CD Rates Saint Cloud, Florida (FL) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Saint Cloud, Florida CD rates include TruistTruist401 E Jackson St, Tampa, FL 33602A+5.0 ★Texas Ratio: 3.63% offering 12-month CD at 3.25% APY, Addition Financial Credit UnionAddition Financial Credit Union847 S Orange Blossom Trl, Apopka, FL 32703A+5.0 ★Texas Ratio: 4.12% offering 60 Month Certificate at 3.04% APY, Third Federal Savings and LoanThird Federal Savings and Loan7007 Broadway Ave, Cleveland, OH 44105A+5.0 ★Texas Ratio: 1.96% offering 6 Month Bonus CD at 4.75% APY, U S POSTAL SERVICEU S POSTAL SERVICE7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730A+5.0 ★Texas Ratio: 2.27% offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, and Community First Credit Union Of FloridaCommunity First Credit Union Of Florida637 N Lee St, Jacksonville, FL 32204 1141A+5.0 ★Texas Ratio: 4.11% offering Adjustable 36 Month Term Super Jumbo Max at 4.18% APY.
To help you find the best CD rates in Saint Cloud, Florida, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 20, 2026
Saint Cloud, FL CD Rate Trends
Compare local Saint Cloud, FL CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — FL Avg
2.343%
▼ 0.765 from last week
Florida 12-month CD rates fell 0.765 points this week to 2.343% APY, down from 3.108% last week.
6-Month CD — FL Avg
1.954%
▼ 0.568 from last week
Florida 6-month CD rates fell 0.568 points this week to 1.954% APY, down from 2.522% last week.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Best CD Rates in Saint Cloud, Florida & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
3-month online CD
$25,000
4.00%
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedMar 15, 2026
Details
Available for current 3-Month CD clients only:
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
CERTIFICATES OF DEPOSIT 3 Month
$5,000
3.77%
▼
Rate3.70%
Min Deposit$5,000
Min Balance—
UpdatedMar 20, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
3 month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 13, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Business Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL 32703
6 Month Savings Builder Share Certificate*
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
7007 Broadway Ave, Cleveland, OH 44105
6 Month Bonus CD
$500
4.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Month 1 APY
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month IRA CD
$100,000
4.10%
▼
Rate4.03%
Min Deposit$100,000
Min Balance—
UpdatedMar 17, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
6 Month CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Limited Time
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
6-Month Certificates and IRA Certificates
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
Golden Eagle Certificates 6-Month
$5,000
4.07%
▼
Rate4.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 17, 2026
Details
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL 33016
Jumbo Certificates 6-Month
$50,000
4.07%
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedMar 17, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month IRA CD
$25,000
4.05%
▼
Rate3.98%
Min Deposit$25,000
Min Balance—
UpdatedMar 17, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Business Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
6-month online CD
$25,000
4.00%
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedMar 15, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month CD
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedMar 17, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
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—
UpdatedMar 17, 2026
Details
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
6 month IRA CD
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
6 Month Business CD
$2,500
4.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
401 E Jackson St, Tampa, FL 33602
12-month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Youth Advantage - 12 Month Term Super Jumbo Max
$1,000,000
4.08%
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedMar 18, 2026
Details
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1225 Millennium Pkwy, Brandon, FL 33511
12 Month Certificate
$500
4.08%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$1,000,000
4.05%
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedMar 11, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
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—
UpdatedMar 11, 2026
Details
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
562 Park St, Jacksonville, FL 32204 2918
12-Month Term Certificate
$750,000
4.00%
▼
Rate—
Min Deposit$750,000
Min Balance—
UpdatedMar 11, 2026
Details
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
12-month CD
$25,000
4.00%
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedMar 15, 2026
Details
Online-only high-yield rates.
Total Direct Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
1995 E Hallandale Beach Blvd, Hallandale, FL 33009
12-month online CD
$25,000
4.00%
▼
Rate3.92%
Min Deposit$25,000
Min Balance—
UpdatedMar 15, 2026
Details
Adventhealth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
601 E Rollins St, Orlando, FL 32803
12-month Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 16, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
12 Month IRA Share Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
12 Month Business CD
$2,500
4.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 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—
UpdatedMar 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
18 Month IRA Share Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
18 Month Market Watch Share Certificate
$500
4.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Tampa Bay Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
3815 N Nebraska Ave, Tampa, FL 33603
18 Month Market Watch** Share Certificate
$500
4.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
18 Month Business CD
$2,500
3.95%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
18 Month CD
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
18 Month IRA Jumbo
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
18 Month IRA
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 18 month
$40,000
3.80%
▼
Rate3.73%
Min Deposit$40,000
Min Balance—
UpdatedMar 18, 2026
Details
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: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$0
4.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$0
4.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$100,000 and over
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH IRA CERT
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
Petite Share Certificates 24 month
$40,000
3.95%
▼
Rate3.87%
Min Deposit$40,000
Min Balance—
UpdatedMar 18, 2026
Details
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
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—
UpdatedMar 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL 32207
IRA Share Certificates 24 month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term Super Jumbo Max
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 36 Month Term Super Jumbo Plus
$750,000
3.98%
▼
Rate3.90%
Min Deposit$750,000
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
36 MONTH CERTIFICATE
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
36 MONTH CERTIFICATE
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
36 Month IRA Jumbo
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
36 MONTH CERTIFICATE
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL 33136
36 Month IRA Share Certificate
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMar 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—
UpdatedMar 20, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
36 Month IRA
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
48 Month IRA Jumbo
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
48 Month IRA
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Gulf Coast Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12205 Metro Pkwy, Fort Myers, FL 33966
CERTIFICATES OF DEPOSIT 48 Month
$5,000
3.82%
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
UpdatedMar 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
IRA Savings 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12542 Curley St, San Antonio, FL 33576
IRA CERTIFICATE - 48 MONTH
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
San Antonio Citizens Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12542 Curley St, San Antonio, FL 33576
SHARE CERTIFICATE - 48 MONTH
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL 33040
48 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL 33040
48 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL 33040
48 Month Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
23910 Railroad Ave, Plaquemine, LA 70764
48 Month CD
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMar 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL 32703
60 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
60 Month Term Super Jumbo Max CD
$1,000,000
4.18%
▼
Rate4.10%
Min Deposit$1,000,000
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$100,000 and over
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
Adjustable 60 Month Term Super Jumbo Max
$1,000,000
4.08%
▼
Rate4.00%
Min Deposit$1,000,000
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$50,000 - $99,999.99
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL 33040
60 Month IRA CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL 33040
60 Month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1442 Kennedy Dr, Key West, FL 33040
60 Month Share Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL 36322
60 Month IRA Jumbo
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL 32204 1141
60 Month Term Super Jumbo Plus CD
$750,000
3.92%
▼
Rate3.85%
Min Deposit$750,000
Min Balance—
UpdatedMar 18, 2026
Details
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MonitorBankRates
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.
Frequently Asked Questions about CD Rates in Saint Cloud, Florida
Are CD rates in Saint Cloud, Florida FDIC insured?
Yes, most established banks in Saint Cloud, 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 Saint Cloud, 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 Saint Cloud, 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 Saint Cloud, 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 Saint Cloud, Florida?
Here are recent top rates found for this area:
- Third Federal Savings and Loan: 4.75% APY (6 Month Bonus CD)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- Community First Credit Union Of Florida: 4.18% APY (60 Month Term Super Jumbo Max CD)
- 1st Street Credit Union: 4.16% APY (24 MONTH CERTIFICATE)
- MIAMI FIREFIGHTERS: 4.15% APY (18 Month IRA Share Certificate)
- Achieva Credit Union: 4.10% APY (6 month IRA CD)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 5 Year Retirement Share Certificate)
- Newtek Bank: 4.10% APY (6 Month CD)
- Florida West Coast Credit Union: 4.08% APY (12 Month Certificate)
- Jetstream Federal Credit Union: 4.07% APY (Jumbo Certificates 6-Month)
Rates reflect recent verified offers available in Saint Cloud, Florida. Last Updated: March 20, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Saint Cloud, Florida directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Saint Cloud, 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: March 20, 2026
