Current Pembroke Pines, Florida CD rates include Dade County Federal Credit UnionDade County Federal Credit Union179 N Hiatus Rd, Pembroke Pines, FL 33026A+5.0 ★Texas Ratio: 1.54%Real return: +1.30%APY minus CPI (February 2026) offering 12 Months at 4.10% APY, Sun Credit UnionSun Credit Union701 promenade dr ste 105, pembroke pines, FL 33026A+5.0 ★Texas Ratio: 1.85%Real return: +1.20%APY minus CPI (February 2026) offering Jumbo Certificates 3 Months at 4.00% APY, BankUnitedBankUnited10090 Pines Blvd, Pembroke Pines, FL 33024A-5.0 ★Texas Ratio: 15.40%Real return: +1.15%APY minus CPI (February 2026) offering 12-Month CD at 3.95% APY, Publix Employees Federal Credit UnionPublix Employees Federal Credit Union219 N University Dr, Pembroke Pines, FL 33024 6715A+5.0 ★Texas Ratio: 1.29%Real return: +0.95%APY minus CPI (February 2026) offering JUMBO Regular & IRA Certificates 1 Year at 3.75% APY, and ValleyDirectValleyDirect1 Sw 129th Ave, Pembroke Pines, FL 33027A+5.0 ★Texas Ratio: 3.76%Real return: +0.75%APY minus CPI (February 2026) offering 3-Month CD at 3.55% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Pembroke Pines has 77 local institutions in our database, with CD rates as high as 4.10% APY from Dade County Federal Credit Union at 179 N Hiatus Rd, Pembroke Pines, FL 33026. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Florida area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 28, 2026
SPECIAL OFFER THRU 9/30/26
Account matures in 3 months.
Relationship APY
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Relationship APY 0.06%
Relationship APY 0.06%
Relationship Interest Rate 0.06%
Available for current 3-Month CD clients only
Penalty for early withdrawal: 3 Months Dividends
FL
(purchased through Raymond James brokerage account)
(90 to 179 days)
Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.
New money only. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply.
Last updated 08/26/2026
Disclosure
Promotional Rates
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
Relationship APY
Relationship APY 0.06%
Relationship APY 0.06%
Relationship Interest Rate 0.05%
No additional deposits allowed. No penalty for early withdrawals. The account matures in 6 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.
(purchased through Raymond James brokerage account)
1
New money deposits required. Special 6-Month Fixed Rate will be fixed for a term of 6-months only. The CD will automatically renew at the then-prevailing published 6-month standard rate and APY at the time of renewal and every renewal period thereafter. Offer Eligibility Requirements: Client must request the Special 6-Month Fixed Rate at account opening. Available only on a new City National Bank Personal CD or City National Bank Business CD. New money is defined as incoming deposits from RBC Rochdale, RBC Securities, or from another financial institution (e.g. via ATM, check, wire transfer, ACH or Zelle), deposited to City National Bank deposit accounts owned by the same client opening the CD, within the previous 30 calendar days prior to CD account opening. Incoming deposits can only be used once for the rate offer and cannot subsequently be counted towards the new money of another Special 6-Month Fixed Rate CD. Offer is available to new and existing personal and business clients only. Large Corporate clients and public fund accounts are not eligible for this Special 6-Month Fixed Rate.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Penalty for early withdrawal: 3 Months Dividends
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
up to
New Shares Certificate opened with at least $5,000 from another source (new money), will receive an additional 0.50% rate above our published rates.
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
All rates are Annual Percentage Yields.
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
All rates are Annual Percentage Yields.
New money only. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply.
Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. Early withdrawal penalty may apply if you withdraw any principal from the CD before the maturity date. Account fees could reduce earnings. Additional terms and conditions apply. Please refer to our Deposit Account Agreement and applicable Schedule of Fees for additional information. Offer cannot be combined with any other promotional rate, bonus rate or special rate offer. BankUnited reserves the right to cancel or modify this offer at any time. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details. CD will automatically renew at maturity into a standard CD closest in term to the initial term (which may be shorter or longer than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise.
Comparison APY: Miami-Fort Lauderdale Metro Avg 2.10% APY. Earn 69% more.
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Relationship APY 1.51%
Relationship APY 1.51%
Relationship Interest Rate 1.50%
Relationship APY
up to
(purchased through Raymond James brokerage account)
Featured rate
No additional deposits allowed. No penalty for early withdrawals. The account matures in 12 months and will automatically renew for the same term unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings. This promotional rate offer may be modified, suspended, or terminated by Climate First Bank, in whole or in part, at any time and for any reason without prior notice.
Additional contributions in $50 increments.
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Penalty for early withdrawal: 3 Months Dividends
Rate Fixed/Variable: Fixed; Dividends Compounded Paid: Monthly
Relationship APY
(purchased through Raymond James brokerage account)
The 18-month Market Watch is currently unavailable for new issuances, renewals from other certificate terms, or term changes. The rate shown applies only to Market Watch Certificates originally opened prior to 01/01/2017. This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.
The 18-month Market Watch is currently unavailable for new issuances, renewals from other certificate terms, or term changes. The rate shown applies only to Market Watch Certificates originally opened prior to 01/01/2017. This is a variable rate certificate. The rate is adjusted on the first of each month and is calculated by using the 24-month Treasury Bill rate in effect on the 10th day of the previous month plus 0.25% (25 basis points). At maturity, the certificate automatically renews.
Rates listed are current from 08/21/2026 - 08/27/2026. There is a penalty for early withdrawal.
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Regular APY 3.45% Dividend Rate 3.40%
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Regular APY 3.30% Dividend Rate 3.25%
VIP Bonus Rate: 3.590%, VIP Bonus APY: 3.65%
Relationship APY
(purchased through Raymond James brokerage account)
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Promotional certificate. Minimum balance to open regular share certificate and obtain APY is $100.
Call
Penalty for early withdrawal: 6 Months Dividends
All rates are Annual Percentage Yields.
Earn 3.20% APY on balances of $500 or more. Account matures in 36 months.
Relationship APY
(purchased through Raymond James brokerage account)
You may change the dividend rate (and corresponding APY) one time on a 36 or 60 month adjustable rate certificate. This change is a one-time option during the 36 or 60 month term of the certificate. You will have to make the decision to adjust the dividend rate to the current published 36 or 60 month adjustable certificate dividend rates. If you adjust the dividend rate, this new dividend rate would be fixed for the remainder of the 36 or 60 month certificate term.
You may change the dividend rate (and corresponding APY) one time on a 36 or 60 month adjustable rate certificate. This change is a one-time option during the 36 or 60 month term of the certificate. You will have to make the decision to adjust the dividend rate to the current published 36 or 60 month adjustable certificate dividend rates. If you adjust the dividend rate, this new dividend rate would be fixed for the remainder of the 36 or 60 month certificate term.
Penalty for early withdrawal: 9 Months Dividends
You may change the dividend rate (and corresponding APY) one time on a 36 or 60 month adjustable rate certificate. This change is a one-time option during the 36 or 60 month term of the certificate. You will have to make the decision to adjust the dividend rate to the current published 36 or 60 month adjustable certificate dividend rates. If you adjust the dividend rate, this new dividend rate would be fixed for the remainder of the 36 or 60 month certificate term.
All rates are Annual Percentage Yields.
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
All rates are Annual Percentage Yields.
APY is fixed for a 48-month term.
(purchased through Raymond James brokerage account)
Penalty for early withdrawal: 9 Months Dividends
All rates are Annual Percentage Yields.
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
All rates are Annual Percentage Yields.
$20,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
$10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Penalty waived on a one-time withdrawal, up to the full amount of the CD, after the account has been open for 7 calendar days. Additional withdrawals will be assessed a 30 day interest penalty.
Rates listed are current from 08/21/2026 - 08/27/2026. There is a penalty for early withdrawal.
VIP Bonus Rate: 3.832%, VIP Bonus APY: 3.90%
Relationship APY
(purchased through Raymond James brokerage account)
VIP BONUS. Traditional or Roth plans available. Can be established under a Certificate of Deposit or Insured Money Management Account. Contributions are usually tax deductible.
You may change the dividend rate (and corresponding APY) one time on a 36 or 60 month adjustable rate certificate. This change is a one-time option during the 36 or 60 month term of the certificate. You will have to make the decision to adjust the dividend rate to the current published 36 or 60 month adjustable certificate dividend rates. If you adjust the dividend rate, this new dividend rate would be fixed for the remainder of the 36 or 60 month certificate term.
$10,000; Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
VIP Bonus Rate: 4.073%, VIP Bonus APY: 4.15%
Early withdrawal penalties apply.
Call for weekly rates and information. Early withdrawal penalties apply.
Penalty for early withdrawal: 9 Months Dividends
You may change the dividend rate (and corresponding APY) one time on a 36 or 60 month adjustable rate certificate. This change is a one-time option during the 36 or 60 month term of the certificate. You will have to make the decision to adjust the dividend rate to the current published 36 or 60 month adjustable certificate dividend rates. If you adjust the dividend rate, this new dividend rate would be fixed for the remainder of the 36 or 60 month certificate term.
All rates are Annual Percentage Yields.
Compare local Pembroke Pines, FL CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Florida 12-month CD rates fell 0.878 points over the past 7 days to 2.237% APY.
Florida 6-month CD rates fell 1.410 points over the past 7 days to 1.649% APY.
Where are Florida CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.096% | $54.79 | $109.57 | $273.93 | $547.85 |
| 6-Month CD | 1.649% | $82.43 | $164.86 | $412.15 | $824.30 |
| 12-Month CD | 2.237% | $111.86 | $223.73 | $559.32 | $1,118.65 |
| 18-Month CD | 2.263% | $113.17 | $226.33 | $565.83 | $1,131.65 |
| 24-Month CD | 2.648% | $132.41 | $264.82 | $662.05 | $1,324.10 |
| 36-Month CD | 2.891% | $144.56 | $289.12 | $722.80 | $1,445.60 |
| 48-Month CD | 3.221% | $161.06 | $322.12 | $805.30 | $1,610.60 |
| 60-Month CD | 2.890% | $144.51 | $289.02 | $722.55 | $1,445.10 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
$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 | 1.096% | $54.79 |
| 2 | 6-Month CD | $5,000 | 1.649% | $82.43 |
| 3 | 12-Month CD | $5,000 | 2.237% | $111.86 |
| 4 | 24-Month CD | $5,000 | 2.648% | $132.41 |
| 5 | 36-Month CD | $5,000 | 2.891% | $144.56 |
| Total ($25,000 invested) | $25,000 | 2.104% blended | $526.05/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.
MonitorBankRates tracks 968 CD rates from 37 banks and 71 credit unions with locations in Pembroke Pines, 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: Dade County Federal Credit Union offers a CD at 4.10% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Pembroke Pines, Florida.
What to compare when shopping for a CD in Pembroke Pines, Florida
To find the best APYs in Pembroke Pines, Florida, start with credit unions and online-only banks — Pembroke Pines, Florida has 71 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.
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
20.0% 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 2.237%, saving 10% of the local median salary ($4,640/year) and putting it in a CD would earn an additional $104 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
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 |
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Pembroke Pines, Florida typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Pembroke Pines, Florida as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Pembroke Pines, Florida savers easier access to their funds. For example, Dade County Federal Credit Union is offering its 6 Months at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Sun Credit Union is offering its Jumbo Certificates 60 Months at 3.89% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Pembroke Pines, Florida saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Pembroke Pines, Florida CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Pembroke Pines, Florida depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Pembroke Pines, Florida rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
At today’s FL top rate of 4.10% APY, a $10,000 deposit earns $410 in the first year. Enter your amount to see your exact return.
Pembroke Pines, Florida CD LadderFL CD rates currently range from 1.096% (3-month) to 2.891% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Pembroke Pines, Florida CD at 4.10% 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 2.237% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pembroke Pines, 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 Pembroke Pines, 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 Pembroke Pines, 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.