Florida CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Florida CD rates include Tru Fi-Credit UnionTru Fi-Credit Union602 S 6th St, Macclenny, FL 32063 2608A+5.0 ★Texas Ratio: 0.35%Real return: +1.53%APY minus CPI (February 2026) offering Tru Certificates of Deposit Teen 12 Month Special at 4.33% APY, Raymond James BankRaymond James Bank710 Carillon Pkwy, Saint Petersburg, FL 33716A+5.0 ★Texas Ratio: 3.67%Real return: +1.45%APY minus CPI (February 2026) offering 60 Months Certificates of Deposit (CDs) at 4.25% APY, U S POSTAL SERVICEU S POSTAL SERVICE7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607A+5.0 ★Texas Ratio: 4.34%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, 1st Street Credit Union1st Street Credit Union1558 1st St, Sarasota, FL 34236 8502A+5.0 ★Texas Ratio: 1.48%Real return: +1.36%APY minus CPI (February 2026) offering 24 MONTH CERTIFICATE at 4.16% APY, and MIAMI FIREFIGHTERSMIAMI FIREFIGHTERS1111 NW 7th St, Miami, FL 33136A5.0 ★Texas Ratio: 2.29%Real return: +1.35%APY minus CPI (February 2026) offering 18 Months Share Certificates at 4.15% APY. CD rates as of May 23, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Florida side-by-side. Florida CD rates currently reach as high as 4.33% APY from Tru Fi-Credit Union at 602 S 6th St, Macclenny, FL 32063 2608. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 23, 2026
Compare Best CD Rates in Florida
Florida 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1314 Oakfield Dr, Brandon, FL 33511
Share Certificates 3 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1314 Oakfield Dr, Brandon, FL 33511
Share Certificates 3 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Brightstar Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
3400 N University Dr, Hollywood, FL 33024 2242
3 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Guaranteed rate for 3 months
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4211 San Juan Ave, Jacksonville, FL 32210
Performance? CDs 3 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
2405 Lucien Way, Maitland, FL 32751
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
3 Month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
3 Month IRA
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
301 E Las Olas Blvd, Fort Lauderdale, FL 33301
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
90-Day Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Wilmington Savings Fund Society (WSFS)
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
980 North Federal Highway Suite 110 30, Boca Raton, FL 33432
3-Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Annual Percentage Yield (APY). The interest rate and APY are effective as of May 21, 2026 and are subject to change. A penalty may be imposed for early withdrawal. Withdrawal penalties are as follows. For a 3-month term, the penalty is 30 days' interest. Fees could reduce earnings on the account. Additional restrictions may apply.
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
90-Day IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
3 Month CD
$2,500
3.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL 33884
3 Months CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
300 S Plumosa St, Merritt Island, FL 32952
Business Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
300 S Plumosa St, Merritt Island, FL 32952
Share Certificates 3 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
3 Months
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
Small Business Certificates of Deposit 3 Months
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
4205 Hollywood Blvd, Hollywood, FL 33021
Standard Certificates 3 Months
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
4205 Hollywood Blvd, Hollywood, FL 33021
3 Months Standard Certificates
$0
3.26%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$1,000,000
3.25%
▼
Rate3.20%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 21, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$750,000
3.15%
▼
Rate3.10%
Min Deposit$750,000
Min Balance—
UpdatedMay 21, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1126 N Ferdon Blvd, Crestview, FL 32536 1710
3 Months Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4211 San Juan Ave, Jacksonville, FL 32210
CDARS? CDs 3 month
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$50,000
3.00%
▼
Rate2.96%
Min Deposit$50,000
Min Balance—
UpdatedMay 21, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
910 Thomas Dr, Panama City, FL 32408 7442
Compounding IRA Share Certificates 3 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
910 Thomas Dr, Panama City, FL 32408 7442
Compounding Share Certificates 3 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
910 Thomas Dr, Panama City, FL 32408 7442
Non-Compounding Share Certificates 3 months
$0
2.96%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
3-Month Term Certificate
$500
2.90%
▼
Rate2.86%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
710 Carillon Pkwy, Saint Petersburg, FL 33716
90 Days Certificates of Deposit (CDs)
$2,000
2.85%
▼
Rate2.81%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Rate2.71%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
A penalty may be imposed for early withdrawal.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 and above
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
2143 E Semoran Blvd, Apopka, FL 32703
3 Month Millionaire Certificate
$1,000,000
2.55%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedMay 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Under $100,000
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
5255 N FEDERAL HWY, BOCA RATON, FL 33487 4901
3 Months Term Share Certificates
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4211 San Juan Ave, Jacksonville, FL 32210
Business CDs 3 month
$0
2.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
2143 E Semoran Blvd, Apopka, FL 32703
3 Month Regular Certificate
$1,000
2.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
3 month CD
$500
2.40%
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
3 Months Share Certificates
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL 33122 1824
Share Certificates 3 Months
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4211 San Juan Ave, Jacksonville, FL 32210
Business CDARS? CDs 3 month
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
2401 Pga Blvd Ste 198, Palm Beach Gardens, FL 33410
90-day fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL 33027
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1621 S Orange Blossom Trl, Apopka, FL 32703 7755
3-Month CD
$0
1.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3000 N University Dr, Sunrise, FL 33322 1611
3 Month Term Certificate
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL 33027
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL 33027
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Community State Bank Starke, FL
Institution Rating:
A5.0 ★Texas Ratio: 12.85%
811 S Walnut St, Starke, FL 32091
Certificates of Deposit (CDs) 3 Months
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
535 Ohio Ave S, Live Oak, FL 32064
3 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
129 S Kentucky Ave, Lakeland, FL 33801
IRA Certificates 3 Month
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Fidelity Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
135 Perry Ave Se, Fort Walton Beach, FL 32548
6-Month CD Term
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
A minimum deposit of $1,000 is required to open a CD | Rates subject to change
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month IRA CD
$100,000
4.10%
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
6 Months Fixed Rate Certificates
$1,000
4.08%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
Business Fixed Rate Certificates 6 Months
$1,000
4.08%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month IRA CD
$25,000
4.05%
▼
Rate3.98%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
710 Carillon Pkwy, Saint Petersburg, FL 33716
6 Months Certificates of Deposit (CDs)
$2,000
4.00%
▼
Rate3.92%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
6 Month CD
$2,500
4.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month CD
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month HSA Certificate of Deposit (CD)
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month IRA CD
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
HSA Certificate of Deposit (CD) 6 month
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
HSA Certificate of Deposit (CD) 6 month
$25,000
3.95%
▼
Rate3.88%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month HSA Certificate of Deposit (CD)
$25,000
3.95%
▼
Rate3.88%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month CD
$25,000
3.95%
▼
Rate3.88%
Min Deposit$25,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month CD
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month HSA Certificate of Deposit (CD)
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
6-month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
HSA Certificate of Deposit (CD) 6 month
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
6-Month Certificates and IRA Certificates
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
Golden Eagle Certificates 6-Month
$5,000
3.87%
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
Jumbo Certificates 6-Month
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
6 Month IRA Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
6 Months Share Certificates
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
6 Month IRA
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
6 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL 33511
6 Month Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 50,000 6 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$25,001
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL 33021 5421
6 month term Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL 33021 5421
6 month term Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit > 6 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,001
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit < 6 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$5,000
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 75,000 6 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,001
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL 33021 5421
6 month term
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 25,000 6 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$5,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
6 Months Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
6 Months Share Certificate Promotional Rate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
6-Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 100,000 6 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$75,000
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
6 MONTH CD
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL 33765 1448
6 Months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
6-Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL 32405 4408
6-Month IRA Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
6-Month Term Certificate
$1,000,000
3.70%
▼
Rate3.64%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
6 Months Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4211 San Juan Ave, Jacksonville, FL 32210
Business CDs 6 month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Florida 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit Teen 12 Month Special
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
*Max Amount $2,500
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL 33511
12 Month Certificate
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
710 Carillon Pkwy, Saint Petersburg, FL 33716
12 Months Certificates of Deposit (CDs)
$2,000
4.05%
▼
Rate3.97%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$1,000,000
4.05%
▼
Rate3.98%
Min Deposit$1,000,000
Min Balance—
UpdatedMay 21, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
12 Month HSA Fixed Rate Certificates
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
12 Months Fixed Rate Certificates
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
Business Fixed Rate Certificates 12 Months
$1,000
4.03%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
601 E Rollins St, Orlando, FL 32803
12-month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
12 Months Share Certificates
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
12 Month Share Certificates Rate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
12 Month IRA Share Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
12 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL 33511
12 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
323 E Kennedy Blvd, Eatonville, FL 32751
12-Month Share Certificate Account
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$750,000
4.00%
▼
Rate3.93%
Min Deposit$750,000
Min Balance—
UpdatedMay 21, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
340 Royal Palm Way, Palm Beach, FL 33480
Agility 12-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$500,000
3.95%
▼
Rate3.88%
Min Deposit$500,000
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$250,000
3.90%
▼
Rate3.83%
Min Deposit$250,000
Min Balance—
UpdatedMay 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1501 W Yamato Rd, Boca Raton, FL 33431 4438
12-Month Jumbo Promo Certificate
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
Jumbo Certificates 12-Month
$50,000
3.87%
▼
Rate3.80%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
12 Month IRA
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
12 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
Golden Eagle Certificates 12-Month
$5,000
3.87%
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
12-Month Certificates and IRA Certificates
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$100,000
3.85%
▼
Rate3.78%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Mini-Jumbo Certificate 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Standard 12-Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
12 Month Bonus Certificates
$40,000
3.84%
▼
Rate3.78%
Min Deposit$40,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 25,000 12 Months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$5,000
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL 32806 1212
12-Month Term Share Certificates Starter Rate
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Starter Rate $500 min & max deposit*
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit > 12 Months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,001
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit < 12 Months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$5,000
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 75,000 12 Months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,001
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 50,000 12 Months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$25,001
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 1 Year IRA
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 100,000 12 Months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$75,000
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
2143 E Semoran Blvd, Apopka, FL 32703
12 Month Certificates Millionaire Certificate
$1,000,000
3.80%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
12 Month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
1 Year Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
1 Year Rookie Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 12 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedMay 17, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
JUMBO Regular & IRA Certificates 1 Year
$100,000
3.75%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Florida 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
710 Carillon Pkwy, Saint Petersburg, FL 33716
18 Months Certificates of Deposit (CDs)
$2,000
4.20%
▼
Rate4.11%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.64%
3815 N Nebraska Ave, Tampa, FL 33603
18 Month Market Watch** Share Certificate
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.64%
3815 N Nebraska Ave, Tampa, FL 33603
Share Certificate 18 Month Market Watch
$500
4.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
18 Month IRA Share Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
18 Month Share Certificate Rate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
18 Months Share Certificates
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
18 Month CD
$2,500
3.95%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
18 Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
2405 Lucien Way, Maitland, FL 32751
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
18 month IRA CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
18 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
18 Month IRA
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
340 Royal Palm Way, Palm Beach, FL 33480
Agility 18-month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Online Only
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 18 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedMay 17, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
9580 Hutchinson Park Dr, Jacksonville, FL 32225 7201
18 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Bank (NJ)
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
205 Worth Ave, Palm Beach, FL 33480
12 or 18 Month Certificate of Deposit
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Malvern Bank Paoli, PA
Institution Rating:
A+5.0 ★
205 Worth Ave Ste 308, Palm Beach, FL 33480
12 or 18 Month Certificate of Deposit
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
$2,500 to open and earn
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
18 month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL 33884
18 Months CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH IRA CERT
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH IRA CERT
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 0.94%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
Preferred Investment Certificates 18 month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1126 N Ferdon Blvd, Crestview, FL 32536 1710
18 Months Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL 32246
18 months Certificates of Deposit
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL 32246
Certificates of Deposit 18 months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL 32246
Certificates of Deposit - Special Offers 18 months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH IRA CERT
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
18 MONTH CERTIFICATE
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
24201 Walden Center Dr, Estero, FL 34134
18 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
24201 Walden Center Dr, Estero, FL 34134
18 Month CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
18 Months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL 33027
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit < 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$5,000
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
18 Month Term Share Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
18 Month Share CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
18 Month IRA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit > 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$100,001
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4211 San Juan Ave, Jacksonville, FL 32210
Performance? CDs 18 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 75,000 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$50,001
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 50,000 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$25,001
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 25,000 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$5,000
Tru Fi-Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
602 S 6th St, Macclenny, FL 32063 2608
Tru Certificates of Deposit - 100,000 18 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$75,000
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL 32246
Certificates of Deposit - Pulse Certificate 18 months
$100
3.40%
▼
Rate3.35%
Min Deposit$100
Min Balance—
UpdatedMay 23, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
301 E Michigan St, Orlando, FL 32806 4539
18 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Axiom Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.62%
258 Southhall Ln, Maitland, FL 32751
Small Business Certificates of Deposit 18 Months
$0
3.35%
▼
Rate3.29%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Florida 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
710 Carillon Pkwy, Saint Petersburg, FL 33716
24 Months Certificates of Deposit (CDs)
$2,000
4.15%
▼
Rate4.07%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
2 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
2 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 24 month
$40,000
3.95%
▼
Rate3.87%
Min Deposit$40,000
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
24 Month HSA Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
24 Months Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
Business Fixed Rate Certificates 24 Months
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL 32207
IRA Share Certificates 24 month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
2 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
24 Month IRA Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
24 Months Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
24 month IRA CD
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
24-Month Term Certificate
$750,000
3.85%
▼
Rate3.78%
Min Deposit$750,000
Min Balance—
UpdatedMay 21, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL 33511
24 Month Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
24 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
24 Month IRA
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
24-Month Term Certificate
$500,000
3.80%
▼
Rate3.73%
Min Deposit$500,000
Min Balance—
UpdatedMay 21, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
24 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
9580 Hutchinson Park Dr, Jacksonville, FL 32225 7201
24 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
24 Month HSA Adjustable Rate Certificates
$1,000
3.76%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
24 Months Adjustable Rate Certificates
$1,000
3.76%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
Business Adjustable Rate Certificates 24 Months
$1,000
3.76%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
323 E Kennedy Blvd, Eatonville, FL 32751
24-Month Share Certificate Account
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
24 month CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
24 Month Bonus Certificates
$40,000
3.75%
▼
Rate3.69%
Min Deposit$40,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
24 Month CD
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2950 Aventura Blvd, Aventura, FL 33180
New Money 24 Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Jumbo College Saver 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 24-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2950 Aventura Blvd, Aventura, FL 33180
Online 24 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
2950 Aventura Blvd, Aventura, FL 33180
Wealth Center/Telephone Deposit 24 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Mini-Jumbo College Saver 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Mini-Jumbo Certificate 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
JUMBO Regular & IRA Certificates 2 Year
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Standard College Saver 24-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $500
Florida 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
710 Carillon Pkwy, Saint Petersburg, FL 33716
36 Months Certificates of Deposit (CDs)
$2,000
4.15%
▼
Rate4.07%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL 33027
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
3 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
3 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
36 MONTH CERTIFICATE
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
3 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL 33027
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL 33027
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
36 MONTH CERTIFICATE
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
9580 Hutchinson Park Dr, Jacksonville, FL 32225 7201
3-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
9580 Hutchinson Park Dr, Jacksonville, FL 32225 7201
36 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
36 Months Fixed Rate Certificates
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
Business Fixed Rate Certificates 36 Months
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
36 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
36 Month IRA
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
36 Months Share Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
36 MONTH CERTIFICATE
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
36 Month IRA Share Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
36 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
2405 Lucien Way, Maitland, FL 32751
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
36 Month Bonus Certificates
$40,000
3.71%
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 36 month
$40,000
3.64%
▼
Rate3.58%
Min Deposit$40,000
Min Balance—
UpdatedMay 17, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL 32207
IRA Share Certificates 36 month
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
36 Month IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
36 Month Share CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
36 Month Term Share Certificate
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL 33713
36 month IRA CD
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL 32246
Certificates of Deposit 36 months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL 32246
Certificates of Deposit - Special Offers 36 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL 32246
36 months Certificates of Deposit
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3005 New Tampa Hwy, Lakeland, FL 33815 3468
JUMBO Regular & IRA Certificates 3 Year
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
IRA Certificates 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
36 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Jumbo College Saver 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
36-Month Term Certificate
$750,000
3.55%
▼
Rate3.49%
Min Deposit$750,000
Min Balance—
UpdatedMay 21, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 36-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Unity Of Eatonville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
323 E Kennedy Blvd, Eatonville, FL 32751
36-Month Share Certificate Account
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL 33610
36 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early withdrawal penalties may apply.
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3000 N University Dr, Sunrise, FL 33322 1611
36 Month Term Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
2143 E Semoran Blvd, Apopka, FL 32703
36 Month Millionaire Certificate
$1,000,000
3.50%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedMay 20, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
24201 Walden Center Dr, Estero, FL 34134
36 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Florida 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
710 Carillon Pkwy, Saint Petersburg, FL 33716
48 Months Certificates of Deposit (CDs)
$2,000
4.20%
▼
Rate4.11%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
9580 Hutchinson Park Dr, Jacksonville, FL 32225 7201
48 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
48 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
48 Month IRA
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL 33040
48 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL 33040
48 Month Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
Business Fixed Rate Certificates 48 Months
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
48 Months Fixed Rate Certificates
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH IRA CERT
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
48 Month Share CD
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
48 Month Term Share Certificate
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
48 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
48 Months Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Jumbo College Saver 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH CERTIFICATE
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL 33610
48 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early withdrawal penalties may apply.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH IRA CERT
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Mini-Jumbo Certificate 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Mini-Jumbo College Saver 48-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Standard College Saver 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $500
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Standard 48-Month
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
24201 Walden Center Dr, Estero, FL 34134
48 Month CD VIP BONUS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
24201 Walden Center Dr, Estero, FL 34134
48 Month IRA/HSA CD VIP BONUS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH IRA CERT
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3000 N University Dr, Sunrise, FL 33322 1611
48 Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
711 E Henderson Ave, Tampa, FL 33602
48 months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 48 month
$40,000
3.50%
▼
Rate3.44%
Min Deposit$40,000
Min Balance—
UpdatedMay 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
2405 Lucien Way, Maitland, FL 32751
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
2405 Lucien Way, Maitland, FL 32751
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
4651 Emerson St, Jacksonville, FL 32207
IRA Share Certificates 48 month
$1,000
3.45%
▼
Rate3.39%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL 32246
48 months Certificates of Deposit
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL 32246
Certificates of Deposit - Special Offers 48 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL 32246
Certificates of Deposit 48 months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
4211 San Juan Ave, Jacksonville, FL 32210
Performance? CDs 48 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EGLIN
Institution Rating:
A5.0 ★Texas Ratio: 0.94%
838 Eglin Pkwy NE, Fort Walton Beach, FL 32547 2530
Preferred Investment Certificates 48 month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Insight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
2143 E Semoran Blvd, Apopka, FL 32703
48 Month Certificates Millionaire Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Florida 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
710 Carillon Pkwy, Saint Petersburg, FL 33716
60 Months Certificates of Deposit (CDs)
$2,000
4.25%
▼
Rate4.16%
Min Deposit$2,000
Min Balance—
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL 33040
60 Month IRA CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL 33040
60 Month Share Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
5 Years Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
5 Years Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
$1,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL 33461 3753
5 Years Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
9580 Hutchinson Park Dr, Jacksonville, FL 32225 7201
60 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5400 S Biscayne Dr Ste A, North Port, FL 34287 1932
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
60 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1421 US Highway 331 S, Defuniak Springs, FL 32435
60 Month IRA
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 23, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
60-Month Term Certificate
$750,000
3.80%
▼
Rate3.73%
Min Deposit$750,000
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
60 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
60 Month Term Share Certificate
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
60 Month Share CD
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
60 Month IRA
$500
3.70%
▼
Rate3.64%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Jumbo Certificate 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Jumbo College Saver 60-Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
60-Month Term Certificate
$250,000
3.70%
▼
Rate3.64%
Min Deposit$250,000
Min Balance—
UpdatedMay 21, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Mini-Jumbo College Saver 60-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Mini-Jumbo Certificate 60-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $50,000
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
60 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
60 Months Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
24201 Walden Center Dr, Estero, FL 34134
60 Month CD VIP BONUS
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL 33610
60 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early withdrawal penalties may apply.
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
24201 Walden Center Dr, Estero, FL 34134
60 Month IRA/HSA CD VIP BONUS
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
IRA Certificates 60 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
5000 US Highway 1 N, St Augustine, FL 32095 6200
60 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Traditional/Roth IRA Standard 60-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $1,000
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL 32830
Standard College Saver 60-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $500
GTE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
711 E Henderson Ave, Tampa, FL 33602
60 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
60 Months Fixed Rate Certificates
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
Business Fixed Rate Certificates 60 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
60-Month Term Certificate
$100,000
3.55%
▼
Rate3.49%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3000 N University Dr, Sunrise, FL 33322 1611
60 Month Term Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL 33406 5195
Regular 60 Month Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Minimum $5,000
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
4205 Hollywood Blvd, Hollywood, FL 33021
60 Months Standard Certificates
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
4205 Hollywood Blvd, Hollywood, FL 33021
Standard Certificates 60 Months
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL 32246
60 months Certificates of Deposit
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL 33607
5 Years Share Certificates
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Florida at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- Florida CD rates currently reach as high as 4.33% APY from Tru Fi-Credit Union. The rate table above ranks every offer we track for Florida, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Florida CD Rate Trends
Compare local Florida CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — FL Avg
2.711%
▲ 0.055 vs 7 days ago
Florida 12-month CD rates rose 0.055 points over the past 7 days to 2.711% APY.
6-Month CD — FL Avg
2.722%
▲ 0.077 vs 7 days ago
Florida 6-month CD rates rose 0.077 points over the past 7 days to 2.722% APY.
As of May 28, 2026 • Rate data sourced from 8,500+ monitored institutions
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FL CD Rate Forecast — Next 12 Months
Where are Florida CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
FL 12-Month Avg APY
2.711%
6-Month Forecast
2.711%
Range: 2.51% – 2.86%
12-Month Forecast
2.461%
Range: 2.26% – 2.61%
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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 | 1.938% | $96.92 | $193.84 | $484.60 | $969.20 |
| 6-Month CD | 2.722% | $136.11 | $272.21 | $680.53 | $1,361.05 |
| 12-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 18-Month CD | 2.409% | $120.47 | $240.94 | $602.35 | $1,204.70 |
| 24-Month CD | 2.565% | $128.27 | $256.54 | $641.35 | $1,282.70 |
| 36-Month CD | 2.514% | $125.72 | $251.44 | $628.60 | $1,257.20 |
| 48-Month CD | 2.665% | $133.25 | $266.49 | $666.23 | $1,332.45 |
| 60-Month CD | 2.211% | $110.55 | $221.10 | $552.75 | $1,105.50 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 23, 2026. | |||||
Sample CD Ladder for Florida Savers
$25,000 split equally across 5 terms using today’s Florida average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | FL Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.938% | $96.92 |
| 2 | 6-Month CD | $5,000 | 2.722% | $136.11 |
| 3 | 12-Month CD | $5,000 | 2.711% | $135.57 |
| 4 | 24-Month CD | $5,000 | 2.565% | $128.27 |
| 5 | 36-Month CD | $5,000 | 2.514% | $125.72 |
| Total ($25,000 invested) | $25,000 | 2.490% blended | $622.59/yr | |
Ladder example uses equal $5,000 rungs and Florida average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,025
CD Rates
Tracked in Florida
Tracked in Florida
28 Banks
69 Credit Unions
About Our Florida CD Rate Database
MonitorBankRates tracks 1,025 CD rates from 28 banks and 69 credit unions with locations in Florida, plus national online institutions available to Florida residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Tru Fi-Credit Union offers a CD at 4.33% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Florida.
How to Find the Best CD Rates in Florida
What to compare when shopping for a CD in Florida
To find the best APYs in Florida, start with credit unions and online-only banks — Florida has 69 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 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 Florida — 97 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Florida savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Florida money market rates
Florida Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
21.3%
National avg: 17.3%
Median Individual Earnings
$41,891
National avg: $47,340
Poverty Rate
12.6%
National avg: 11.1%
Unemployment Rate
4.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$114/yr
At FL 12-mo avg 2.711% APY
21.3% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s FL 12-month CD average of 2.711%, saving 10% of the local median salary ($4,189/year) and putting it in a CD would earn an additional $114 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 Florida
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Florida
Are CD rates in Florida FDIC insured?
Yes, most established banks in 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 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 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 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 Florida?
Here are recent top rates found for this area:
- Tru Fi-Credit Union: 4.33% APY (Tru Certificates of Deposit Teen 12 Month Special)
- Raymond James Bank: 4.25% APY (60 Months Certificates of Deposit (CDs))
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- 1st Street Credit Union: 4.16% APY (24 MONTH CERTIFICATE)
- United Fidelity Bank: 4.15% APY (6-Month CD Term)
- Tampa Bay Federal Credit Union: 4.15% APY (18 Month Market Watch** Share Certificate)
- MIAMI FIREFIGHTERS: 4.15% APY (18 Month IRA Share Certificate)
- Firefighters First Federal Credit Union: 4.10% APY (2 Year Retirement Share Certificate)
- Achieva Credit Union: 4.10% APY (6 month IRA CD)
- Florida West Coast Credit Union: 4.08% APY (12 Month Certificate)
Rates reflect recent verified offers available in Florida. Last Updated: May 23, 2026
CD Calculators for Florida
Florida CD Calculator
At today’s FL top rate of 4.33% APY, a $10,000 deposit earns $433 in the first year. Enter your amount to see your exact return.
Florida CD LadderFL CD rates currently range from 1.938% (3-month) to 2.514% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Florida CD at 4.33% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsFlorida’s average 12-month CD is 2.711% 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 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 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 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: May 23, 2026
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