep 18, 2026: 3.67% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
12 Month Term Share Certificate
$1,000
3.67% ▲ 0.45% above Florida avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.67% APY · checked 6 times
3.17%3.67%4.17%Sep 18, 2026: 3.67% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
Term Share Certificates - 12-Month Term
$1,000
3.67% ▲ 0.45% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.45% above avgNationally 2.99%
Details

Rates effective as of 8/14/2026; Penalty: terms greater than 6 months lose 180 days' worth of dividends

Rate History
No change since Oct 14, 2026 · 3.67% APY
3.17%3.67%4.17%Oct 14, 2026: 3.67% APYOct 14, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold) 12 Month Certificate
$0
3.60% ▲ 0.38% above Florida avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.38% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
12 Month Certificate
$0
3.55% ▲ 0.33% above Florida avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.33% above avgNationally 2.99%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.55% ▼ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.55%▼ from 3.60%
  • Sep 14, 20263.60%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Business 12 Month Certificate
$0
3.55% ▲ 0.33% above Florida avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.33% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
450 S Orange Ave, Orlando, FL 32801
12-Month Fixed Rate CD
$0
3.50% ▲ 0.28% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.28% above avgNationally 2.99%
Details

Featured on Grow your savings your way section

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
2838 Curry Ford Rd, Orlando, FL 32806
12 Months CD
$0
3.50% ▲ 0.28% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.28% above avgNationally 2.99%
Details

Certificates of Deposit Specials

Rate History
2 changes since Sep 19, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 19, 2026: 3.45% APYSep 24, 2026: 3.95% APYOct 14, 2026: 3.50% APYSep 19, 2026Oct 14, 2026
  • Oct 14, 20263.50%▼ from 3.95%
  • Sep 24, 20263.95%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
715 S Goldwyn Ave, Orlando, FL 32805
12 Month Small Business Certificates of Deposit
$500
3.50% ▲ 0.28% above Florida avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.28% above avgNationally 2.99%
Details

Substantial penalty for early withdrawal; APY as of 7/6/26

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 14, 2026
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
12-Month CD
$1,000
3.39% ▲ 0.17% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.17% above avgNationally 2.99%
Details

Certificates of Deposit (CD); Visa Signature Card Holders receive a 0.25% rate bump on a FAIRWINDS Certificate of Deposit. Must request rate bonus at the time of CD opening or CD renewal.

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.39% ▲ 0.15 pts · high 3.39% / low 3.24%
2.74%3.32%3.89%Sep 14, 2026: 3.24% APYOct 10, 2026: 3.39% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.39%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
IRA 12-month CD
$0
3.39% ▲ 0.17% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.22%▲ 0.17% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.24% → 3.39% ▲ 0.15 pts · high 3.39% / low 3.24%
2.74%3.32%3.89%Sep 18, 2026: 3.24% APYOct 10, 2026: 3.39% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.39%▲ from 3.24%
  • Sep 18, 20263.24%first recorded
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1000 Legion Pl, Orlando, FL 32801
Business Promotional Rate: 1-Year
$0
3.35% ▲ 0.13% above Florida avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.22%▲ 0.13% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
301 E Michigan St, Orlando, FL 32806 4539
12 Month CD
$500
3.35% ▲ 0.13% above Florida avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.22%▲ 0.13% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.35% / low 3.35%
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 22, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.35%▼ from 3.35%
  • Sep 14, 20263.35%first recorded

Orlando 18 Month CD Rates

Florida 18 Month CD Average3.27% APYNational 2.88%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
18 Month Jumbo Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
18 Month Share Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
18 Month Youth Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
18 Month CD
$0
4.25% ▲ 0.98% above Florida avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Effective Date: September 21, 2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 18, 2026: 3.85% APYOct 5, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20264.25%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
18 Month IRA CD
$500
4.25% ▲ 0.98% above Florida avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 22, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1900 McCoy Rd, Orlando, FL 32809
18 Month Share Certificate
$0
4.23% ▲ 0.96% above Florida avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.27%▲ 0.96% above avgNationally 2.88%
Details

Balance: $1,000 - $100,000 +

Rate History
No change since Sep 25, 2026 · 4.23% APY · checked 4 times
3.73%4.23%4.73%Sep 25, 2026: 4.23% APYSep 25, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 0.88% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.88% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 0.83% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.83% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.43% above Florida avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.43% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
18 Month Certificate
$1,000
3.65% ▲ 0.38% above Florida avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
18 Month IRA Certificate
$1,000
3.65% ▲ 0.38% above Florida avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.27%▲ 0.38% above avgNationally 2.88%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
2838 Curry Ford Rd, Orlando, FL 32806
18 Months CD
$0
3.50% ▲ 0.23% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.23% above avgNationally 2.88%
Details

Certificates of Deposit Specials

Rate History
2 changes since Sep 19, 2026 · 3.60% → 3.50% ▼ 0.10 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYOct 14, 2026: 3.50% APYSep 19, 2026Oct 14, 2026
  • Oct 14, 20263.50%▼ from 4.00%
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
715 S Goldwyn Ave, Orlando, FL 32805
18 Month Small Business Certificates of Deposit
$500
3.35% ▲ 0.08% above Florida avg
View
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.08% above avgNationally 2.88%
Details

Substantial penalty for early withdrawal; APY as of 7/6/26

Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 19, 2026: 3.35% APYSep 19, 2026Oct 14, 2026
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
301 E Michigan St, Orlando, FL 32806 4539
18 Month CD
$500
3.35% ▲ 0.08% above Florida avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.08% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.35% / low 3.35%
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 22, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.35%▼ from 3.35%
  • Sep 14, 20263.35%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold) 18 Month Certificate
$0
3.30% ▲ 0.03% above Florida avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▲ 0.03% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
18 Month Certificate
$0
3.25% ▼ 0.02% below Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▼ 0.02% below avgNationally 2.88%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Business 18 Month Certificate
$0
3.25% ▼ 0.02% below Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.27%▼ 0.02% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
18 Month Jumbo IRA Term Share Certificates
$100,000
3.09% ▼ 0.18% below Florida avg
View
▼
Rate3.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 0.18% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 5 times
2.59%3.09%3.59%Sep 18, 2026: 3.09% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
18 Month Jumbo Term Share Certificate
$100,000
3.09% ▼ 0.18% below Florida avg
View
▼
Rate3.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 0.18% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 6 times
2.59%3.09%3.59%Sep 18, 2026: 3.09% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
Jumbo Term Share Certificates - 18-Month Jumbo
$100,000
3.09% ▼ 0.18% below Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 0.18% below avgNationally 2.88%
Details

Rates effective as of 8/14/2026; Penalty: terms greater than 6 months lose 180 days' worth of dividends

Rate History
No change since Oct 14, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 14, 2026: 3.09% APYOct 14, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
18 Month IRA Term Share Certificates
$1,000
3.05% ▼ 0.22% below Florida avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
18 Month Term Share Certificate
$1,000
3.05% ▼ 0.22% below Florida avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
11411 Lake Underhill Rd, Orlando, FL 32825
Regular Certificates - 18 Month
$1,000
2.00% ▼ 1.27% below Florida avg
View
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 1.27% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2405 S Orange Ave, Orlando, FL 32806
Non-Promotional TD Choice CD - 18 Month
$0
1.00% ▼ 2.27% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 2.27% below avgNationally 2.88%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 14, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2405 S Orange Ave, Orlando, FL 32806
TD Choice CD 18 Month
$250
1.00% ▼ 2.27% below Florida avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 2.27% below avgNationally 2.88%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1000 Legion Pl, Orlando, FL 32801
Business 18-Month
$0
0.35% ▼ 2.92% below Florida avg
View
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.27%▼ 2.92% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
18 Month Certificate of Deposit
$0
0.03% ▼ 3.24% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 3.24% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
IRA CD - 18 Months
$250
0.03% ▼ 3.24% below Florida avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 3.24% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
18 Month Certificate of Deposit
$0
0.02% ▼ 3.25% below Florida avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 3.25% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
IRA CD - 18 Months
$250
0.02% ▼ 3.25% below Florida avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 3.25% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
18 Month Certificate of Deposit
$0
0.01% ▼ 3.26% below Florida avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 3.26% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
IRA CD - 18 Months
$250
0.01% ▼ 3.26% below Florida avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▼ 3.26% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
18 Month Certificate of Deposit
$1,000
4.85% ▲ 1.58% above Florida avg
View
▼
Rate4.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.58% above avgNationally 2.88%
Details

Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; Rates effective October 9, 2026

Rate History
3 changes since Sep 18, 2026 · 4.55% → 4.85% ▲ 0.30 pts · high 4.90% / low 4.55%
4.05%4.73%5.40%Sep 18, 2026: 4.55% APYSep 27, 2026: 4.65% APYOct 7, 2026: 4.90% APYOct 14, 2026: 4.85% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.85%▼ from 4.90%
  • Oct 7, 20264.90%▲ from 4.65%
  • Sep 27, 20264.65%▲ from 4.55%
  • Sep 18, 20264.55%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month CD
$0
4.65% ▲ 1.38% above Florida avg
View
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.38% above avgNationally 2.88%
Details

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

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

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

Balance: $100,000+; Jumbo

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 14, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
18 Month Business Share Certificate
$0
4.50% ▲ 1.23% above Florida avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
Launch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - 18 Month
$0
4.50% ▲ 1.23% above Florida avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.23% above avgNationally 2.88%
Details

Dividends compounded monthly

Rate History
1 change since Sep 14, 2026 · 4.59% → 4.50% ▼ 0.09 pts · high 4.59% / low 4.50%
4.00%4.55%5.09%Sep 14, 2026: 4.59% APYOct 14, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.50%▼ from 4.59%
  • Sep 14, 20264.59%first recorded
United Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
CD Specials - 18 Month
$1,000
4.35% ▲ 1.08% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.08% above avgNationally 2.88%
Details

Interest rate established the date of deposit and calculated by the daily balance method

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

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

Or, 4.35% APY* with $100 min.

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

Regular

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

Balance: $100,000+; Jumbo

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

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 8 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 18 Month Jumbo
$100,000
4.28% ▲ 1.01% above Florida avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 1.01% above avgNationally 2.88%
Details

Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Oct 14, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 14, 2026: 4.28% APYOct 14, 2026Oct 14, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month Relationship CD
$2,500
4.25% ▲ 0.98% above Florida avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Minimum $2500 to open; Relationship is defined as Direct Deposit Checking

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25% ▲ 0.98% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
MIAMI FIREFIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Share Certificates - 18 Months
$0
4.25% ▲ 0.98% above Florida avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.98% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 6, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Month IRA
$1,000
4.23% ▲ 0.96% above Florida avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.96% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 18 Month
$1,000
4.23% ▲ 0.96% above Florida avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.27%▲ 0.96% above avgNationally 2.88%
Details

Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 8 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 14, 2026

Orlando 24 Month CD Rates

Florida 24 Month CD Average3.16% APYNational 2.88%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
390 N Orange Ave, Orlando, FL 32801
24-month online CD
$25,000
4.50% ▲ 1.34% above Florida avg
View
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 1.34% above avgNationally 2.88%
Details

Online Only; Interest Rate: 4.40%; Maximum $1,000,000 per client

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.50%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1900 McCoy Rd, Orlando, FL 32809
24 Month Share Certificate
$0
4.28% ▲ 1.12% above Florida avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.16%▲ 1.12% above avgNationally 2.88%
Details

Balance: $1,000 - $4,999

Rate History
1 change since Sep 17, 2026 · 3.56% → 4.28% ▲ 0.73 pts · high 4.28% / low 3.56%
2.83%3.92%5.01%Sep 17, 2026: 3.56% APYSep 25, 2026: 4.28% APYSep 17, 2026Oct 14, 2026
  • Sep 25, 20264.28%▲ from 3.56%
  • Sep 17, 20263.56%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
24 Month Business Share Certificate/CD
$1,000
4.00% ▲ 0.84% above Florida avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
24 Month Regular and IRA Certificate of Deposit
$1,000
4.00% ▲ 0.84% above Florida avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Business Share Certificate - 24 months
$0
4.00% ▲ 0.84% above Florida avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Regular and IRA Certificate of Deposit - 24 months
$0
4.00% ▲ 0.84% above Florida avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
601 E Rollins St, Orlando, FL 32803
24 Month Certificate of Deposit
$0
4.00% ▲ 0.84% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details

Standard tier; Min $500

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
24 Month Jumbo Certificate
$0
4.00% ▲ 0.84% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.84% above avgNationally 2.88%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
24 Month Certificate
$1,000
3.80% ▲ 0.64% above Florida avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.64% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
24 Month IRA Certificate
$1,000
3.80% ▲ 0.64% above Florida avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.64% above avgNationally 2.88%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
24 Month Sand Dollar
$300
3.80% ▲ 0.64% above Florida avg
View
▼
Rate3.74%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.64% above avgNationally 2.88%
Details

Call; Sand Dollar**

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
24 Month CD
$0
3.75% ▲ 0.59% above Florida avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.88%
Details

Effective Date: September 21, 2026

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
24 Month IRA CD
$500
3.75% ▲ 0.59% above Florida avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
24 Month Share Certificate
$0
3.75% ▲ 0.59% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.88%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
24 Month Youth Certificate
$0
3.75% ▲ 0.59% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.59% above avgNationally 2.88%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70% ▲ 0.54% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.54% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
24 Month Jumbo Certificate
$100,000
3.70% ▲ 0.54% above Florida avg
View
▼
Rate3.63%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
24 Month Traditional/Roth IRA Jumbo Certificate
$100,000
3.70% ▲ 0.54% above Florida avg
View
▼
Rate3.63%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.54% above avgNationally 2.88%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 5, 2026: 3.70% APYOct 5, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
24 Month Step
$1,000
3.70% ▲ 0.54% above Florida avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.16%▲ 0.54% above avgNationally 2.88%
Details

Call; Step*

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66% ▲ 0.50% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.50% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
24 Month Mini-Jumbo Certificate
$50,000
3.65% ▲ 0.49% above Florida avg
View
▼
Rate3.58%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
24 Month Traditional/Roth IRA Mini-Jumbo Certificate
$50,000
3.65% ▲ 0.49% above Florida avg
View
▼
Rate3.58%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.49% above avgNationally 2.88%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.44% above Florida avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.44% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
24 Month Standard Certificate
$1,000
3.60% ▲ 0.44% above Florida avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.44% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
24-Month CD
$1,000
3.58% ▲ 0.42% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.42% above avgNationally 2.88%
Details

Certificates of Deposit (CD); Visa Signature Card Holders receive a 0.25% rate bump on a FAIRWINDS Certificate of Deposit. Must request rate bonus at the time of CD opening or CD renewal.

Rate History
1 change since Sep 14, 2026 · 3.39% → 3.58% ▲ 0.19 pts · high 3.58% / low 3.39%
2.89%3.49%4.08%Sep 14, 2026: 3.39% APYOct 10, 2026: 3.58% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.58%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
IRA 24-month CD
$0
3.58% ▲ 0.42% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.42% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.39% → 3.58% ▲ 0.19 pts · high 3.58% / low 3.39%
2.89%3.49%4.08%Sep 18, 2026: 3.39% APYOct 10, 2026: 3.58% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.58%▲ from 3.39%
  • Sep 18, 20263.39%first recorded
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
24 Month Certificates - Millionaire Certificate
$1,000,000
3.40% ▲ 0.24% above Florida avg
View
▼
RateN/A
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.24% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
715 S Goldwyn Ave, Orlando, FL 32805
24 Month Small Business Certificates of Deposit
$500
3.35% ▲ 0.19% above Florida avg
View
▼
Rate3.29%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.19% above avgNationally 2.88%
Details

Substantial penalty for early withdrawal; APY as of 7/6/26

Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 19, 2026: 3.35% APYSep 19, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold) 24 Month Certificate
$0
3.30% ▲ 0.14% above Florida avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.14% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
301 E Michigan St, Orlando, FL 32806 4539
24 Month CD
$500
3.30% ▲ 0.14% above Florida avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.14% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.30% / low 3.30%
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 22, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.30%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
301 E Michigan St, Orlando, FL 32806 4539
IRA 24 Month CD
$500
3.30% ▲ 0.14% above Florida avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.14% above avgNationally 2.88%
Details

Individual Retirement Account (IRA) CD Rates and Minimum Deposits

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
24 Month Certificates - Jumbo Certificate
$100,000
3.30% ▲ 0.14% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.14% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
24 Month Certificates - Regular Certificate
$1,000
3.30% ▲ 0.14% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.14% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
450 S Orange Ave, Orlando, FL 32801
24-Month Fixed Rate CD
$0
3.25% ▲ 0.09% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▲ 0.09% above avgNationally 2.88%
Details

Featured on Grow your savings your way section

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
24 Month Certificate
$0
3.25% ▲ 0.09% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.09% above avgNationally 2.88%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Business 24 Month Certificate
$0
3.25% ▲ 0.09% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.16%▲ 0.09% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
24 Month Jumbo IRA Term Share Certificates
$100,000
2.84% ▼ 0.32% below Florida avg
View
▼
Rate2.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 0.32% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 5 times
2.34%2.84%3.34%Sep 18, 2026: 2.84% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
24 Month Jumbo Term Share Certificate
$100,000
2.84% ▼ 0.32% below Florida avg
View
▼
Rate2.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 0.32% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 6 times
2.34%2.84%3.34%Sep 18, 2026: 2.84% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
24 Month IRA Term Share Certificates
$1,000
2.79% ▼ 0.37% below Florida avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 0.37% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.79% APY · checked 5 times
2.29%2.79%3.29%Sep 18, 2026: 2.79% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
24 Month Term Share Certificate
$1,000
2.79% ▼ 0.37% below Florida avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 0.37% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.79% APY · checked 6 times
2.29%2.79%3.29%Sep 18, 2026: 2.79% APYSep 18, 2026Oct 14, 2026
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5403 International Dr, Orlando, FL 32819
2 Year CD
$0
2.75% ▼ 0.41% below Florida avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 0.41% below avgNationally 2.88%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 14, 2026
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5403 International Dr, Orlando, FL 32819
2 Year CD
$0
2.55% ▼ 0.61% below Florida avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 0.61% below avgNationally 2.88%
Details

Balance: under $100,000

Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 7 times
2.05%2.55%3.05%Sep 18, 2026: 2.55% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2500 S Kirkman Rd, Orlando, FL 32811
Certificate of Deposit 2 Year
$500
2.25% ▼ 0.91% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 0.91% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2500 S Kirkman Rd, Orlando, FL 32811
IRA 2 Year
$500
2.25% ▼ 0.91% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 0.91% below avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 14, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
11411 Lake Underhill Rd, Orlando, FL 32825
Regular Certificates - 24 Month
$1,000
2.25% ▼ 0.91% below Florida avg
View
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 0.91% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2405 S Orange Ave, Orlando, FL 32806
TD Choice CD 24 Month
$250
1.00% ▼ 2.16% below Florida avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 2.16% below avgNationally 2.88%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1000 Legion Pl, Orlando, FL 32801
Business 2-Year
$0
0.35% ▼ 2.81% below Florida avg
View
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average3.16%▼ 2.81% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
24 Month Certificate of Deposit
$0
0.03% ▼ 3.13% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 3.13% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
IRA CD - 24 Months
$250
0.03% ▼ 3.13% below Florida avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 3.13% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
24 Month Certificate of Deposit
$0
0.02% ▼ 3.14% below Florida avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.16%▼ 3.14% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026

Orlando 36 Month CD Rates

Florida 36 Month CD Average2.98% APYNational 2.81%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
390 N Orange Ave, Orlando, FL 32801
36-month online CD
$25,000
4.50% ▲ 1.52% above Florida avg
View
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.52% above avgNationally 2.81%
Details

Online Only; Interest Rate: 4.40%; Maximum $1,000,000 per client

Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
3.02%4.13%5.24%Sep 18, 2026: 3.76% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.50%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
36 Month Jumbo Certificate
$0
4.25% ▲ 1.27% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.27% above avgNationally 2.81%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
36 Month Share Certificate
$0
4.25% ▲ 1.27% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.27% above avgNationally 2.81%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
36 Month Youth Certificate
$0
4.25% ▲ 1.27% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.27% above avgNationally 2.81%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
3 Year ESA Long-Term Certificate
$0
4.15% ▲ 1.17% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.17% above avgNationally 2.81%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
3 Year ESA Long-Term Certificate
$0
4.10% ▲ 1.12% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.12% above avgNationally 2.81%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1900 McCoy Rd, Orlando, FL 32809
36 Month Share Certificate
$0
4.07% ▲ 1.09% above Florida avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average2.98%▲ 1.09% above avgNationally 2.81%
Details

Balance: $1,000 - $4,999

Rate History
1 change since Sep 17, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45%
2.83%3.76%4.70%Sep 17, 2026: 3.45% APYSep 25, 2026: 4.07% APYSep 17, 2026Oct 14, 2026
  • Sep 25, 20264.07%▲ from 3.45%
  • Sep 17, 20263.45%first recorded
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
36 Month Business Share Certificate/CD
$1,000
4.00% ▲ 1.02% above Florida avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
36 Month Regular and IRA Certificate of Deposit
$1,000
4.00% ▲ 1.02% above Florida avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Business Share Certificate - 36 months
$0
4.00% ▲ 1.02% above Florida avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Regular and IRA Certificate of Deposit - 36 months
$0
4.00% ▲ 1.02% above Florida avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
11411 Lake Underhill Rd, Orlando, FL 32825
Current CD Special 36 Months
$1,000
4.00% ▲ 1.02% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 1.02% above avgNationally 2.81%
Details

Current CD Special; Penalties may apply for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
36 Month Certificate
$1,000
3.90% ▲ 0.92% above Florida avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.98%▲ 0.92% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
36 Month IRA Certificate
$1,000
3.90% ▲ 0.92% above Florida avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.98%▲ 0.92% above avgNationally 2.81%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
601 E Rollins St, Orlando, FL 32803
36 Month Certificate of Deposit
$0
3.90% ▲ 0.92% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.92% above avgNationally 2.81%
Details

Standard tier; Min $500

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 14, 2026
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
36-Month CD
$1,000
3.64% ▲ 0.66% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 0.66% above avgNationally 2.81%
Details

Certificates of Deposit (CD); Visa Signature Card Holders receive a 0.25% rate bump on a FAIRWINDS Certificate of Deposit. Must request rate bonus at the time of CD opening or CD renewal.

Rate History
1 change since Sep 14, 2026 · 3.43% → 3.64% ▲ 0.21 pts · high 3.64% / low 3.43%
2.93%3.54%4.14%Sep 14, 2026: 3.43% APYOct 10, 2026: 3.64% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.64%▲ from 3.43%
  • Sep 14, 20263.43%first recorded
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
IRA 36-month CD
$0
3.64% ▲ 0.66% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 0.66% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.43% → 3.64% ▲ 0.21 pts · high 3.64% / low 3.43%
2.93%3.54%4.14%Sep 18, 2026: 3.43% APYOct 10, 2026: 3.64% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.64%▲ from 3.43%
  • Sep 18, 20263.43%first recorded
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
36 Month Jumbo Certificate
$100,000
3.55% ▲ 0.57% above Florida avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
36 Month Traditional/Roth IRA Jumbo Certificate
$100,000
3.55% ▲ 0.57% above Florida avg
View
▼
Rate3.49%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.57% above avgNationally 2.81%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 5, 2026: 3.55% APYOct 5, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
36 Month CD
$0
3.55% ▲ 0.57% above Florida avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.57% above avgNationally 2.81%
Details

Effective Date: September 21, 2026

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
36 Month IRA CD
$500
3.55% ▲ 0.57% above Florida avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.57% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
36 Month Mini-Jumbo Certificate
$50,000
3.50% ▲ 0.52% above Florida avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
36 Month Traditional/Roth IRA Mini-Jumbo Certificate
$50,000
3.50% ▲ 0.52% above Florida avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.52% above avgNationally 2.81%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
36 Month Certificate - Millionaire Certificate
$1,000,000
3.50% ▲ 0.52% above Florida avg
View
▼
RateN/A
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
36 Month Standard Certificate
$1,000
3.45% ▲ 0.47% above Florida avg
View
▼
Rate3.39%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.47% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
36 Month Certificate - Jumbo Certificate
$100,000
3.40% ▲ 0.42% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
36 Month Certificate - Regular Certificate
$1,000
3.40% ▲ 0.42% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold) 36 Month Certificate
$0
3.30% ▲ 0.32% above Florida avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.32% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
36 Month Certificate
$0
3.25% ▲ 0.27% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.27% above avgNationally 2.81%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Business 36 Month Certificate
$0
3.25% ▲ 0.27% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.27% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
450 S Orange Ave, Orlando, FL 32801
36-Month Certificate of Deposit
$500
3.20% ▲ 0.22% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 0.22% above avgNationally 2.81%
Details

Earn 3.20% APY on balances of $500 or more; Account matures in 36 months; APY is fixed for the 36-month term; Fund up to $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
450 S Orange Ave, Orlando, FL 32801
36-Month Fixed Rate CD
$0
3.20% ▲ 0.22% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▲ 0.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold) 36 Month Variable Rate Certificate
$0
3.15% ▲ 0.17% above Florida avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.17% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
36 Month Variable Rate Certificate
$0
3.10% ▲ 0.12% above Florida avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.12% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 14, 2026: 3.15% APYSep 18, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.10%▼ from 3.15%
  • Sep 14, 20263.15%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Business 36 Month Variable Rate Certificate
$0
3.10% ▲ 0.12% above Florida avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.12% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
301 E Michigan St, Orlando, FL 32806 4539
36 Month CD
$500
3.04% ▲ 0.06% above Florida avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.06% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.04% ▼ 0.00 pts · high 3.04% / low 3.04%
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 22, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.04%▼ from 3.04%
  • Sep 14, 20263.04%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
301 E Michigan St, Orlando, FL 32806 4539
IRA 36 Month CD
$500
3.04% ▲ 0.06% above Florida avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.98%▲ 0.06% above avgNationally 2.81%
Details

Individual Retirement Account (IRA) CD Rates and Minimum Deposits

Rate History
No change since Oct 13, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 13, 2026: 3.04% APYOct 13, 2026Oct 14, 2026
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5403 International Dr, Orlando, FL 32819
3 Year CD
$0
2.60% ▼ 0.38% below Florida avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▼ 0.38% below avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 7, 2026: 2.60% APYOct 7, 2026Oct 14, 2026
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
715 S Goldwyn Ave, Orlando, FL 32805
36 Month Small Business Certificates of Deposit
$500
2.50% ▼ 0.48% below Florida avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▼ 0.48% below avgNationally 2.81%
Details

Substantial penalty for early withdrawal; APY as of 7/6/26

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 14, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
11411 Lake Underhill Rd, Orlando, FL 32825
Regular Certificates - 36 Month
$1,000
2.50% ▼ 0.48% below Florida avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▼ 0.48% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5403 International Dr, Orlando, FL 32819
3 Year CD
$0
2.40% ▼ 0.58% below Florida avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▼ 0.58% below avgNationally 2.81%
Details

Balance: under $100,000

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 7 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2500 S Kirkman Rd, Orlando, FL 32811
Certificate of Deposit 3 Year
$500
1.40% ▼ 1.58% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▼ 1.58% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 8 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2500 S Kirkman Rd, Orlando, FL 32811
IRA 3 Year
$500
1.40% ▼ 1.58% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▼ 1.58% below avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 1.40% APY
0.90%1.40%1.90%Oct 14, 2026: 1.40% APYOct 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2405 S Orange Ave, Orlando, FL 32806
TD Choice CD 3 Year
$250
1.00% ▼ 1.98% below Florida avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▼ 1.98% below avgNationally 2.81%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1000 Legion Pl, Orlando, FL 32801
Business 3-Year
$0
0.45% ▼ 2.53% below Florida avg
View
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.98%▼ 2.53% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
36 Month Certificate of Deposit
$0
0.03% ▼ 2.95% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▼ 2.95% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
IRA CD - 36 Months
$250
0.03% ▼ 2.95% below Florida avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▼ 2.95% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
36 Month Certificate of Deposit
$0
0.02% ▼ 2.96% below Florida avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▼ 2.96% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
IRA CD - 36 Months
$250
0.02% ▼ 2.96% below Florida avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▼ 2.96% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
36 Month Certificate of Deposit
$0
0.01% ▼ 2.97% below Florida avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.98%▼ 2.97% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026

Orlando 48 Month CD Rates

Florida 48 Month CD Average2.95% APYNational 2.80%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
48 Month Jumbo Certificate
$0
4.00% ▲ 1.05% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.05% above avgNationally 2.80%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
48 Month Share Certificate
$0
3.75% ▲ 0.80% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
48 Month Youth Certificate
$0
3.75% ▲ 0.80% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.80% above avgNationally 2.80%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
48-Month CD
$1,000
3.67% ▲ 0.72% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.72% above avgNationally 2.80%
Details

Certificates of Deposit (CD); Visa Signature Card Holders receive a 0.25% rate bump on a FAIRWINDS Certificate of Deposit. Must request rate bonus at the time of CD opening or CD renewal.

Rate History
1 change since Sep 14, 2026 · 3.47% → 3.67% ▲ 0.20 pts · high 3.67% / low 3.47%
2.97%3.57%4.17%Sep 14, 2026: 3.47% APYOct 10, 2026: 3.67% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.67%▲ from 3.47%
  • Sep 14, 20263.47%first recorded
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
IRA 48-month CD
$0
3.67% ▲ 0.72% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.72% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.47% → 3.67% ▲ 0.20 pts · high 3.67% / low 3.47%
2.97%3.57%4.17%Sep 18, 2026: 3.47% APYOct 10, 2026: 3.67% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.67%▲ from 3.47%
  • Sep 18, 20263.47%first recorded
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
48 Month Jumbo Certificate
$100,000
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
48 Month Traditional/Roth IRA Jumbo Certificate
$100,000
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.58%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
48 Month Certificate
$1,000
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
48 Month IRA Certificate
$1,000
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
48 Month CD
$0
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details

Effective Date: September 21, 2026

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
48 Month IRA CD
$500
3.65% ▲ 0.70% above Florida avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.70% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
48 Month Mini-Jumbo Certificate
$50,000
3.60% ▲ 0.65% above Florida avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.65% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
48 Month Traditional/Roth IRA Mini-Jumbo Certificate
$50,000
3.60% ▲ 0.65% above Florida avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.65% above avgNationally 2.80%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 5, 2026: 3.60% APYOct 5, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
48 Month Standard Certificate
$1,000
3.55% ▲ 0.60% above Florida avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.60% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
48 Month Certificates - Millionaire Certificate
$1,000,000
3.35% ▲ 0.40% above Florida avg
View
▼
RateN/A
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.40% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold) 48 Month Certificate
$0
3.30% ▲ 0.35% above Florida avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.35% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
48 Month Certificate
$0
3.25% ▲ 0.30% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.30% above avgNationally 2.80%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Business 48 Month Certificate
$0
3.25% ▲ 0.30% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.30% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
48 Month Certificates - Jumbo Certificate
$100,000
3.25% ▲ 0.30% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.30% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
48 Month Certificates - Regular Certificate
$1,000
3.25% ▲ 0.30% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average2.95%▲ 0.30% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
450 S Orange Ave, Orlando, FL 32801
48-Month Certificate of Deposit
$500
3.05% ▲ 0.10% above Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 0.10% above avgNationally 2.80%
Details

Balance: $500 or more to earn APY; Fund up to $500,000 online and up to $1,000,000 in a branch; Apply online

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
11411 Lake Underhill Rd, Orlando, FL 32825
Regular Certificates - 48 Month
$1,000
2.75% ▼ 0.20% below Florida avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▼ 0.20% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5403 International Dr, Orlando, FL 32819
4 Year CD
$0
2.60% ▼ 0.35% below Florida avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▼ 0.35% below avgNationally 2.80%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 7, 2026: 2.60% APYOct 7, 2026Oct 14, 2026
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
715 S Goldwyn Ave, Orlando, FL 32805
48 Month Small Business Certificates of Deposit
$500
2.50% ▼ 0.45% below Florida avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▼ 0.45% below avgNationally 2.80%
Details

Substantial penalty for early withdrawal; APY as of 7/6/26

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 14, 2026
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5403 International Dr, Orlando, FL 32819
4 Year CD
$0
2.40% ▼ 0.55% below Florida avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▼ 0.55% below avgNationally 2.80%
Details

Balance: under $100,000

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 7 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2500 S Kirkman Rd, Orlando, FL 32811
Certificate of Deposit 4 Year
$500
1.15% ▼ 1.80% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▼ 1.80% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 8 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2500 S Kirkman Rd, Orlando, FL 32811
IRA 4 Year
$500
1.15% ▼ 1.80% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▼ 1.80% below avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 1.15% APY
0.65%1.15%1.65%Oct 14, 2026: 1.15% APYOct 14, 2026Oct 14, 2026
FLC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
1000 Legion Pl, Orlando, FL 32801
Business 4-Year
$0
0.55% ▼ 2.40% below Florida avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Florida Average2.95%▼ 2.40% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 6 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
48 Month Certificate of Deposit
$0
0.03% ▼ 2.92% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▼ 2.92% below avgNationally 2.80%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
IRA CD - 48 Months
$250
0.03% ▼ 2.92% below Florida avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▼ 2.92% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
48 Month Certificate of Deposit
$0
0.02% ▼ 2.93% below Florida avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▼ 2.93% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
IRA CD - 48 Months
$250
0.02% ▼ 2.93% below Florida avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▼ 2.93% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
48 Month Certificate of Deposit
$0
0.01% ▼ 2.94% below Florida avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▼ 2.94% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
IRA CD - 48 Months
$250
0.01% ▼ 2.94% below Florida avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▼ 2.94% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
48 Month Certificate of Deposit
$1,000
5.20% ▲ 2.25% above Florida avg
View
▼
Rate5.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 2.25% above avgNationally 2.80%
Details

Minimum opening deposit $2,000 if purchased through Raymond James brokerage account; Rates effective October 9, 2026

Rate History
3 changes since Sep 18, 2026 · 4.85% → 5.20% ▲ 0.35 pts · high 5.20% / low 4.85%
4.35%5.03%5.70%Sep 18, 2026: 4.85% APYSep 27, 2026: 4.95% APYOct 7, 2026: 5.10% APYOct 14, 2026: 5.20% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20265.20%▲ from 5.10%
  • Oct 7, 20265.10%▲ from 4.95%
  • Sep 27, 20264.95%▲ from 4.85%
  • Sep 18, 20264.85%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month CD
$0
4.95% ▲ 2.00% above Florida avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 2.00% above avgNationally 2.80%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.95% ▲ 0.45 pts · high 4.95% / low 4.50%
4.00%4.73%5.45%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.85% APYOct 14, 2026: 4.95% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.95%▲ from 4.85%
  • Oct 1, 20264.85%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month Relationship CD
$2,500
4.70% ▲ 1.75% above Florida avg
View
▼
Rate4.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.75% above avgNationally 2.80%
Details

Minimum $2500 to open; Relationship is defined as Direct Deposit Checking

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

Interest Frequency: Semi

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Jumbo Certificate
$50,000
4.25% ▲ 1.30% above Florida avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.30% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 14, 2026: 3.95% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month CD
$2,500
4.20% ▲ 1.25% above Florida avg
View
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.25% above avgNationally 2.80%
Details

Minimum $2500 to open

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

Interest Frequency: Monthly

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

Interest Frequency: Semi

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

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

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

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

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

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

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
48 Month Term Certificate
$1,000
4.15% ▲ 1.20% above Florida avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.20% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.13%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
Term Certificate - 48 Month Jumbo
$100,000
4.13% ▲ 1.18% above Florida avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.18% above avgNationally 2.80%
Details

Jumbo certificate; Certificates require a minimum deposit; withdrawals that drop the balance below the minimum require closing or moving to a certificate that meets it.

Rate History
No change since Oct 14, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 14, 2026: 4.13% APYOct 14, 2026Oct 14, 2026
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
48 Month IRA
$1,000
4.07% ▲ 1.12% above Florida avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average2.95%▲ 1.12% above avgNationally 2.80%
Details

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

Orlando 60 Month CD Rates

Florida 60 Month CD Average3.21% APYNational 2.91%▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National Bank of Florida
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
390 N Orange Ave, Orlando, FL 32801
60-month online CD
$25,000
4.50% ▲ 1.29% above Florida avg
View
▼
Rate4.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 1.29% above avgNationally 2.91%
Details

Online Only; Interest Rate: 4.40%; Maximum $1,000,000 per client

Rate History
1 change since Sep 18, 2026 · 3.76% → 4.50% ▲ 0.74 pts · high 4.50% / low 3.76%
3.02%4.13%5.24%Sep 18, 2026: 3.76% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.50%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
McCoy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1900 McCoy Rd, Orlando, FL 32809
60 Month Share Certificate
$0
4.07% ▲ 0.86% above Florida avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Florida Average3.21%▲ 0.86% above avgNationally 2.91%
Details

Balance: $1,000 - $4,999

Rate History
1 change since Sep 14, 2026 · 2.89% → 4.07% ▲ 1.19 pts · high 4.07% / low 2.89%
1.70%3.48%5.26%Sep 14, 2026: 2.89% APYSep 25, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20264.07%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
11411 Lake Underhill Rd, Orlando, FL 32825
Current CD Special 60 Months
$1,000
4.00% ▲ 0.79% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details

Current CD Special; Penalties may apply for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
60 Month Jumbo Certificate
$0
4.00% ▲ 0.79% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.79% above avgNationally 2.91%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 0.69% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.69% above avgNationally 2.91%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
601 E Rollins St, Orlando, FL 32803
60 Month Certificate of Deposit
$0
3.90% ▲ 0.69% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.69% above avgNationally 2.91%
Details

Standard tier; Min $500

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 14, 2026
Addition Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
1823 N Alafaya Trl, Orlando, FL 32826
60 Month Certificate
$0
3.87% ▲ 0.66% above Florida avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.66% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 18, 2026 · 3.87% → 3.87% ▼ 0.00 pts · high 3.87% / low 3.82%
3.32%3.84%4.37%Sep 18, 2026: 3.87% APYOct 2, 2026: 3.82% APYOct 14, 2026: 3.87% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.87%▲ from 3.82%
  • Oct 2, 20263.82%▼ from 3.87%
  • Sep 18, 20263.87%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
11890 E Colonial Dr, Orlando, FL 32826 4701
5 Year ESA Long-Term Certificate
$0
3.85% ▲ 0.64% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.64% above avgNationally 2.91%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
60 Month CD
$0
3.75% ▲ 0.54% above Florida avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.54% above avgNationally 2.91%
Details

Effective Date: September 21, 2026

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Space Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
12301 Lake Underhill Rd, Orlando, FL 32828
60 Month IRA CD
$500
3.75% ▲ 0.54% above Florida avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.54% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
60 Month Share Certificate
$0
3.75% ▲ 0.54% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.54% above avgNationally 2.91%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Suncoast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.26%
4530 S Semoran Blvd, Orlando, FL 32822 2408
60 Month Youth Certificate
$0
3.75% ▲ 0.54% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.54% above avgNationally 2.91%
Details

Rate Type: Fixed

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
60 Month Jumbo Certificate
$100,000
3.70% ▲ 0.49% above Florida avg
View
▼
Rate3.63%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.49% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
60 Month Traditional/Roth IRA Jumbo Certificate
$100,000
3.70% ▲ 0.49% above Florida avg
View
▼
Rate3.63%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.49% above avgNationally 2.91%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 5, 2026: 3.70% APYOct 5, 2026Oct 14, 2026
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
60-Month CD
$1,000
3.70% ▲ 0.49% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.49% above avgNationally 2.91%
Details

Certificates of Deposit (CD); Visa Signature Card Holders receive a 0.25% rate bump on a FAIRWINDS Certificate of Deposit. Must request rate bonus at the time of CD opening or CD renewal.

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.70% ▲ 0.19 pts · high 3.70% / low 3.51%
3.01%3.61%4.20%Sep 14, 2026: 3.51% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.70%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12800 Tanja King Blvd, Orlando, FL 32828 7701
IRA 60-month CD
$0
3.70% ▲ 0.49% above Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▲ 0.49% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 3.51% → 3.70% ▲ 0.19 pts · high 3.70% / low 3.51%
3.01%3.61%4.20%Sep 18, 2026: 3.51% APYOct 10, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.70%▲ from 3.51%
  • Sep 18, 20263.51%first recorded
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
60 Month Mini-Jumbo Certificate
$50,000
3.65% ▲ 0.44% above Florida avg
View
▼
Rate3.58%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.44% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
60 Month Traditional/Roth IRA Mini-Jumbo Certificate
$50,000
3.65% ▲ 0.44% above Florida avg
View
▼
Rate3.58%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.44% above avgNationally 2.91%
Details

IRA Certificate

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 14, 2026
Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
13705 International Dr S, Orlando, FL 32821 5411
60 Month Standard Certificate
$1,000
3.60% ▲ 0.39% above Florida avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.39% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
60 Month Business Share Certificate/CD
$1,000
3.50% ▲ 0.29% above Florida avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details

Balance: $1,000 - $9,999; $1,000 Minimum Investment; Dividend rate fixed for term; early withdrawal penalty

Rate History
No change since Sep 29, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
60 Month Regular and IRA Certificate of Deposit
$1,000
3.50% ▲ 0.29% above Florida avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details

Balance: $1,000 - $9,999; Dividend Rate accurate as of August 5th, 2026; fixed for term

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Business Share Certificate - 60 months
$0
3.50% ▲ 0.29% above Florida avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 17, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 17, 2026: 3.50% APYSep 17, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
7041 Grand National Dr Ste 201, Orlando, FL 32819
Regular and IRA Certificate of Deposit - 60 months
$0
3.50% ▲ 0.29% above Florida avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details

Balance: $1,000 - $9,999

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
60 Month Certificate
$1,000
3.50% ▲ 0.29% above Florida avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
First Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3724 Edgewater Dr, Orlando, FL 32804 2831
60 Month IRA Certificate
$1,000
3.50% ▲ 0.29% above Florida avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Florida Average3.21%▲ 0.29% above avgNationally 2.91%
Details

Open

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
60 Month Certificates - Millionaire Certificate
$1,000,000
3.40% ▲ 0.19% above Florida avg
View
▼
RateN/A
Min Deposit$1,000,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.19% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold) 60 Month Certificate
$0
3.30% ▲ 0.09% above Florida avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.09% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
60 Month Certificates - Jumbo Certificate
$100,000
3.30% ▲ 0.09% above Florida avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.09% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Insight Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
129 E Gore St, Orlando, FL 32806 1222
60 Month Certificates - Regular Certificate
$1,000
3.30% ▲ 0.09% above Florida avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.09% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
60 Month Certificate
$0
3.25% ▲ 0.04% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.04% above avgNationally 2.91%
Details

Balance: $1,000 minimum

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Business 60 Month Certificate
$0
3.25% ▲ 0.04% above Florida avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▲ 0.04% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
301 E Michigan St, Orlando, FL 32806 4539
60 Month CD
$500
3.20% ▼ 0.01% below Florida avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.01% below avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.20% ▼ 0.00 pts · high 3.20% / low 3.20%
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 22, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.20%▼ from 3.20%
  • Sep 14, 20263.20%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
301 E Michigan St, Orlando, FL 32806 4539
IRA 60 Month CD
$500
3.20% ▼ 0.01% below Florida avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.01% below avgNationally 2.91%
Details

Individual Retirement Account (IRA) CD Rates and Minimum Deposits

Rate History
No change since Oct 13, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 13, 2026: 3.20% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Member Merits (Gold) 60 Month Variable Rate Certificate
$0
3.15% ▼ 0.06% below Florida avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.06% below avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 14, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
60 Month Variable Rate Certificate
$0
3.10% ▼ 0.11% below Florida avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.11% below avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 14, 2026: 3.15% APYSep 18, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.10%▼ from 3.15%
  • Sep 14, 20263.15%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
7007 Sea World Dr, Orlando, FL 32821 8097
Business 60 Month Variable Rate Certificate
$0
3.10% ▼ 0.11% below Florida avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Florida Average3.21%▼ 0.11% below avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
60 Month Jumbo IRA Term Share Certificates
$100,000
3.09% ▼ 0.12% below Florida avg
View
▼
Rate3.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 0.12% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 5 times
2.59%3.09%3.59%Sep 18, 2026: 3.09% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
60 Month Jumbo Term Share Certificate
$100,000
3.09% ▼ 0.12% below Florida avg
View
▼
Rate3.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 0.12% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 6 times
2.59%3.09%3.59%Sep 18, 2026: 3.09% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
60 Month IRA Term Share Certificates
$1,000
3.05% ▼ 0.16% below Florida avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 0.16% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Orlando Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
945 S Orange Ave, Orlando, FL 32806 1212
60 Month Term Share Certificate
$1,000
3.05% ▼ 0.16% below Florida avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 0.16% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
11411 Lake Underhill Rd, Orlando, FL 32825
Regular Certificates - 60 Month
$1,000
3.00% ▼ 0.21% below Florida avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 0.21% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5403 International Dr, Orlando, FL 32819
5 Year CD
$0
2.60% ▼ 0.61% below Florida avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 0.61% below avgNationally 2.91%
Details

Balance: $100,000.00 and over

Rate History
No change since Oct 7, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Oct 7, 2026: 2.60% APYOct 7, 2026Oct 14, 2026
Axiom Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
715 S Goldwyn Ave, Orlando, FL 32805
60 Month Small Business Certificates of Deposit
$500
2.50% ▼ 0.71% below Florida avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 0.71% below avgNationally 2.91%
Details

Substantial penalty for early withdrawal; APY as of 7/6/26

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 14, 2026
BB Americas Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5403 International Dr, Orlando, FL 32819
5 Year CD
$0
2.40% ▼ 0.81% below Florida avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 0.81% below avgNationally 2.91%
Details

Balance: under $100,000

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 7 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2500 S Kirkman Rd, Orlando, FL 32811
Certificate of Deposit 5 Year
$500
1.25% ▼ 1.96% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 1.96% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2500 S Kirkman Rd, Orlando, FL 32811
IRA 5 Year
$500
1.25% ▼ 1.96% below Florida avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 1.96% below avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 14, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
2838 Curry Ford Rd, Orlando, FL 32806
5 Year Certificate of Deposit
$0
1.25% ▼ 1.96% below Florida avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 1.96% below avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2405 S Orange Ave, Orlando, FL 32806
TD Choice CD 5 Year
$250
1.00% ▼ 2.21% below Florida avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 2.21% below avgNationally 2.91%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
60 Month Certificate of Deposit
$0
0.03% ▼ 3.18% below Florida avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 3.18% below avgNationally 2.91%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
13583 Hunters Oak Dr, Orlando, FL 32837
IRA CD - 60 Months
$250
0.03% ▼ 3.18% below Florida avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Florida Average3.21%▼ 3.18% below avgNationally 2.91%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Orlando, Florida Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
City National Bank of Florida
24-month online CD
A 5.0 ★ TX: 7.12%
Min: $25,000
4.50%
TrustCo Bank
6 Month CD
A+ 5.0 ★ TX: 4.14%
Min: $500
4.15%
BankUnited
12-Month CD
A 5.0 ★ TX: 6.17%
Min: $1,000
3.95%
Seacoast National Bank
12-Month CD (Certificate of Deposit)
A+ 5.0 ★ TX: 2.72%
Min: $1,000
3.75%
ValleyDirect
3-Month Certificate of Deposit
A+ 5.0 ★ TX: 5.76%
Min: $500
3.55%
CU Top 5 Credit Union Rates
Platinum Federal Credit Union
12 Month Family Legacy Certificate Account
A+ 5.0 ★ TX: 1.89%
Min: $0
5.00%
Suncoast Credit Union
18 Month Jumbo Certificate
A 5.0 ★ TX: 6.26%
Min: $0
4.50%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
McCoy Federal Credit Union
24 Month Share Certificate
A+ 5.0 ★ TX: 3.49%
Min: $0
4.28%
Space Coast Credit Union
12 Month CD
A+ 5.0 ★ TX: 5.37%
Min: $0
4.25%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Orlando, FL CD Rate Trends

Compare local Orlando, FL CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

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

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

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

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

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

FL CD Rate Forecast, Next 12 Months

Where are Florida CD rates headed through October 2027?

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

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

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

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

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

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

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What Your Savings Earn at FL CD Rates Today

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

CD Term FL Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.076% $103.78 $207.56 $518.90 $1,037.80
6-Month CD 3.060% $153.02 $306.03 $765.07 $1,530.15
12-Month CD 3.218% $160.91 $321.81 $804.53 $1,609.05
18-Month CD 3.268% $163.42 $326.84 $817.10 $1,634.20
24-Month CD 3.163% $158.16 $316.32 $790.80 $1,581.60
36-Month CD 2.980% $148.99 $297.98 $744.95 $1,489.90
48-Month CD 2.950% $147.50 $294.99 $737.48 $1,474.95
60-Month CD 3.208% $160.39 $320.79 $801.97 $1,603.95
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
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Sample CD Ladder for Orlando, Florida Savers

$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.

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

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

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1,952
CD Rates
Tracked in Orlando, Florida
38 Banks 60 Credit Unions

About Our Orlando, Florida CD Rate Database

MonitorBankRates tracks 1,952 CD rates from 38 banks and 60 credit unions with locations in Orlando, Florida, plus national online institutions available to Florida residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Platinum Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Orlando, Florida.

How to Find the Best CD Rates in Orlando, Florida

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

To find the best APYs in Orlando, Florida, start with credit unions and online-only banks: Orlando, Florida has 60 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 Orlando, 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 Orlando, Florida: 98 institutions here report CD rates

Consider an Alternative If…

Orlando, Florida Financial Snapshot

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

Population 65+
11.3%
National avg: 17.3%
Median Individual Earnings
$42,355
National avg: $47,340
Poverty Rate
14.7%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$136/yr
At FL 12-mo avg 3.218% APY

11.3% of residents are 65 or older, below the national average of 17.3%. At today’s FL 12-month CD average of 3.218%, saving 10% of the local median salary ($4,235/year) and putting it in a CD would earn an additional $136 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 Orlando, Florida

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Orlando, Florida

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Orlando, Florida typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Orlando, Florida as everywhere in the U.S.

Choosing a CD Term in Orlando, Florida

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Orlando, Florida savers easier access to their funds. For example, City National Bank of Florida is offering its 6-month online CD at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, City National Bank of Florida is offering its 60-month online CD at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Orlando, Florida Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Orlando, Florida saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Orlando, Florida

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Orlando, Florida CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Orlando, Florida

Most CDs carry a fixed rate that is locked for the entire term, protecting a Orlando, Florida depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Orlando, Florida

Are CD rates in Orlando, Florida FDIC insured?

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

Here are recent top rates found for this area:
  • Platinum Federal Credit Union: 5.00% APY (12 Month Family Legacy Certificate Account)
  • City National Bank of Florida: 4.50% APY (24-month online CD)
  • Suncoast Credit Union: 4.50% APY (18 Month Jumbo Certificate)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • McCoy Federal Credit Union: 4.28% APY (24 Month Share Certificate)
  • Space Coast Credit Union: 4.25% APY (12 Month CD)
  • TrustCo Bank: 4.15% APY (6 Month CD)
  • Partners Federal Credit Union: 4.00% APY (12 Month Jumbo Certificate)
  • Adventhealth Credit Union: 4.00% APY (12 Month Certificate of Deposit)
  • Midflorida Credit Union: 4.00% APY (Current CD Special 36 Months)
Rates reflect recent verified offers available in Orlando, Florida. Last Updated: October 14, 2026

Orlando, Florida CD Calculator

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Orlando, Florida CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Orlando, Florida. Averages shown use the Florida state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Orlando, Florida

Orlando, Florida CD Calculator

At today’s FL top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Orlando, Florida CD Ladder

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

Early Withdrawal Penalty

Before locking into a Orlando, Florida CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Florida’s average 12-month CD is 3.218% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Orlando, Florida CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Orlando, Florida directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Orlando, Florida. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in FL.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026

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